Typical Savings 30% - 50% vs. Insurance



Customizing Healthcare Solutions

It is no secret that healthcost expenses have skyrocketed!

People are frustrated with the lack of affordability, access and transparency.

But who said insurance is the only way to deal with medical costs?

Health Cost Sharing and other non-insurance means of handling medical costs have helped thousands of Individual & Business members throughout the United States and this trend is rapidly growing.

The resources include:

  • Sedera - The Healthcost sharing community of choice. 
  • Individuals can be assured that I am able to assist them with Sedera Access Membership in the most cost effective manner possible.
  • Businesses & Employer groups of 3 or more employees benefit from Sedera Select.  Working cooperatively with industry leaders in the healthshare & insurance industry we can upgrade any employers healthcare options for their employees - often at savings of 30-50 percent. Resources are quite extensive and include HR onboarding, ACA compliance with payroll integration. Employee options include HSA or a health matching account and short and long term disability.
  • Direct Primary Care - this is an arrangement where you have a an inclusive membership to your doctor. There are virtual as well as physical Direct Primary Care practices. 
  • The Alliance for Shared Health is a preventative care option that uses the largest network in the USA for consumer ease or, members can see a provider out of network as well.
  • Several pharmaceutical resources to draw on - I can guide you
  • A Dental Program & EyeMed Vision (Dave Ramsey endorsed)
  • Health Savings and Health Matching Accounts

The HealthShare Lady


Karen Torsoe - 845-641-9123

Presenting the Best in Medical Cost Sharing Since 2014

Collector of healthcare resources and tools to help you or your business upgrade your healthcare while significantly reigning in costs associated with all aspects of healthcare.

In the past I was the founder and owner of a successful Rehabilitation Company which employed over 30 Physical, Occupational and Speech Therapists. I understand small business and have a passion for the success of small businesses. 

For many people, what I introduce is a new path for them or their business.

I love offering solutions and resources! 

This is a passion position for me and I do it because I love it! The most rewarding aspect for me is to see how I can help you to help your business or household. I hope I can help you!

Let's Begin with an Overview of Sedera

Individuals & Businesses





Let's Connect! I can help you customize your healthcare

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Karen Torsoe - The HealthShare Lady

228 East Route 59, #307 Nanuet, NY 10954 US

(845) 641-9123