Altrua HealthShare

Read reviews, FAQs and get instant quotes on all Altrua Healthshare plans.

Altrua HealthShare

By Leslie Jablonski – Updated Sept 18, 2024
Reviewed by Wiley Long – Fact checked by Christine Corsini

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All You Need To Know About Altrua HealthShare

Join Altrua HealthShare for a compassionate, flexible, and cost-effective alternative to traditional health insurance.

 

Altrua HealthShare is a health care sharing ministry with thousands of members nationwide.

Altrua HealthShare is NOT an insurance company nor is the membership offered through an insurance company, and the organization is not subject to the regulatory requirements or consumer protections of any state insurance code.

Altrua HealthShare has shared over $100 million in medical costs over 25 years and has a network of over 1 million providers.

Community Support:

Share medical expenses with a network of like-minded individuals, fostering a sense of community and mutual aid.

Preventive Care Focus:

Emphasis on wellness and preventive care to help maintain a healthy lifestyle.

Transparency:

Clear guidelines and processes for sharing and covering medical expenses.

Cost Savings:

Often more affordable than traditional health insurance, with lower monthly contributions and out-of-pocket costs.

 

Alternative to Traditional Insurance:

Ideal for those seeking an alternative to conventional health insurance plans, with a focus on community values and shared responsibility.

Flexibility in Providers:

Freedom to choose your own healthcare providers without restrictive networks.

No Open Enrollment Periods:

Join at any time without the limitations of specific enrollment periods.

Compassionate Care:

Benefit from a faith-based approach that prioritizes compassion and stewardship.

How To Use Your Altrua HealthShare Membership

  1. When you visit your provider, show your Altrua Membership ID Card from the Altrua HealthShare app you have downloaded.
  2. Your provider will send a copy of your medical needs to Altrua HealthShare.
  3. Altrua will send you and your provider an explanation of sharing, which breaks down the costs and services.
  4. Altrua Members then share in the cost of the eligible medical directly to the provider.

In addition to their medical cost-sharing, Altrua HealthShare Ministries is a 501(c)(3) non-profit charitable organization. Since 2000, Altrua HealthShare has donated money to countless charities, including disaster relief efforts, women and children’s shelters, Ronald McDonald House, food shelters, and Autism Smiles.

Download the Altrua Membership Brochure for more details.

Get a Quote & Enroll in Altrua HealthShare Today

Join the hundreds of thousands of Altrua HealthShare plan members that have discovered Altrua HealthShare works for their family’s healthcare needs.


  1. To get a quote, Select Your State and click the Instant Quote button.
  2. To apply online, after you get a quote, click on the Enroll Now button. 
  3. Fill out the application form with accurate personal and health information.
  4. Carefully read through the membership guidelines to ensure you meet all the eligibility criteria and understand the expectations.
  5. Provide any required supporting documents, such as proof of income, lifestyle commitments, or medical history.
  6. Select the plan that best fits your healthcare needs and budget.
  7. Confirm the monthly contribution amount and initial fees.
  8. Submit your completed application and supporting documents online.
  9. Pay the initial membership fees required at the time of submission.
  10. Wait for the Altrua HealthShare team to review your application.
  11. They may contact you for additional information or clarification if needed.
  12. Once approved, you will receive a membership confirmation along with your membership ID and plan details.
  13. Review the welcome packet for important information about how to use your membership.
  14. Start making your monthly contributions.

Altrua HealthShare Has Four Levels of Medical Services

You May Choose

DIAMOND


Diamond is the highest level of membership.

  • 1st MRA: $500 per person per year

  • 2nd MRA: $2,500 to the licensed medical professional/facility (maximum of $5,000 if the medical professional/facility is non-affiliated)

  • $5,000 MRA per pregnancy

  • $5,000 MRA per adoption event

  • Lifetime Limit of $2,000,000 per member

  • No annual maximum

EMERALD


Emerald is the tier above Sapphire.

  • 1st MRA: $1,000 per person per year

  • 2nd MRA: $2,500 to the licensed medical professional/facility (maximum of $5,000 if the medical professional/facility is non-affiliated)

  • $5,000 MRA per pregnancy

  • $5,000 MRA per adoption event

  • Lifetime limit of $1,000,000 per member.

  • No annual maximum

SAPPHIRE


Sapphire is the tier above Ruby.

  • 1st MRA: $1,500 per person per year

  • 2nd MRA: $2,500 to the licensed medical professional/facility (maximum of $5,000 if the medical professional/facility is non-affiliated)

  • Maternity and adoption are not included

  • Lifetime limit of $1,000,000 per member

  • Annual limit of $250,000

RUBY


Ruby membership has the lowest cost and the highest Member Responsibility Amount.

  • 1st member responsibility amounts (MRA): $7,500 per person per year

  • 2nd MRA: 50% of the next $10,000 per member (maximum of $5,000 if the medical professional/facility is non-affiliated)

  • Maternity and adoption are not included

  • Lifetime limit of $1,000,000 per member

  • Annual limit of $150,000

All Altrua HealthShare memberships Include counseling services, telemedicine, and discounts on dental, vision, and hearing. After the 1st and 2nd MRAs are met, 100% of eligible medical needs are eligible for sharing for the remainder of the year.

Altrua HealthShare Pros & Cons

Thinking of switching to Altrua HealthShare? Here are pros and cons to be aware of.

Altrua Pros

  • Members support each other by sharing medical expenses, fostering a sense of community and mutual care.
  • It is cost-effective as there are lower monthly contributions and out-of-pocket costs compared to traditional health insurance.
  • The Altrua Ruby plan is one of the least expensive healthshare plans available.
  • You are free to choose your own healthcare providers, not restricted to specific networks.
  • You can join at any time without the constraints of open enrollment periods.
  • No medical need has ever gone unshared by the membership since Altrua Healthshare began. 
  • Altrua Ruby is one of the lowest cost healthshare plans available.
  • Alternative medicine and chiropractic charges may be eligible for sharing after 12 months of membership. 

Potential Cons

  • Altrua will not accept smokers, and members must agree to certain religious principles about illicit drugs, abortion, and sexual relations outside of marriage. 
  • Plan includes a a 12-month cancer waiting period for Sapphire and Ruby members.
    Sharing for certain procedure, including opthalmic surgical procedures, outpatient surgery, and ultrasound scans have a 90-day waiting period.
  • Coverage for pre-existing conditions may be limited or subject to waiting periods.
  • Health sharing plans do not comply with the Affordable Care Act (ACA) mandates, which may be a consideration for some individuals.
  • The least expensive but popular plan – the Ruby level – has an annual limit of only $150,000. 

Enhance Your Altrua HealthShare Experience with HSA MEC

Elevate your Altrua HealthShare membership with the strategic addition of HSA MEC, exclusively from HSA for America.

This HSA-qualified, preventive-only plan is the perfect complement to your Altrua membership, designed to amplify your healthcare savings through substantial tax benefits.

Why HSA MEC with Altrua?

  • Tax Relief: Maximize your deductions and enjoy tax-free growth on your savings.
  • Investment Potential: Unlock superior tax-favored investing with HSAs.
  • Worldwide Flexibility: Access your funds tax-free for medical care, globally.

Leverage the synergy between Altrua and HSA MEC for complete healthcare savings. 

HSA MEC with Altrua
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Altrua HealthShare Frequently Asked Questions

Altrua HealthShare FAQ Icon

Q: What is the most popular Altrua plan?

A: Currently the most popular Altrua plan we offer is the Ruby plan. This is popular because it has very low monthly contributions to be a member. Note however, that it does have some strict limitations, including a $150,000 annual limit on what it will share.
Another low cost option you may want to review is JHS Community.

Altrua HealthShare FAQ

Q: Do I have to be a Christian to get Altrua?

A: Altrua HealthShare members must sign a Statement of Standards. This includes commitment to good nutrition and a rejection of tobacco and illicit drugs, as well as some biblical-based ideals on marriage, community, and abortion. However, there is no requirement to be an active member of a church.

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Q: How do I use a health sharing plan?

A: Simply present your Altrua HealthShare Membership ID to your provider, explaining that you are a member of a recognized Health Care Sharing Ministry. Your provider will send the bill to Altrua Healthshare, who will process payment after the expense is approved.

Altrua HealthShare FAQ

Q: Will my doctor accept Altrua HealthShare?

A: Altrua Members present themselves as self-pay patients when they visit a doctor. They can go to any provider or facility, regardless of their network affiliation.

Altrua HealthShare is not available in Florida or Montana.

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Q: Does Altrua HealthShare require a health screening?

A: There is no physical health screening required for membership in Altrua HealthShare. However, all members must complete an online application which includes a personal medical history. Submitting inaccurate medical information could lead to a limitation or denial of membership.

Altrua HealthShare

Q: Does Altrua HealthShare include maternity?

A: All Altrua HealthShare members can receive sharing for maternity costs after a 90-day waiting period. Sharing benefits increase after 1 and 2 years of membership to a maximum of $25,000.

We’ve helped over 16 thousand people find health insurance or a health sharing plan.

Each customer gets the same amazing service.

Mel Fonseca (Personal Benefits Manager) is outstanding with communicating, and getting back to me if I need help — which I have needed. Much of it was 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

My feedback for working with Whitney Kline (Personal Benefits Manager) is that she was and continues to be extremely helpful.

Mary-Jo Briguglio
KY

Mike Montes (Personal Benefits Manager)–provided clear info, a timely basis & helped direct me to what he thought would be best coverage. Real Consultant.

Vincente Gonzalez
FL

 

Misty Berryman (Personal Benefits Manager) has been fantastic in answering our questions leading up to enrollment and made the process as seamless as possible.

Dave & Kristin
GA

I have had a great experience with Leslie (Personal Benefits Manager)– she has been very helpful and personable throughout the entire process of getting us setup with this new Healthshare plan.

Anja Prince
AZ

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

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Read Altrua HealthShare Reviews

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3.3
3.3 out of 5 stars (based on 18 reviews)
5 star28%
4 star28%
3 star17%
2 star5%
1 star22%

It come with few administrative hassles

July 30, 2024

It has been relatively affordable, but the claims process needed to be more convenient than expected. Navigating through the paperwork and documentation required for reimbursement has been time-consuming and, at times, confusing. Streamlining the claims process would significantly enhance the overall customer experience. While the coverage meets our needs, the administrative hassles have yet to detract from our overall satisfaction with the plan.

Chole K, AL

Zero stars

April 20, 2024

Altrua is a scam. They don’t even deserve a 1/5. We were members for years and their ambiguity and deceitfulness is beyond words. In most recent events, our son broke his arm and Altrua has manipulated, lied, avoided, and ignored our coverage leaving us exposed to a hospital and their collections department. We have paid the MRA in full plus a thousand dollars extra and Altrua still is avoiding their responsibility. Altrua staff play dumb by telling us they lost files or didn’t receive files. They claim to be making payment to the hospital and suddenly checks are lost in transit. This is not a Christian or a reputable business. This is a clown show. We have the most expensive plan you can buy at around 0 monthly and it gets you nothing but stress and neglect. My wife has been spending hundreds of hours talking to Altrua team who all claim docs are missing or have no knowledge. It’s like dealing with idiots and unprofessional jokesters daily. They blame everyone but themselves. They offer no support. Every answer is ambiguous. Anyone that uses them needs to know that your premiums are going up in smoke. This isn’t a health share. It’s a scam where to you pay and trust and find out you have zero coverage and support. Run away as fast as you can.

Pete V

Altrua’s a scam

November 8, 2023

I went to the doctor with a nasty sinus problem. When I sent the bill to Altrua, they assumed I blew out my sinuses snorting cocaine (this is a lie) and denied the claim. Later, I got diagnosed with granulomatosis (Wegener’s disease) which is an autoimmune disorder that attacks sinuses and the upper respiratory system. But they stll fought me. The bill wound up in collections, ruining my credit. This never would have happened with Blue Cross. I wound up switching back. Premiums are higher, but you get what you pay for.

Pablo E

I own a small HVAC business

July 29, 2023

I have 15 employees. We started offering Altrua healthsharing as an alternative to our group health insurance plan that was easier for our workers to afford. So far it’s been a big hit. It saves both the company and the employees money. We were able to take some of the money we saved and reinvest it back into our employee benefits package with health reimbursement arrangements and hospital insurance. So far very happy with the value that Altrua provides.

Caveat: Nobody’s had a big medical emergency yet! We’ll be watchint to see how well they do when it counts!

Stan Z
Verified

Happy so far

May 16, 2023

I had a complicated medical situation. Plus my doctor’s office never heard of Altrua, so that was stressful. I called the companyt and spoke with Anna who was very patient and helped me. I had the Ruby plan so I had to pay a lot but they reimbursed me what they were supposed to.

Laney C
Verified

Saving up for a house

October 12, 2022

My husband and joined Altrua because it saved us 400 every month compared to our medical plan from before. We don’t get an obamacare subsidy, so we couldn’t afford the exchange. Our new plan works well for us, especially with a direct primary care plan. Now we can save more for a house!

Erica B
Verified

Not a fan of Altrua

August 29, 2022

Altrua sucks! I had to go to the ER. I got discharged that night. Didn’t think anything of it. I got a bill in the mail a couple of weeks later. I sent it in to Altrua for healthsharing, and they rejected it on a technicality because I didn’t contact them within 96 hours.

I dropped them and went with someone else.

Ron S
Verified

Better than Trinity for our business

August 11, 2022

Our last healthshare company went out of business last year so we had to find a new one. Only went with Altrua because of a recommendation from another business owner. We’re pretty happy with them so far. The plans are bit more expensive but not by much. We dealt with our first cost sharing requests this week and everything went smoothly.

Markus L.
Verified

Have Altrua for my husband and me

June 3, 2022

My husband and I signed up last year. They’ve been okay so far. We’re in one of the upper-level plans and we’re only paying a few hundred bucks a month. It’s way better than our old insurance plan. But we had to set aside some money to cover our Member Amount, which is what we have to pay before the plan kicks in.

Trinity A.
Verified

I didn’t really think about the lifetime sharing limits

May 16, 2022

My Altrua program has a $1,000,000 sharing limit. I thought that was a lot when I signed up, but now, I’m not so sure. Hospitals are charging a lot these days and I’m worried how much it will cost if I get into a car accident or something. I don’t know. Other than that, I guess they are okay. I only have to pay about $200 per month.

Isaiah A.
Verified

if you need help dont call us we are a faith based healthshare pray for guidance

April 8, 2022

Have had altrua diamond for a few years felt safe that i had a policy. until I called for help to find a podiatry. I looked up their list 2 pages none of the doctor offices have heard of them.So I called altrua for help in locating a doctor that they might help me pay for. they told me to have doctors submit a form to them. These people will not help me . I am in pain and without help with my foot i can no longer help my disabled wife push her wheelchair. also the damond level seems to be worthless. maybe i did not pray enough for help from this company. But pay i do they love the money i spend.

Frederick Z.
Verified

Two words: Unlimited telemedicine

February 17, 2022

When the pandemic hit almost my entire family stopped going to the doctor. Altrua gives us free telehealth, which makes it easy to consult with a professional without having to drive anywhere. I’m in the cheapest plan they have, and I still get telemedicine included.

Mario L.
Verified

Loving the Diamond-level membership

January 11, 2022

After a few years with Altrua I decided to upgrade to the Diamond membership. It’s the only health sharing plan that I know of that has maternity and adoption benefits. It’s more expensive than what I used to be in but I know that it’s worth it.

Allison N.
Verified

Altrua has lots of sharing options

November 29, 2021

The Diamond and Emerald plans are pretty impressive, especially for a health sharing program. They’re some of the only plans that have sharing options for maternity, adoption, and even funeral needs. The Diamond plan is definitely more expensive than the others, but it’s still keeping my family well-protected for a lot less than those ACA plans.

Jen B
Verified

Good option for new parents

September 21, 2021

I’m pretty happy with our Altrua plan. We had tried health sharing once before, but once we decided to have a kid, we knew we’d need a program with better benefits. Our Altrua Diamond program has coverage for both pregnancy and adoption, with an MRA (kind of like a deductible) that we could afford. With my husband and I we’re only paying about $400 per month, which is way better than our old insurance plan.

Shelly M.
Verified

Altrua is a decent option

September 20, 2021

Altrua has a lifetime sharing limit of $1,000,000. That might seem like a lot, but with what hospitals are charging these days, who knows. Anyway, the Ruby-level program is one of the most affordable healthshare options on the market. It’s only about $100 a month, so that makes it worth it for me in the end.

Jimmy C.
Verified

We like the Altrua office visit pooling

September 1, 2021

I originally gave Altrua a 4/5 because my daughter got sick as we were about to run out of sharing for office visits. Then they told me that our family program means that all of our office visits are pooled. Since the rest us haven’t had to see the doctor this year, my daughter can use those visits instead, and all we have to pay is the $45 MRA.

Sarah H.
Verified

Good customer service

August 12, 2021

One of the only reasons I ended up with Altrua is because of the 30-day trial. I just wanted to see how everything worked, and how good the customer service was. I didn’t have any medical expenses during that time, but it was clear that these were the people that I wanted handling my healthcare.

Elaine M.
Verified
 

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Telephone: 800-913-0172
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