HSA-Qualified Healthshare Plans
The low monthly costs of health sharing, combined with the triple tax savings of an HSA.
Also Considering Traditional HSA Insurance? Looking for an HSA paired with a conventional health insurance plan instead?
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47%
Average Monthly Savings
$500 to $1000
Monthly Premium Reduction
Tens of Thousands
Members Across Our HSA-Qualified Plans
20+ Years
Helping Families Find Better Healthcare
Important: Health sharing is not health insurance. It is a membership-based cost-sharing arrangement among members. Eligible medical bills are shared by the community, not guaranteed by an insurer.
Why Healthshare and Why an HSA?
Most Americans believe they only have two choices when it comes to healthcare: buy expensive traditional insurance, or go without.
There is a better option, and it is one that tens of thousands of people have already discovered.
Pairing a health sharing plan with a Health Savings Account (HSA) is one of the most powerful healthcare strategies available today. You pay dramatically less each month. You protect yourself from large, unexpected medical bills. And you build a triple tax-advantaged account that grows over time and never expires.
Here is the full story of why this combination works so well.
The Problem With Traditional Health Insurance
Premiums for an unsubsidized family plan can easily exceed $20,000 per year, before a single deductible dollar is paid. And those premiums come with shrinking networks, more prior authorizations, and higher out-of-pocket costs every year. You are paying more. And you have less freedom in how you receive care.
The Alternative: Health Sharing
First, the most important thing to know: health sharing is not health insurance. It is a community-based program in which members contribute a set monthly amount, and those pooled funds are used to help share each other’s eligible medical expenses. It typically costs 40 to 60 percent less per month than a comparable insurance plan. Members choose their own doctors with no network restrictions.
Why Add an HSA?
A Health Savings Account is one of the only triple tax-advantaged accounts in the U.S. tax code. Every dollar you contribute reduces your taxable income. The balance grows tax-deferred. And every dollar you spend on qualified medical expenses comes out completely tax-free. HSA funds never expire, and at age 65 you can withdraw for any purpose without penalty.
The Power of Both Together
When you combine health sharing’s lower monthly contributions with the HSA’s tax savings, the financial impact is significant.
Most members save $8,000 to $12,000 or more per year compared to a traditional health insurance plan.
Here is a simplified comparison for a family of four in 2026:
| Traditional Insurance $7,500 Deductible | 80/20 Coinsurance | HSA-Qualified Healthshare Plan $1,000 IUA | MEC Included | |
|---|---|---|
| Annual Premium / Contribution | ~$20,000+ | ~$7,800 to $10,000 |
| Member's Share of a $5,000 Claim | Up to full deductible | IUA only ($1,000 to $2,500) |
| HSA Federal Tax Savings (family) | $0 | Up to $1,925+ |
| HSA State Tax Savings | $0 | Varies by state |
| Funds Roll Over Year to Year | No | ✓ Yes |
| Provider Network Required | Often yes | No, any licensed provider |
| Estimated Annual Savings | N/A | $8,000 to $12,000+ in Savings! |
The result is not just lower monthly costs. It is a fundamentally smarter approach to managing healthcare and building long-term financial security.
* Health sharing plans are not insurance. This comparison is illustrative based on 2026 plan data. Individual results will vary. The MEC plan included with HSA-qualified healthshare plans is an insurance product that qualifies members to open and contribute to a Health Savings Account.
How It Works With a Healthshare, and Why the MEC Plan Is the Key
Federal law requires that you be enrolled in an HSA-qualified plan to contribute to a Health Savings Account. Traditional high-deductible health insurance satisfies that requirement automatically, but a standalone health sharing plan does not.
This is the challenge, and HSA for America solved it. Every HSA-qualified healthshare plan we offer is paired with an HSA-qualified Minimum Essential Coverage (MEC) plan.
The MEC plan is a federally recognized insurance policy that:
✓ Covers 100% of in-network preventive care at no cost to you: annual physicals, immunizations, screenings, and more
✓ Qualifies you legally to open and fund a Health Savings Account
✓ Satisfies the ACA requirement for Minimum Essential Coverage
The health sharing component then handles the larger, unexpected medical expenses (surgeries, hospitalizations, specialist visits, emergency care) after your Initial Unshared Amount (IUA) is met.
Step-by-Step: How an HSA-Qualified Healthshare Plan Works
Open a Health Savings Account
Because your plan includes an HSA-qualifying MEC plan, you are eligible to open and fund an HSA with the bank or administrator of your choice, immediately upon enrollment.
Submit Large Medical Bills for Sharing
When you face a significant medical expense, you pay your IUA first. Eligible costs above that threshold are submitted through the sharing community’s member portal for reimbursement.
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Available HSA-Qualified Healthshare Plans
HSA for America offers three HSA-qualified healthshare plans.
Every plan includes an HSA-qualifying MEC insurance plan, health sharing for major medical expenses, 100% preventive care in-network at no cost (via the MEC plan), and the freedom to see any licensed provider, no networks required.
Each plan is a membership-based health sharing program, not health insurance.
⭐ MOST POPULAR
Note: This is a health sharing membership, not health insurance.
HSA Secure combines an HSA-qualifying MEC insurance plan with an established and transparent health sharing community. Members choose their own doctors with no network restrictions and enjoy a clear household out-of-pocket maximum of three IUAs in any rolling 12-month period.
Note: This is a health sharing membership, not health insurance.
HSA Premium1 provides four IUA options ranging from $1,000 to $5,000, 24/7 virtual care, unlimited mental health sessions with no yearly cap, and access to over 1,000 low-cost medications at $0 to $14.95, all while keeping you fully eligible for HSA contributions.
NEW
Ultrio HSA
Our newest HSA-qualified healthshare plan, with built-in virtual primary care.
Note: This is a health sharing membership, not health insurance.
Ultrio HSA pairs ACA-required preventive care with 24/7 virtual care, prescription benefits, and HealthShare protection from an established sharing community, all with an HSA-qualifying MEC plan included. Designed for self-employed individuals, families, and uninsured individuals who want the tax advantages of an HSA alongside open-network sharing for larger medical events.
How They Compare
Every plan qualifies you for an HSA. Here is how the three differ.
| Feature | HSA Secure ⭐ | HSA Premium1 | Ultrio HSA |
|---|---|---|---|
| Plan Type | Health sharing (not insurance) | Health sharing (not insurance) | Health sharing (not insurance) |
| MEC / HSA-Qualified | ✓ Yes | ✓ Yes | ✓ Yes |
| IUA Options | $1,000 / $2,500 / $5,000 | $1,000 to $5,000 (4 options) | $1,000 / $2,500 / $5,000 |
| Household Out-of-Pocket Max | 3 IUAs / 12 months | 3 IUAs / 12 months | 3 IUAs / 12 months |
| Preventive Care (via MEC) | ✓ 100% in-network | ✓ 100% in-network | ✓ 100% in-network |
| Telehealth | ✓ 24/7 included | ✓ 24/7 included | ✓ 24/7 included |
| Mental Health Support | ✓ Included | ✓ Unlimited virtual, no yearly cap | ✓ Included |
| Virtual Primary Care | ✓ Included | Not specifically named | ✓ Included |
| Prescription Savings | ✓ Discount program included | ✓ 1,000+ medications at $0 to $14.95 | ✓ Prescription benefits included |
| Preventive Sharing | ✓ Included | ✓ Included | ✓ Included |
| Provider Network Required | None | None | None |
| Best Feature | Concierge service | Widest IUA range plus extras | Most complete 3-in-1 package |
Free Guide: Understanding HSA-Qualified Healthshare Plans
Read on the go and understand exactly how health sharing and HSAs work together: contribution limits, eligible expenses, and how to maximize your tax savings in 2026.
What Our Members Are Saying
Real families. Real savings. Real stories. [Production note: Replace with actual client testimonials. See Brand Guide Section 8.2 for HIPAA compliance requirements.]
Michael & Sarah T.
Denver, CO
James R.
Austin, TX
Linda M.
Nashville, TN
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Frequently Asked Questions
[HSA-Qualified Healthshare Plans]
Q:What is an HSA-qualified healthshare plan?
A: An HSA-qualified healthshare plan combines two components: a health sharing membership for eligible larger medical expenses and a Minimum Essential Coverage (MEC) insurance plan that allows eligible members to open and contribute to a Health Savings Account (HSA).
Q: Why is a MEC plan included?
A: A standalone health sharing membership does not generally qualify someone to contribute to an HSA. The MEC plan included with these options is an insurance policy designed to provide Minimum Essential Coverage and allow eligible members to open and fund an HSA.
Q: What is an HSA, and what are its tax benefits?
A:A Health Savings Account is a personal account used for qualified medical expenses. Contributions may reduce your taxable income, funds can grow tax-deferred, and qualified medical withdrawals are generally tax-free. HSA funds also remain in your account and roll over from year to year.
Q: Is a healthshare plan the same as health insurance?
A: No. Health sharing is not health insurance. It is a membership-based cost-sharing arrangement where members contribute monthly amounts that may be used to share eligible medical expenses. Health sharing memberships do not guarantee payment of medical bills and are not regulated by state insurance laws.
Q: Can I contribute to an HSA with one of these plans?
A: Yes, eligible members can open and contribute to an HSA because each available plan includes an HSA-qualifying MEC insurance plan. Your eligibility can depend on your individual circumstances, so consider speaking with a qualified tax professional for personal tax guidance.
Q: What can I use my HSA funds for?
A: You can generally use HSA funds for qualified healthcare expenses, such as doctor visits, prescriptions, dental care, vision care, labs, and other eligible medical costs. Please check current IRS guidance or speak with a tax professional regarding a specific expense.
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