OneShare Health Programs

Read reviews, FAQs, and get instant quotes on all OneShare Health Programs!


By Lou Spatafore – Updated Oct 7, 2024
Reviewed by Misty Berryman – Fact checked by Christine Corsini

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or compare OneShare Health to other healthshare options available at HSA for America


All You Need To Know About OneShare Health

OneShare Health, a healthcare sharing ministry founded by a team of expert healthcare professionals, offers two levels of health care sharing programs — Classic and Catastrophic — for individuals and families.

The most popular program is the OneShare Classic Crown, which combines low contribution amounts with a $1,000,000 lifetime maximum and a $500,000 sharing limit per incident. Up to five doctor visits are included, with a $40 visit fee.

The OneShare Catastrophic is the most affordable option and is designed for major medical expenses. This program does not include preventive services or doctor visits.

OneShare Health Money-saving Member Features

OneShare Health yearly exams

Annual preventative exams, including physicals, GYN visits, and immunizations, are eligible for sharing after a 180-days waiting period.

Telemedicine

Talk to a doctor 24/7 for your acute care needs and even get a prescription if medically appropriate– all with a $0 fully shared consult fee.

OneShare Health eligibility

Includes services such as primary care, specialists, urgent care, hospitals, outpatient therapy, and more depending on the program you enroll in.

Preventative care

100% shared up to $1,000
(Only on Classics)

Diabetic discount supplies

Up to 75% off retail price.

Disposable medical supplies

20% – 40% off retail price

Dental discount services

Save up to 50% on most dental procedures including routine oral exams, unlimited cleanings, and major work such as root canals, crowns and dentures. Save 20% on orthodontics

Prescription discount services

Access to over 60,000 pharmacies. Get 15% – 80% off on generic drugs and 15% – 25% on brand name drugs.

Vision discount services

Save up to 50% off the retail price of eyewear with the EyeMed Vision Care Access Plan D discount program. Discounts on exams, eyewear, and contact lenses from more than 90,000 providers nationwide.

Get a Quote & Enroll in OneShare Health Programs Today

Join the hundreds of thousands of OneShare Health Programs plan members that have discovered OneShare Health Programs works for their family’s healthcare needs.


  1. Click on “Instant Quote”.
  2. Enter your personal information, such as age, gender, and location, to receive an estimated monthly contribution amount.
  3. Carefully review the plan details, including what is covered and any limitations or exclusions.
  4. Check the benefits, such as preventive care, telemedicine, emergency care, and any discounts available.
  5. Fill out the enrollment form with your personal and payment information.
  6. If required, provide any necessary documentation, such as proof of previous health coverage or medical records for pre-existing conditions.
  7. Choose your preferred payment method (e.g., bank transfer, credit card).
  8. After completing the enrollment process, you will receive a confirmation email.
  9. Your membership ID and plan details will be provided, which you will need to access services.
  10. Once your membership is active, you can start using the benefits immediately or as specified in the plan details.

Choosing the Right Healthshare Plan for You

View the plan features of OneShare Health

Plan Features OneShare Health
Deductible/IUA $5000, $7500, $10000
HMO/PPO Network Required? Any doctor or hospital
ER $500 fee
Dr. Visits $40/visit
Preventative $1000/year
Maternity Varies per plan
Rx Coverage Envision Rx

OneShare Health Pros & Cons

Thinking of switching to OneShare Health Programs? Here are pros and cons to be aware of.

OneShare Health Pros

  • Affordability: Lower monthly contributions compared to traditional insurance (starting as low as $115).
  • No Network Restrictions: Freedom to choose any doctor or provider without being limited to a network.
  • Comprehensive Benefits: Includes telemedicine, preventive care, emergency and hospital care, mental health support, and discounts on prescriptions, dental, and vision care.
  • Community-Based Approach: Operates under a Christian framework, emphasizing community support and shared responsibility.
  • Next-Day Activation: Some plans offer next-day activation, enabling quick access to benefits.

OneShare Health Cons

  • Limited Coverage for Pre-Existing Conditions: Generally shareable after 24 months of membership.
  • Claim Denials and Delays: Reports of significant issues with claim denials and delays.
  • Not Regulated Like Traditional Insurance: Less consumer protection and fewer coverage guarantees.
  • Statement of Faith Requirement: Members must agree to a Christian statement of faith, which may not suit everyone.
  • Waiting Periods: 90-day waiting period for non-emergency surgeries and other specified procedures.

Elevate Your OneShare Health Plan with HSA MEC

Integrate HSA MEC with your OneShare Health program for an unmatched combination of preventive care and savings.

Offered by HSA for America, this HSA-qualified, preventive-only plan boosts your OneShare Health experience by offering substantial tax benefits and enhancing your overall healthcare savings.

Why OneShare and HSA MEC?

  • Tax Efficiency: Benefit from significant tax deductions and the tax-free growth of your investments.
  • Superior Investments: Capitalize on the best tax-advantaged investment opportunities with HSAs.
  • Unbounded Care: Access your savings tax-free for medical expenses, anywhere in the world.

Maximize the value of your OneShare Health plan with HSA MEC.

HSA MEC with OneShare Health
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View OneShare Health Plans & Pricing in Your Area

or compare OneShare Health to other healthshare options available at HSA for America


Frequently Asked Questions About OneShare Health

Oneshare Health FAQ Icon

Q: What is health care cost program (Healthshare)?

A: Health sharing plans are a popular and affordable alternative to health insurance. These programs allow like-minded individuals to share the collective cost of health care.

Because healthshare plans are not regulated like insurance, they come with some additional restrictions.

Oneshare FAQ Icon

Q: How do I become a OneShare member?

A: Simply set up an appointment with your Personal Benefits Manager. You can find all the contact info you need at the bottom of this page. You can also click the link above to run a quote and apply online.

FAQ icon

Q: Does OneShare Health have waiting periods for pre-existing conditions?

A:  OneShare members have to wait 24 months before pre-existing conditions are eligible for sharing. Accidents, injuries, and acute illnesses are all eligible immediately, and there is a 90-day waiting period for all other medical costs.

Oneshare Health FAQ Icon

Q: How much does OneShare cost?

A: The cost of your new OneShare membership will depend on several factors. These include the number of people in your family, the state you live in, the age of the oldest member and the type of program you select.
OneShare Classic can be as low as $92.99 per month for individuals. Run an instant quote on our website for rates in your area.
OneShare Catastrophic can be as low as $72.99 per month for individuals. Run an instant quote on our website for rates in your area.
Run an instant quote on our website for rates in your area.

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

Leslie (Personal Benefits Manager) followed up with me for the potential purchase, answered all my questions, and provided me with all the tools I needed after the purchase.

Milcreek, UT

Mel Fonseca (Personal Benefits Manager) is outstanding with communicating, getting back to me if I need help — which I have needed much of — re-explaining things to me. I really feel that he is trustworthy. He’s kind and thoughtful and is really excited about the product/s he’s representing. Altogether he’s delightful to work with.

Elizabeth Wiersma, CA

Mike (Personal Benefits Manager) did great on follow-up and made sure my enrollment was complete.

Tulsa, OK

Christina (Personal Benefits Manager) was awesome; we are very satisfied.

Stephen Resch, OH

Need Assistance?

Get Help in Figuring Out the Best Plan for You

Schedule a free appointment with our Personal Benefit Managers. It’s fast, friendly and easy with no obligation.

Need Assistance?

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Read OneShare Health Programs Reviews

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4.0
4.0 out of 5 stars (based on 27 reviews)
5 star33%
4 star48%
3 star4%
2 star11%
1 star4%

Review exclusions

December 2, 2024

I signed up for OneShare Health about a year ago, and while the sign-up process was easy, I felt like there wasn’t enough transparency about the limitations. The representatives explained the basics of how health sharing works, but they didn’t go into enough detail about what wasn’t covered. After joining, I realized that the exclusions were more significant than I expected, which was frustrating.

Amy T

Pricing can be a bit high

September 7, 2024

OneShare Health offers excellent healthcare options with a variety of plans to choose from. The coverage is comprehensive, and their customer service is top-notch. The only reason for not giving it 5 stars is the pricing, which can be a bit high.

David J

An affordable plan

June 3, 2024

OneShare Health Plans has provided me with affordable coverage, and I appreciate their commitment to transparency. My only concern is the waiting period for pre-existing conditions. Overall, it’s a solid choice for those looking for a unique approach to healthcare.

Chloe J, OK

Our family has saved so much money!

February 24, 2024

Our family of 4 has been enrolled with OneShare for almost 4 years. It’s perfect for not only basic medical needs but catastrophic as well. Their customer service team is always very helpful and the amount of money we have saved is a true blessing. Would definitely recommend!

Melissa B.

Its not that bad!

December 21, 2023

OneShare Health Care Sharing Programs offer an interesting approach to healthcare costs, and I appreciate the sense of community. However, I’m rating them at four stars because the limitations on coverage and the paperwork involved in the reimbursement process can be a bit frustrating. It’s not as straightforward as I would like it to be.

Henry K TX

Oneshare has work good for us so far

October 3, 2023

We have had Oneshare for over a year now and everything seems to be working just fine. However, we have not had to make a claim yet, so I guess we’ll find out when that day comes.

Jim C

Seems like a great option!

August 18, 2023

Like some other people whose reviews I read, I was struggling because I was paying full price for health insurance. I’m an independent contractor, and I make too much money for an Obamacare plan. I was paying 1200/month for a family plan, which was ridiculous and they still didn’t cover everything I needed! So I went to look into my options.

With OneShare, my premiums fell to just under 750 per month! WIth no 20% coinsurance, and almost the same deductible or whatever they call it. Haven’t had to use it yet, though. So we’ll find out when the “Rubber meets the road,” so to speak.

Allen S
Verified

Great alternative to obamacare!

June 5, 2023

My wife and I are Christian and strongly pro-life. We didn’t want to support an Obamacare insurance company or anyone else that covered abortions. So we looked around at several faith-based health sharing ministries. We considered several, and we chose OneShare.

They aren’t perfect. We’ve had some issues in the past getting an ER bill paid. Our dermatologist’s office wouldn’t work with us. But that’s because they didn’t understand how health sharing programs work. Once we ironed that out the process was pretty easy.

Ed J
Verified

STEER CLEAR!!!!!!!!!!!!

January 27, 2023

I don’t understand why people are rating this company based on the ease of sign up- OF COURSE that will be a great experience; they want your money!!! Might want to wait until you ACTUALLY need to use it before doing so…

If I could give them ZERO stars, I would. Be prepared to not have A CLUE in how much they will ‘share’, if anything, towards medical claims. They also do not have EDUCATED staff to review medical records before making determinations as to what qualifies or breaks their ‘rules’. I was involved in a NO-FAULT accident, shattered my pelvis on both sides, had to be transported to the hospital via ambulance and spent 4 days there. The medical bills were HUGE. They first tried to get me to work with the hospital and get financial relief (I was out of work for the 1st and only time in my life due to Covid and business basically shutting down) so they could get out of sharing anything- The hospital didn’t buy that and said Altrua had to FIRST contribute and whatever was remaining they would work with me on. Fast-forward and they then DENIED ALL CLAIMS, stating ‘excessive alcohol’ use. When you sign up for this membership, and in order to remain eligible for sharing you have to live a healthy lifestyle- No smoking, no excessive alcohol… The medical records team read my blood test wrong!!! 24ml equates to a .02 BAC. It even said on the test result ‘null / none found’. But they conveniently ignored that, either played stupid or truly weren’t smart enough to convert it and *decided* that my BAC was .24. After hours and hours of phone calls, 4 appeal letters explaining this…. They FINALLY started sharing. But they screwed me ROYALLY- Because bills went unpaid and to collections, my credit score went from over 800 down to under 700. Fast forward over 2 YEARS later and I’m STILL working to get the last item paid and removed from the credit reporting agencies. This last one they submitted as a ‘Workman’s Comp’ claim so they could get a lower negotiated rate (they are responsible for 100% of this bill) and it was rejected because it was obviously filed under false pretenses. Even when this last item is paid and removed from my credit score, it will take YEARS before it goes back up to where it was.

Literally, a nightmare. I’d just assume not have insurance / healthshare coverage at all. Over 2 YEARS of dealing with just this, the financial impact, stress… NO THANK YOU. I dumped them and am now with Oneshare Health and have never been happier.

Another Unfortunate Victim
Verified

We liked the telemedicine option

January 11, 2023

My wife is 61 and was afraid to go to the doctor’s office because of Covid but OneShare came to the rescue. They have a really good telemedicine program and we were able to do all our consults and checkups over a cell phone.

We also like being able to save so much money in monthly premiums. We haven’t had to do a big claim yet so we’ll see.

Thomas N
Verified

Oneshare helped us save money!

August 24, 2022

You can definitely save money with OneShare Health. We earned too much to qualify for an Obamacare subsidy but not enough to afford health insurance for our whole family because we live in a high cost of living area. We used HSA for America who suggested we consider a health sharing ministry. With my husband, me, and my three children we’re able to save over 40 percent compared to our previous family plan from Aetna. Definitely continuing with OneShare!

Lydia B
Verified

Big Discounts for Diabetic Supplies

July 6, 2022

Our PBM recommended that we choose OneShare because of my husband’s diabetic needs. It came with a great discount program that is making all our supplies a lot cheaper, just for being a member. Most health shares don’t seem to care about diabetics.

Phillipa B.
Verified

Doesn’t Meet my Christian Values

May 18, 2022

OneShare claims to be a healthshare ministry but I don’t see much evidence of that. They just let everybody in. I miss the smaller Christian community that we used to have. I’m switching to MediShare.

Sarah C.
Verified

More expensive than OneShare but worth it

May 1, 2022

Zion lets you contribute to an HSA if you’re in the right plan. That was reason enough for us to switch. We’re paying a bit more than our old OneShare plan but Zion seems way better so far.

Nathan D.
Verified

Maxed Out my Sharing Limit

February 17, 2022

I was in a serious accident last year … with some huge bills. My OneShare plan maxed out at $500K for the year. I know that’s a lot, but it still left me with some pretty serious bills to cover on my own. Check your plan’s annual limits before you sign up!

Shauna R.
Verified

The 24/7 crisis line is a God-sent blessing

December 29, 2021

Although One Share isn’t as openly Christian as some of the other companies, I have no doubt that they are truly doing the Lord’s work with their cost sharing programs. I have a friend who has been getting free help with her mental health through OneShare … multiple free sessions a year and a 24/7 crisis line that she’s used on more than one occasion. That’s why I switched to OneShare, and probably for good.

Stephen D.
Verified

Choose the ‘catastrophic’ plan to get the lowest costs

December 8, 2021

My health insurance guy told me that OneShare had some of the lowest monthly costs out of all the healthshare plans, so I decided to give it a shot. I’m in the “Catastrophic” plan, and I’m paying just over a hundred bucks a month for decent health protection. Thinking of upgrading to the Complete option next year because there’s no limit on sharing amounts.

Andy L.
Verified

It only took like 20 minutes to get signed up with OneShare

November 25, 2021

I had to go with health sharing because I missed the insurance deadline or whatever. I was able to sign up with OneShare right away. As in right away. My plan was up and running within 24 hours of when I first made the call. The folks that were helping me were really nice, too!

Michelle L.
Verified

Lots of Provider Options

November 22, 2021

My advisor told me to take a look at One Share ever since they expanded their preferred networks. She was right … OneShare has a lot of options to choose from if you’re looking to keep your costs down. Totally satisfied so far … Will update my review if anything changes.

Juana T.
Verified

Fast cost sharing (just as long as its qualified)

October 18, 2021

Since meeting my annual portion, I’ve used my OneShare plan twice. Both times they processed the cost sharing in under a month, which is a bit faster than what the other healthshare companies can do from what I’m told. Just make sure that you’re submitting a medical receipt that is “qualified”. Actually it’s best to check beforehand, because if it isn’t on their list, they won’t approve it for sharing.

Ken W.
Verified

OneShare has better access for prescription drugs

October 7, 2021

Our family switched to One Share once we found out about their prescription drug program. We both take various medications, and having a little help with the cost each month is really nice. On top of that, we’re getting health protection for the ‘bigger’ stuff just in case anything happens. Super happy with OneShare.

Ishaad K
Verified

Saving money with my OneShare plan

September 15, 2021

I switched to OneShare because an agent told me I’d be saving a few hundred bucks a month. So far, the savings have been pretty good. I’m in the Catastrophic program, which I think is the lowest cost.

Tracey M.
Verified

OneShare helped us with our prescription drugs

September 13, 2021

My wife and I switched to OneShare from a different sharing program because we were looking for more help with our prescription drugs. OneShare has a discount prescription program that included the medications that we both needed. We’ve been super happy since making the switch.

Greg V.
Verified

OneShare offers mental health services

September 6, 2021

OneShare is better than a lot of the other HCSMs out there, primarily because they offer free mental health services. All members get 4 counseling sessions per year, as well as access to a 24/7 crisis line. This used to be one of the big things lacking with health sharing, but it’s good to know that at least one company knows how important it is.

Joel H.
Verified

Easy to sign up for OneShare

August 19, 2021

I was surprised at how fast it was to sign up for OneShare. Our family had a healthshare program up and running by the very next day. We haven’t been enrolled for that long, but if their service department is any indicator, I think we’re going to stick with these guys for a while.

Nallie C.
Verified

OneShare’s concierge people are great

August 1, 2021

OneShare’s concierge people are great. They’ve helped me find a network provider more than once, and since they merged with First Health Network, I’ve got more options than I used to. I used to be on MediShare, but I’d say that OneShare is just a bit more modern.

Beth K.
Verified

The cost sharing is pretty fast with OneShare

July 27, 2021

The cost sharing is pretty fast with OneShare… Usually I get paid out within a month. But I didn’t realize that my Catastrophic plan had a per-incident limit on it. I’m thinking of changing it from $150,000 to $250,000 just in case something happens.

Nicole Z.
Verified
 
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Disclaimer: All information on this website is relayed to the best of the Company's ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of actual price is subject to Carriers.