Short-Term Healthshare – OneShare Castrophic365
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By Lou Spatafore – Updated Feb 3rd, 2025
Reviewed by Whitney Kline – Fact checked by Wiley Long
All You Need To Know About
OneShare Castrophic365 Short-term Healthshare
The OneShare Catastrophic365 plan is a low-cost short-term healthshare plan.
It is offered by OneShare Health, offering a membership lasting from 1 month, up to 12 months. OneShare Health is an ACA-exempt health care sharing ministry dedicated to helping individuals and families share medical expenses with affordable and flexible sharing programs.
Rooted in the Anabaptist faith, OneShare Health unites members under shared biblical principles and provides unique health care solutions tailored to individual needs.
Ideal for those between jobs or who may have missed open enrollment, this plan features low monthly contributions, virtual urgent care, access to nationwide providers, and unique membership benefits.
The Catastrophic365 plan is structured around an Individual Sharing Account (ISA), which acts similarly to a deductible in traditional insurance. Members are responsible for covering medical expenses up to a selected ISA amount.
OneShare Catastrophic365 offers two ISA options: $5,000 or $10,000. The plan also includes per-incident sharing maximums (ranging from $150,000 to $500,000, depending on the plan) and lifetime sharing maximums.
Once the ISA is met, OneShare shares 100% of eligible expenses, including hospitalization, emergency room visits (after a $500 visit fee), inpatient and outpatient surgeries, and more.
However, preventative and wellness visits, primary care physician visits, urgent care physician visits, maternity expenses, and prescription drugs are not covered.
Convenient Short-Term Support
This 12-month flexible program is ideal if you are between jobs, or expecting to be covered under a spouse’s plan soon, or if you are approaching age 65 and will soon be on Medicare.
This also works well for anyone needing a lower-cost plan that can fit into their budget.
Unique Benefits
All OneShare Health members receive unique benefits with a WellCard Savings Card.
Benefits include savings of up to 75% on diabetic care, 50% on dental care and vision care, 15% on vitamins, 50% on MRI and imaging, and more.
Flexible Memberships
There are no time restrictions for joining or canceling the program.
You can cancel whenever you choose. Once the year is over, you can re-enroll for another year if you choose.
Nationwide Provider Network
OneShare Health partners with the First Health Network, allowing participants to choose from thousands of providers nationwide, ensuring high-quality, flexible care.
Members are not required to use an in-network provider; however, choosing an out-of-network provider may result in higher out-of-pocket costs.
Comprehensive Features
All members gain immediate access to virtual primary care, virtual urgent care (telemedicine), mental health services, discounted specialist and emergency room visits, and more.
Inpatient and outpatient surgery, x-rays, labs, diagnostics, and hospitalization services are all available after the ISA is met, but primary care physician visits are not supported.
Affordable Monthly Costs
The Catastrophic365 plans start at just $45.59 per month, with contributions 20% lower than OneShare’s standard Catastrophic plans.
How to Enroll in
OneShare Castrophic365
Enrollment takes about 5 minutes, and the plan can be effective as soon as tomorrow.
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- Go to the OneShare Health sign up page.
- Enter your information.
- Click Start Quick Quote.
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If you need assistance in enrolling, please reach out to an HSA for America Personal Benefits Manager.
Plan Features
Plan Features | OneShare Catastrophic365 |
|---|---|
Eligible for sharing: | Individual Sharing Amount (ISA) $5,000 / $10,000 |
Physician visits: | Virtual Urgent Care (Telemedicine): $0 Visit Fee / 100% Shared |
Facility services: | Emergency Room: $500 visit fee. |
Other services: | Hospitalization: Eligible after ISA |
Additional features: | Prescription, wellness, health and entertainment discounts. |
OneShare Catastrophic365 Pros and Cons
OneShare Catastrophic365 Pros:
- Affordable monthly contributions priced 20% lower than the standard Catastrophic program
- Free telemedicine support, and low ER visit fees (starting at $500)
- Vision, dental, prescription, and other discounts offered to all members
- Flexible program with no long-term commitments
- Comprehensive sharing options for surgeries, hospitalizations, and diagnostic procedures
- Specialist visits of only $75 for hospitalization and outpatient surgery
- Mental health support available 24/7
- Nationwide provider network through partnership with the First Health Network
OneShare Catastrophic365 Cons:
- No preventive care sharing, limiting options for proactive health management
- Lifetime sharing maximums apply, even with re-enrollment
- Emergency room visits exceeding $10,000 incur additional costs
- Maternity-related expenses, urgent care facility services, and primary care physician support not included in the program
- Plans only last for a maximum of 12 months, requiring re-enrollment at the end of the coverage period
Increase your OneShare Catastrophic365 Benefits
with HSA MEC
Take your OneShare Catastrophic365 coverage to the next level by integrating it with the HSA MEC offered by HSA for America.
Tailored to improve the impact of OneShare’s short-term health sharing plans, our preventative-only, HSA-qualified plan instantly upgrades your coverage.
Why Pair HSA MEC with OneShare Catastrophic365?
Increased Coverage
Add preventative care coverage to your short-term healthshare plan
Tax Savings
Benefit from exceptional tax deductions while saving for health expenses
Healthcare Freedom
Use your funds, without taxes for medical expenses worldwide
Investment Growth
Leverage HSA funds for tax-free investments
Optimize your OneShare plan with the added benefits of HSA MEC.
Frequently Asked Questions
Q: What does it cost to enroll in OneShare Catastrophic365?
A: To reduce administrative costs, OneShare Health charges a $25 application fee.
This fee ensures the enrollment process runs smoothly while maintaining affordable monthly contributions.
It is a one-time fee, and no additional charges are applied to begin membership in the Catastrophic365 Program.
Q: Are pre-existing conditions eligible for sharing?
A: No, pre-existing conditions are never eligible for sharing under the Catastrophic365 Program.
This includes any condition diagnosed or treated before enrollment or during a previous enrollment period, even if you re-enroll in the program.
Q: Are dependents covered?
A: Yes, dependents can be added to your Catastrophic365 Program.
If a dependent turns 27 during the 12-month period, they will remain on the program until it expires.
After expiration, they must enroll in their own program to continue coverage.
Coverage for primary or dependent members of a plan will end automatically at the close of a billing cycle if a member reaches the age of 65.
Q: How long does the Catastrophic365 program last?
A: The Catastrophic365 Program lasts up to 12 months from the start date.
However, you are not locked into the program and may cancel anytime without penalties.
Membership automatically ends the day before the anniversary date unless you choose to re-enroll.
Q: Can members re-enroll in this program?
A: Yes, members can re-enroll as often as needed.
However, re-enrollment does not reset the Lifetime Sharing Maximum.
For example, if you have a $1,000,000 limit and have already shared $300,000, only $700,000 remains available regardless of how many times you re-enroll.
Q: Can monthly contributions change during the 12-month period?
A: No, monthly contributions remain fixed for the duration of the 12-month program.
If you re-enroll after the program ends, the new monthly contribution will reflect current rates but will stay consistent for the duration of the new program.
We’ve helped over 16 thousand people find health insurance or a health sharing plan.
Each customer gets the same amazing service.
Lou (Personal Benefits Manager) made me feel comfortable with the new concept of Health Sharing by being himself, honest, and sharing his own experiences.
Neil DeFrancisco, MD
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Misty Berryman (Personal Benefits Manager) was fantastic to work with! I explained our situation/needs to her and she went through a number of options very thoroughly. We (Misty and I) worked through each of our options and determined the best path forward for my family. She is the best and any time we are in need for insurance, she will be our first call!
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The process of how everything went through the process and with Leslie (Personal Benefits Manager) was great! Things went smoothly and promptly, and all the information I needed was construed concisely.
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We’re Here to Help!
HSA for America can offer you free and professional advice so you can make the best choice possible regarding your health care plan. Your Personal Benefits Manager is available to answer any questions about OneShare CAT365 health plans, ultimately maximizing the amount of money you can save annually while truly understanding the type of health care you will receive.
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