Randolph Love III | The Liquidity Journal | Q4 2025

When you host events long enough, you start to feel the moment when the energy in the room shifts. At last month’s Liquidity Event, that moment arrived when Lorraine Alleyne took the mic and began sharing how she and her team at ACN (All Communications Network), are helping individuals, families, and business owners take back control of their healthcare.

This wasn’t just another pitch. It was personal. Practical. Urgently relevant.

Lorraine, a deeply passionate entrepreneur with a background in banking, finance, insurance, and mortgage brokering, spoke with precision and purpose. Born of Caribbean descent and a proud graduate of Jacksonville University, she’s lived through economic collapse, reinvented herself, and knows what it means to adapt when survival requires multiple streams of income. What she brought to our stage wasn’t just information. It was a solution.

Healthcare Pain Points in Real Time

Lorraine began with a simple question: “How many of you are familiar with open enrollment?” Hands went up. Heads nodded. And then the floodgates opened.

From the audience, people began sharing stories of skyrocketing premiums and slashed benefits. One attendee’s family plan jumped by over $850. Another woman on YouTube, Lorraine recalled, said she went from paying $250 every two weeks to $750. To keep her plan, she had to take her husband off it.

Lorraine was unfazed by the horror stories. She had answers.

Her company, ACN, offers essential services including mobile, internet, and TV. But right now, her team is focused on something bigger. Impact Health Sharing, a non-profit, community-oriented alternative to traditional health insurance, is transforming the financial and emotional toll of getting quality care.

Why Impact Health Sharing Feels Different

Lorraine laid out the facts. Traditional insurance is climbing in cost while offering less control. Impact, on the other hand, eliminates some of the biggest frustrations people face, including the dreaded “utilization review,” where insurance companies override doctor recommendations. With Impact, if your physician prescribes something, you get it.

Even more compelling is the concept of reference-based repricing, a financial tool that can slash inflated hospital bills by tens or even hundreds of thousands of dollars. Lorraine told a story of a man who suffered a stroke and was left with a $540,000 hospital bill. With Impact Health Sharing, his bill was reduced to less than $5,000 out of pocket.

Let that sit for a moment. From half a million to five thousand.

Coverage That Includes Wellness and Rewards

The benefits of Impact Health Sharing go far beyond emergency coverage. Members have access to dental, vision, and telemedicine. They can speak to board-certified physicians within minutes, upload photos, receive prescriptions, and get those prescriptions filled for a fraction of the expected cost.

It also rewards wellness. Through a system called Living Well Rewards, members can earn credits of up to $150 per activity toward their Primary Responsibility Amount, simply by going to the gym or attending wellness checkups. Lorraine explained how these credits can reduce an individual’s costs by up to $1,800 per year.

All of this is managed under a non-profit structure. Unlike traditional insurance providers, which report billions in annual profits, Impact reinvests into member benefits rather than shareholders.

A Veteran’s Perspective: Michael Elliott Speaks from the Heart

Lorraine then invited Michael Elliott to the front of the room. A 34-year Army veteran, federal employee of 20 years, and a survivor of both a heart attack and stroke, Michael brought a raw, emotional voice to the conversation.

“I thought I was covered,” he said. But during his recovery, the rug was pulled out from under him. Physical therapy, speech therapy, and occupational therapy were suddenly no longer covered.

Michael started investigating. What he found shocked him. “I gave this country 34 years of my life, and my plan was still for-profit,” he said. “I didn’t even know what that meant until I saw how it affected my care.”

Now an executive with ACN and a health ambassador through his BNI Legacy Builders chapter, Michael champions Impact Health Sharing because, in his words, “We are not paying for yachts and private jets. You can go to any hospital and see any doctor.”

He left the crowd with a firm message. “Nobody can tell me nothing [sic] when it comes to insurance. I know what I’ve seen, and I know what I stand for now.”

A Community Movement, Not Just a Product

Lorraine closed the session by reminding the audience that while Impact is their flagship service during open enrollment, ACN offers a wide portfolio of essential services for both individuals and businesses. She invited the audience to connect with any of the ACN representatives in the room for a custom quote or consultation.

As hands were raised and conversations started, it was clear that Lorraine’s message resonated. This was not a passive crowd. This was a room full of entrepreneurs, caregivers, veterans, and business owners looking for better solutions and they found one.

Final Thoughts

The Liquidity Event was created to spark real conversations and expose our community to tools that build true financial stability. What Lorraine Alleyne and Michael Elliott delivered went far beyond education. They shared access, strategy, and hope.

In a time when healthcare has become a burden for so many, Impact Health Sharing is proving to be a blessing. And thanks to ACN and the passionate leaders behind it, more people are discovering that affordable, dignified care is not only possible but already available.

If you're looking for a new approach to health coverage, I encourage you to visit www.acnunited.com to learn more about Impact Health Sharing.

The team is standing by, and they are ready to help.