State-specific disclosures.
Some states require specific language about medical cost-sharing organizations. The notice that applies to you is listed below by state.
Universal disclosure
The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor plan of operation is an insurance policy. Any assistance with your medical bills is completely voluntary. No other participant is compelled by law or otherwise to contribute toward your medical bills. Participation in the organization or a subscription to any of its documents shall not be considered to be health insurance and is not subject to the regulatory requirements or consumer protections of the Wyoming or any other state's insurance code. You are personally responsible for payment of your medical bills regardless of any financial sharing you may receive from the organization for medical expenses. You are also responsible for payment of your medical bills if the organization ceases to exist or ceases to facilitate the sharing of medical expenses.
The notice that applies to you
Expand the section for your state to read the notice that applies to you. The text is statute-mandated and reproduced here verbatim. If your state isn't listed, the universal disclosure above applies.
Alabama Code §22-6A-2
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payment for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.
Alaska Statute §21.03.021(k)
Notice: The organization coordinating the sharing of medical expenses is not an insurance company, and neither its guidelines nor plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. Participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive a payment for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.
Arizona Statute 20-122(B)(7)
Notice: The organization facilitating the sharing of medical expenses is not an insurance company and the Medical Cost Sharing Organization's guidelines and plan of operation are not an insurance policy. Whether anyone chooses to assist you with your medical bills will be completely voluntary because participants are not compelled by law to contribute toward your medical bills. Therefore, participation in the Medical Cost Sharing Organization or a subscription to any of its documents should not be considered to be insurance. Regardless of whether you receive any payment for medical expenses or whether this Medical Cost Sharing Organization continues to operate, you are always personally responsible for the payment of your own medical bills.
Arkansas Code 23-60-104(b)(2)(G)
Notice: The organization facilitating the sharing of medical expenses is not an insurance company and neither its guidelines nor plan of operation is an insurance policy. If anyone chooses to assist you with your medical bills, it will be totally voluntary because participants are not compelled by law to contribute toward your medical bills. Participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive a payment for medical expenses or if this organization continues to operate, you are always personally responsible for the payment of your own medical bills.
Notice: As you likely know, a number of states, including California require residents to have qualifying insurance, also called an individual mandate. Under California's individual mandate, those who do not have qualifying health insurance coverage may face a financial penalty unless they qualify for an exemption. Because Newpath's Medical Cost Sharing is not insurance, it is important to note that a Newpath membership does not qualify as health insurance coverage for California residents and therefore a Newpath individual membership by itself does not meet the California individual mandate. That said, Newpath may be a beneficial supplementary option to help defray health care costs that are not covered by a qualifying health insurance plan. To get more information about qualifying health insurance coverage and details about the California individual mandate, visit Covered California's website (CoveredCA.com) or the California Franchise Tax Board's website (ftb.ca.gov).
Florida Statute 624.1265(3)
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor its plan of operation is an insurance policy. Membership is not offered through an insurance company, and the organization is not subject to the regulatory requirements or consumer protections of the Florida Insurance Code. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant is compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payments for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.
Georgia Statute §33-1-20
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payment for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.
Idaho Statute §41-121(2)(f)
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payment for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.
Illinois Statute 215-5/4(Class 1)(b)(viii)
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor plan of operation constitute or create an insurance policy. Any assistance you receive with your medical bills will be totally voluntary. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Whether or not you receive any payments for medical expenses and whether or not this organization continues to operate, you are always personally responsible for the payment of your own medical bills.
Indiana Code §27-1-2.1-1(7)
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor its plan of operation is an insurance policy. Any assistance you receive with your medical bills will be totally voluntary. Neither the organization nor any other participant can be compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Whether or not you receive any payments for medical expenses and whether or not this organization continues to operate, you are always personally responsible for the payment of your own medical bills.
Kentucky Revised Statute 304.1-120(7)
NOTICE: UNDER KENTUCKY LAW, THE RELIGIOUS ORGANIZATION FACILITATING THE SHARING OF MEDICAL EXPENSES IS NOT AN INSURANCE COMPANY, AND ITS GUIDELINES, PLAN OF OPERATION, OR ANY OTHER DOCUMENT OF THE RELIGIOUS ORGANIZATION DO NOT CONSTITUTE OR CREATE AN INSURANCE POLICY. PARTICIPATION IN THE RELIGIOUS ORGANIZATION OR A SUBSCRIPTION TO ANY OF ITS DOCUMENTS SHALL NOT BE CONSIDERED INSURANCE. ANY ASSISTANCE YOU RECEIVE WITH YOUR MEDICAL BILLS WILL BE TOTALLY VOLUNTARY. NEITHER THE ORGANIZATION OR ANY PARTICIPANT SHALL BE COMPELLED BY LAW TO CONTRIBUTE TOWARD YOUR MEDICAL BILLS. WHETHER OR NOT YOU RECEIVE ANY PAYMENTS FOR MEDICAL EXPENSES, AND WHETHER OR NOT THIS ORGANIZATION CONTINUES TO OPERATE, YOU SHALL BE PERSONALLY RESPONSIBLE FOR THE PAYMENT OF YOUR MEDICAL BILLS.
Louisiana Revised Statute 22-318
Notice: The Medical Cost Sharing organization facilitating the sharing of medical expenses is not an insurance company. Neither the guidelines nor the plan of operation of the Medical Cost Sharing organization constitutes an insurance policy. Financial assistance for the payment of medical expenses is strictly voluntary. Participation in the Medical Cost Sharing organization or subscription to any publication issued ty the Medical Cost Sharing organization shall not be considered as enrollment in any health insurance plan or as a waiver of your responsibility to pay your medical expenses.
Maine Title 24-A, §704(3)
Notice: The organization facilitating the sharing of medical expenses is not an insurance company and neither its guidelines nor plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. Participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive payment for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.
Maryland Insurance Code §1-202(4)
This publication is not issued by an insurance company nor is it offered through an insurance company. It does not guarantee or promise that your medical bills will be published or assigned to others for payment. No other subscriber will be compelled to contribute toward the cost of your medical bills. Therefore, this publication should never be considered a substitute for an insurance policy. This activity is not regulated by the State Insurance Administration, and your liabilities are not covered by the Life and Health Guaranty Fund. Whether or not you receive any payments for medical expenses and whether or not this entity continues to operate, you are always liable for any unpaid bills.
Notice: As you likely know, a number of states, including Massachusetts require residents to have qualifying insurance, also called an individual mandate. Under Massachusetts's individual mandate, those who do not have qualifying health insurance coverage may face a financial penalty unless they qualify for an exemption. Because Newpath's Medical Cost Sharing is not insurance, it is important to note that a Newpath membership does not qualify as health insurance coverage for Massachusetts residents and therefore a Newpath membership by itself does not meet the Massachusetts individual mandate. That said, Newpath may be a beneficial supplementary option to help defray health care costs that are not covered by a qualifying health insurance plan. To get more information about qualifying health insurance coverage and details about the Massachusetts individual mandate, visit mass.gov/info-details/health-care-reform-for-individuals.
Michigan §550.1687(g)
Notice: Newpath Medical Inc., which operates this health care sharing organization is not an insurance company and the financial assistance provided through the Medical Cost Sharing is not insurance and is not provided through an insurance company. Whether any participant in the Medical Cost Sharing chooses to assist another participant who has financial or medical needs is totally voluntary. A participant will not be compelled by law to contribute toward the financial or medical needs of another participant. This document is not a contract of insurance or a promise to pay for the financial or medical needs of a participant by the Medical Cost Sharing. A participant who receives assistance from the Medical Cost Sharing for his or her financial or medical needs remains personally responsible for the payment of all of his or her medical bills and other obligations incurred in meeting his or her financial or medical needs.
Mississippi Statute §83-77-1(3)(f)
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payment of medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.
Missouri Statute §376.1750, 2(6)
NOTICE: This publication is not an insurance company nor is it offered through an insurance company. Whether anyone chooses to assist you with your medical bills will be totally voluntary, as no other subscriber or member will be compelled to contribute toward your medical bills. As such, this publication should never be considered to be insurance. Whether you receive any payments for medical expenses and whether or not this publication continues to operate, you are always personally responsible for the payment of your own medical bills.
Nebraska Statute §44-311(2)(f)
IMPORTANT NOTICE. This organization is not an insurance company, and its product should never be considered insurance. If you join this organization instead of purchasing health insurance, you will be considered uninsured. By the terms of this agreement, whether anyone chooses to assist you with your medical bills as a participant of this organization will be totally voluntary, and neither the organization nor any participant can be compelled by law to contribute toward your medical bills. Regardless of whether you receive payment for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills. This organization is not regulated by the Nebraska Department of Insurance. You should review this organization's guidelines carefully to be sure you understand any limitations that may affect your personal medical and financial needs.
New Hampshire Statute §126-V:1 (III)(g)
IMPORTANT NOTICE: This organization is not an insurance company, and its product should never be considered insurance. If you join this organization instead of purchasing health insurance, you will be considered uninsured. By the terms of this agreement, whether anyone chooses to assist you with your medical bills as a participant of this organization will be totally voluntary, and neither the organization nor any participant can be compelled by law to contribute toward your medical bills. Regardless of whether you receive payment for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills. This organization is not regulated by the New Hampshire Insurance Department. You should review this organization's guidelines carefully to be sure you understand any limitations that may affect your personal medical and financial needs.
Notice: As you likely know, a number of states, including New Jersey require residents to have qualifying insurance, also called an individual mandate. Under New Jersey's individual mandate, those who do not have qualifying health insurance coverage may face a financial penalty unless they qualify for an exemption. Because Newpath's Medical Cost Sharing is not insurance, it is important to note that a Newpath membership does not qualify as health insurance coverage for New Jersey residents and therefore a Newpath membership by itself does not meet the New Jersey individual mandate. That said, Newpath may be a beneficial supplementary option to help defray health care costs that are not covered by a qualifying health insurance plan. To get more information about qualifying health insurance coverage and details about the New Jersey individual mandate, visit nj.gov/governor/getcoverednj.
North Carolina Statute §58-49-12(6)
NOTICE: The organization facilitating the sharing of medical expenses is not an insurance company and neither its guidelines nor its plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be voluntary. No other participant will be compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payment for medical expenses or whether this organization continues to operate, you are always personally liable for the payment of your own medical bills.
Pennsylvania Title 40 §23
NOTICE: This publication is not an insurance company nor is it offered through an insurance company. This publication does not guarantee or promise that your medical bills will be published or assigned to others for payment. Whether anyone chooses to pay your medical bills will be totally voluntary. As such, this publication should never be considered a substitute for insurance. Whether you receive any payments for medical expenses and whether or not this publication continues to operate, you are always liable for any unpaid bills.
Notice: As you likely know, a number of states, including Rhode Island require residents to have qualifying insurance, also called an individual mandate. Under Rhode Island's individual mandate, those who do not have qualifying health insurance coverage may face a financial penalty unless they qualify for an exemption. Because Newpath's Medical Cost Sharing is not insurance, it is important to note that a Newpath membership does not qualify as health insurance coverage for Rhode Island residents and therefore a Newpath membership by itself does not meet the Rhode Island individual mandate. That said, Newpath may be a beneficial supplementary option to help defray health care costs that are not covered by a qualifying health insurance plan. To get more information about qualifying health insurance coverage and details about the Rhode Island individual mandate, visit tax.ri.gov/guidance/health-insurance-mandate.
South Dakota Title 58-1-3.3(6)
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payments for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.
Texas §1681.002
Notice: This Medical Cost Sharing organization facilitates the sharing of medical expenses and is not an insurance company, and neither its guidelines nor its plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. As such, participation in the Medical Cost Sharing organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payment for medical expenses or whether this Medical Cost Sharing Organization continues to operate, you are always personally responsible for the payment of your own medical bills.
Complaints concerning this Medical Cost Sharing Organization may be reported to the office of the Texas attorney general.
Virginia §38.2-6300(6)
Notice: This publication is not insurance, and is not offered through an insurance company. Whether anyone chooses to assist you with your medical bills will be totally voluntary, as no other member will be compelled by law to contribute toward your medical bills. As such, this publication should never be considered to be insurance. Whether you receive any payments for medical expenses and whether or not this publication continues to operate, you are always personally responsible for the payment of your own medical bills.
Notice: As you likely know, a number of states/districts, including Washington DC require residents to have qualifying insurance, also called an individual mandate. Under Washington DC's individual mandate, those who do not have qualifying health insurance coverage may face a financial penalty unless they qualify for an exemption. Because Newpath's Medical Cost Sharing is not insurance, it is important to note that a Newpath membership does not qualify as health insurance coverage for Washington DC residents and therefore a Newpath membership by itself does not meet the Washington DC individual mandate. That said, Newpath may be a beneficial supplementary option to help defray health care costs that are not covered by a qualifying health insurance plan. To get more information about qualifying health insurance coverage and details about the Washington DC individual mandate, visit disb.dc.gov/page/do-you-know-your-health-insurance-rights.
Wisconsin Statute 600.01 (1)(b)(9)(f)
ATTENTION: This publication is not issued by an insurance company, nor is it offered through an insurance company. This publication does not guarantee or promise that your medical bills will be published or assigned to others for payment. Whether anyone chooses to pay your medical bills is entirely voluntary. This publication should never be considered a substitute for an insurance policy. Whether or not you receive any payments for medical expenses, and whether or not this publication continues to operate, you are responsible for the payment of your own medical bills.
Wyoming Statute §26-1-104(a)(v)(c)
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor plan of operation is an insurance policy. Any assistance with your medical bills is completely voluntary. No other participant is compelled by law or otherwise to contribute toward your medical bills. Participation in the organization or a subscription to any of its documents shall not be considered to be health insurance and is not subject to the regulatory requirements or consumer protections of the Wyoming insurance code. You are personally responsible for payment of your medical bills regardless of any financial sharing you may receive from the organization for medical expenses. You are also responsible for payment of your medical bills if the organization ceases to exist or ceases to facilitate the sharing of medical expenses.
Residents of California, Massachusetts, New Jersey, Rhode Island, and the District of Columbia should read the notice above carefully before joining the Newpath Medical community: those states have individual-mandate laws, and membership does not satisfy those mandates.
These notices describe the medical cost-sharing community operated through Newpath Medical, which is administered by Redirect Health. Not every state has a specific statute; where a state does, its notice appears above.
Last updated: April 23, 2026.