# OwnWay Medical Source Index

Catalog version: 2026-09-11.1

Generated from the same validated records as the readable Resources cards and starter.

## Summary of Benefits and Coverage
ID: healthcare-gov-sbc
Publisher: HealthCare.gov
Canonical link: https://www.healthcare.gov/health-care-law-protections/summary-of-benefits-and-coverage/
Source type: official consumer education
Audience: people comparing individual or job-based medical plans
State scope: United States general education
Document date: not stated
Reviewed date: 2026-10-23
Review due: 2026-11-22
Status: approved-current

Why useful: An SBC is a standardized, short account of a health plan's benefits and coverage. It can help compare plans and can be requested from an insurer or group health plan. It is a starting point; the governing policy, certificate or evidence of coverage may contain details the SBC does not.

Material limitation: General SBC education, not evidence of any named plan. A non-insurance arrangement may not provide an SBC. Confirm the exact document, version, coverage tier and applicable state.

## Your total costs for health care: Premium, deductible & out-of-pocket costs
ID: healthcare-gov-total-costs
Publisher: HealthCare.gov
Canonical link: https://www.healthcare.gov/choose-a-plan/your-total-costs/
Source type: official consumer education
Audience: people comparing medical-plan costs
State scope: Marketplace education; not universal product rules
Document date: not stated
Reviewed date: 2026-10-23
Review due: 2026-11-22
Status: approved-current

Why useful: Monthly premium is only one part of medical spending. Deductibles, copayments, coinsurance and applicable out-of-pocket provisions affect what a person pays when care is used. Compare the written terms and what does not count toward any limit.

Material limitation: Marketplace cost education, not a quote or a universal cost structure. Do not apply Marketplace protections or an insurance out-of-pocket limit to a limited arrangement or healthshare.

## Healthsharing explained
ID: ownway-healthsharing-education
Publisher: OwnWay Health
Canonical link: https://ownwayhealth.com/choices/healthshares/
Source type: OwnWay general education
Audience: people researching medical arrangements
State scope: general education only
Document date: 2026-09-11
Reviewed date: 2026-10-23
Review due: 2026-11-22
Status: approved-current

Why useful: Healthsharing is not insurance; sharing is not guaranteed. It is a membership arrangement whose written guidelines can address eligible needs, member responsibility, existing-condition rules, waiting periods, limits, provider payment and disputes. Bills that are not shared remain the member's responsibility.

Material limitation: No named program, availability, eligibility, contribution, payment or consumer right is represented. Review the current guidelines and applicable rules for any actual membership.