Tired of high healthcare premiums and massive deductibles?
If you’re self-employed, individual, or family paying high premiums for traditional insurance — only to be stuck with high deductibles- you’re not locked into the marketplace anymore.
So many people have switched to community-based HealthShare programs and cut their monthly healthcare costs by 30–60%.
Key benefits:
• Quality plans starting at just $73/month
• Only pay for your first 3 family members — the rest are free
• Free, unlimited MD Live Telehealth, Free mental health Telehealth, and 50 Chiropractor visits per year
• Dental, Vision, and Pharmacy discounts
The bottom line: keep your money where it belongs — while keeping your family completely protected.
Serving: New York, New Jersey, Pennsylvania, Maryland, Massachusetts, Connecticut, Rhode Island, Washington DC, Delaware, New Hampshire, Michigan, Illinois, Ohio and many other States
We also offer other low cost services: Xoom Energy electric & gas, Identity protection (IDSeal), Flash Mobile cellular, AT&T Fiber Internet, Direct TV, Vivint Home security monitoring, NMI credit card processing, and coming soon DingoBlu Financial digital banking by Fintech.
Most of these services are covered nationwide. Ask us about our business opportunity with passive residual income while you sleep.
Enroll or learn more:
Impact Healthshare: https://www1.impacthealthsharing.com/?referral_id=01130979
Xoom Energy Electric & Gas: https://acnetworking.acnibo.com/us-en/home-services/xoom-energy
Identity Protection – IDSeal: https://acnetworking.acnibo.com/us-en/home-services/idseal
Flash Mobile: https://acnetworking.acnibo.com/us-en/home-services/flash-mobile
NMI Credit card processing: https://acnetworking.acnibo.com/us-en/business-services/nmi
Vivint Home security: https://acnetworking.acnibo.com/us-en/home-services/vivint
AT&T Fiber Internet: https://acnetworking.acnibo.com/us-en/home-services/att
Direct TV: https://acnetworking.acnibo.com/us-en/home-services/directv
Which states do Albert and Marilena cover?
New York, New Jersey, Pennsylvania, Maryland, Massachusetts, Connecticut, Rhode Island, Washington DC, Delaware, New Hampshire, Michigan, Illinois and Ohio, plus many other states. Ask us about yours — most of the services we carry are available nationwide.
Is a HealthShare program the same as health insurance?
No. A community-based HealthShare is a different model, where members share one another’s eligible medical costs. It is an alternative to traditional insurance, not a replacement for it, and it is not right for every household.
What will it actually cost me?
That depends on your household size, your ages and what you need covered. Call us at 215-971-4416 and we will price it for your family rather than quote you an average. No savings are guaranteed and individual results vary.
What else can you set up besides healthcare?
Xoom Energy electricity and gas, IDSeal identity protection, Flash Mobile cellular, AT&T Fiber internet, DirecTV, Vivint home security monitoring and NMI credit card processing — with DingoBlu digital banking coming soon.
Can I earn income with this as well?
Yes. Ask us about the business side and we will walk you through how the residual income works before you commit to anything.
Albert and Marilena Cruz are independent representatives. FindSalesRepNow.com is an independent directory, not affiliated with, endorsed by or sponsored by any company listed. Updated September 2026.
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See other independent reps carrying Impact Health Sharing, ACN, Xoom Energy, IDSeal, Flash Mobile, NMI.
4 Reviews on “Albert & Marilena Cruz — Impact Healthshare (Northeast Region)”
I was very satisfied with the identity protection and the service Albert provided setting me up. Went above and beyond helping me. IDSeal is a great service.
I was hesitating at first about purchasing Xoom energy, but after speaking to Albert Cruz, he patiently explained all the details with no pressure on me and I understood everything and that’s when I decided to join up with him because he was very honest and said at any time I needed further explanation he would be glad to go over everything again.
Thank you for your review. Its greatly appreciated. You have a great service.
I purchased identity protection IDseal through Albert Cruz and I happen to be very happy with this protection. I DSeal is on top of everything quickly. They inform me of any suspicious activity. Therefore I am extremely happy and the price is right
Albert and Marilena are a pleasure to speak with. They’re very knowledgeable and helpful.