A different approach to
covering your healthcare costs.
Health share plans aren't insurance - and that's not a bad thing. For the right person, they offer significantly lower monthly costs with solid coverage for major medical needs. We'll tell you honestly whether it's a good fit for your situation.
So what exactly is it?
Health share plans (also called health sharing ministries or cost-sharing programs) are membership-based programs where members contribute a monthly amount that goes toward each other's eligible medical costs. When you have a medical need, the program shares those costs among members.
They've been around for decades and are a legitimate option for people who don't qualify for ACA subsidies, are self-employed, or are simply looking for a more affordable alternative to traditional insurance.
What health share plans are NOT:
- They are not regulated as insurance in most states
- They do not guarantee payment - they share costs based on program guidelines
- They are not right for everyone - we'll tell you if one doesn't fit your situation
Health share plans tend to work well for
people who...
- Are generally healthy and don't have ongoing prescriptions or chronic conditions
- Don't qualify for ACA subsidies and find marketplace premiums unaffordable
- Are self-employed or don't have access to employer-sponsored coverage
- Have a faith-based or values-aligned preference for this type of program
- Want lower monthly costs and are comfortable with the tradeoffs
What to know going in.
We believe in being straight with people. Here's what health share plans do and don't cover, so you
know what you're getting into:
Typically covered:
- Major medical events - hospitalizations, surgeries, ER visits
- Preventive care (varies by program)
- Maternity (often with waiting periods)
- Certain prescriptions for acute conditions
Often not covered or limited:
- Pre-existing conditions (varies by program and waiting periods)
- Ongoing prescriptions for chronic conditions
- Mental health and substance use treatment (varies)
- Dental and vision (separate riders usually available)
We'll walk you through the specifics of any plan before you commit to anything.
Find out if a health share plan
makes sense for you.
Fill out the form below and we'll reach out to talk through your situation and
whether a health share plan is a good fit.
Common questions.
Is a health share plan legal?
Yes. Health sharing ministries are recognized under federal law and have operated legally for decades. They're not insurance, but they're a legitimate way to manage healthcare costs.
Will it cover my prescriptions?
It depends. Most programs cover prescriptions for acute conditions (like an antibiotic for an infection) but don't cover ongoing medications for chronic conditions. We'll look at your specific situation before recommending a plan.
Can I use any doctor?
Most health share programs don't use networks the way traditional insurance does - you can typically see any provider. Some programs have discount networks that can reduce your costs further.
What happens if I need major surgery or hospitalization?
That's where health share plans tend to perform well. Most programs are designed specifically to share the cost of major medical events. We'll walk you through any dollar limits or guidelines before you enroll.
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