CFMA Membership + Health-Share Framework
“Thinking of Going Naked?” — Let’s Talk About Health Insurance.
After 2024’s hurricanes, many Tampa Bay homeowners considered “going naked” on property insurance. With 2026 health premiums rising and subsidies set to expire, families are asking the same question. We offer a smarter path.
- Clear, predictable fees (billed every 4 weeks)
- 24/7 access to our Athena EHR Portal System
- 24–48 hr availability for sick/urgent visits
- Telehealth and/or in-office appointments at any CFMA location
- Annual Wellness Exam with body composition (if at Clearwater office)
- Medicine 3.0 prevention & optimization approach
- Cash-friendly labs & imaging guidance
- Discounted supplements & access to GLP‑1 medications at affordable rates (pricing still TBD for GLP‑1 plans)
- Appointment caps: up to 18 visits in 12‑month membership; up to 8 visits in 6‑month membership
Membership begins Jan 1. Limited availability — add your name to the waitlist to lock priority. Prices shown are estimates and will be finalized before enrollment.
Why This Works
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Predictable every‑4‑weeks billing & proactive, prevention‑first care you can trust
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Access to GLP‑1s at affordable rates
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Pair with a health‑share, high‑deductible, or out‑of‑network plan.
See sources &
FAQs.
Clarity Promise: We map your options & costs before you decide.
“Going Naked” — From Homeowners to Healthcare?
Local coverage has highlighted Floridians considering “going naked” on homeowners insurance after hurricane losses. As 2026 health costs climb, more families are asking if their current health coverage still delivers value.
Read the related article: Tampa Bay homeowners 'going naked' after hurricanes
Our take: Don’t go truly naked — go smart. Pair a health‑share for major events with a CFMA Membership for day‑to‑day care, prevention, and affordable GLP‑1 access.
Tampa Bay 2026 Reality Check
- Premium shock if subsidies lapse: Insurers’ 2026 rates are up significantly, and net costs rise further if enhanced credits end. WFLA local coverage
- Florida particularly exposed: Independent analyses show Florida among the most impacted if enhanced credits lapse.
- What to do now: Plan for higher out‑of‑pocket; compare CFMA Membership + health‑share combinations that keep your doctor and prioritize prevention.
Reminder: All numbers on this page are estimates; membership is not insurance.
Estimated Monthly Cost Snapshot (2026)
Use as a planning guide; exact quotes may differ.
| Option | What it covers | Est. monthly cost |
|---|
| Marketplace Insurance (Silver) | Traditional insurance: preventive + catastrophic; copays & deductible | $900–$1,100 per person |
| Health‑Share (Zion, CHM, Sedera, OneShare) | Community cost‑sharing for larger events (not insurance) | $150–$325 individual; family varies |
| CFMA Basic (age‑based) | Fees billed every 4 weeks; portal access; visit caps as above; cash‑rate labs optional | $35–$120 every 4 weeks (by age) |
| CFMA Comprehensive (with optional GLP‑1) | Basic features plus 2 lab panels/year, body composition & RMR at Clearwater; optional access to GLP‑1s at affordable rates | TBD pricing under review |
All prices shown are estimates and subject to finalization once 2026 lab agreements & pharmacy costs are set. Memberships are not insurance; pair with a health‑share for major events.
Explore Health‑Share Options (Not Insurance)
OneShare Health
Faith‑based sharing with tiered plans (Catastrophic, Classic, Complete).
View Plans & Pricing
Reminder: Health‑shares are not insurance; review Guidelines (pre‑existing rules, IUAs, sharing limits).
Reserve My Spot
Join the interest list for Jan 1 enrollment. We’ll follow up to confirm pricing and availability.
Data Sources & References
- WFLA: Insurance premiums on the rise in Florida as subsidies expire — local context for 2026 premium increases. WFLA article
- Florida OIR: Individual PPACA Market Monthly Premiums for Plan Year 2026 — statewide weighted average increased from $648 (2025) to $867 (2026). OIR 2026 Web Tables (PDF)
- Peterson-KFF Health System Tracker: How much and why ACA Marketplace premiums are going up in 2026 — national median requested increase context. Health System Tracker
- KFF: Costly GLP‑1 drugs are rarely covered for weight loss by Marketplace plans — coverage reality for obesity indications. KFF analysis
- Zion HealthShare — How it Works; 2026 Rate Change (PDF). How it Works · 2026 Rates (PDF)
- Christian Healthcare Ministries — Programs & Costs; Cost Comparison tool. Programs · Cost Comparison
- Sedera — Membership overview; example pricing; Select+ rates (PDF). Sedera · Example Pricing · Select+ Rates (PDF)
- OneShare Health — Plans & Pricing. OneShare Plans
- Tampa Bay Business Journal: Homeowners considering “going naked” after hurricanes. TBBJ article
All pricing on this page is estimated and will be finalized with CFMA’s 2026 lab agreements and pharmacy contracts. Memberships are not insurance.