Need a low-cost alternative to traditional, overpriced health insurance? The best Health Sharing Plans for 2025 are not only more affordable than insurance, but they’re also more versatile than ever.
In this short healthshare comparison guide, we’re looking at 5 of the best medical cost sharing options for the 2025 season.
Method: How We Compare the Best Health Sharing Plans for 2025
- Monthly Price. Known as a ‘Contribution’ or ‘Share’, this is the member amount that must be paid in order to have access to cost sharing.
- Annual Member Portion (AHP) or Equivalent: Similar to a deductible, every healthshare program asks the member to cover a portion of the medical bill before cost sharing kicks in.
- Annual or Lifetime Sharing Limits: Some healthshare plans have annual or lifetime limits on the amount of medical costs that can be shared.
- Member Benefits: Additional member benefits can include things like unlimited telehealth, mental health access, substance abuse counseling, and more.
- Statement of Faith / Statement of Belief: Most healthshare plans require members to agree to a list of beliefs or principles. Some are based in the Christian or Jewish faith, and some are non-religious.
Compare Pricing on the Best HealthShare Plans Available
Top 5 Best Health Sharing Plans for 2025: HSA Secure, MPB Health, and More
1.) Prosper: Best Overall Value
- Wide Range of Services Shared: Covers doctor visits, specialist care, preventive services, and emergency care, ensuring wide-ranging health support.
- Comprehensive Hospital and Surgery Sharing: Generous sharing limits for hospital stays and surgical procedures help protect against major medical expenses.
- Additional Wellness Benefits: Offers benefits for wellness and preventive care, focusing on long-term health and reducing future medical costs.
2.) HSA Secure: The Only HSA-Qualified Healthshare Plan
By combining a cost sharing membership with a Minimum Essential Coverage (MEC) plan, members can gain access to the powerful investment potential of a Health Savings Account (HSA).
3.) JHS Community: Lowest Monthly Cost
JHS Community is tailored for individuals seeking significant savings on monthly costs with a willingness to handle a higher initial out-of-pocket amount.
This plan is a strategic choice for those prioritizing lower monthly contributions.
Higher Initial Share Amount: If you are willing accept a higher initial out-of-pocket share amount (up to $10,000 or $15,000), you can optimize monthly savings.
Lower Monthly Contributions: Reduces regular financial commitments, making it an economical choice for budget-conscious members.
Catastrophic Strategy: Perfect for healthy people who just want to protect against an unexpected major medical expense.
JHS Community is ideal for those who are generally healthy and comfortable managing their primary healthcare costs in exchange for lower ongoing expenses.
This plan lowers your cost while still sharing for large hospital and surgery bills.
4.) netWell Healthshare: Best Comprehensive Plan
- Doctor Visits Covered: Shares costs for primary care and specialist visits, making routine care more affordable.
- Preventive Care: Covers preventive services to catch health issues early and promote long-term wellness.
- Extensive Surgery and Hospitalization Sharing: Provides strong financial support for surgeries and hospital stays with high sharing limits.
5.) DPC Direct: Best Match for DPC Members
DPC Direct is specially crafted for members of Direct Primary Care (DPC), offering tailored health sharing benefits that complement DPC memberships seamlessly.
This plan focuses on enhancing the DPC experience with extended healthcare support.
Optimized for DPC Members: Integrates perfectly with Direct Primary Care, sharing aspects of healthcare outside the scope of DPC services.
Additional Medical Sharing: Provides sharing for medical needs that are not covered under typical DPC agreements, such as specialist care and hospital visits.
Cost-Effective Contributions: Designed to keep monthly contributions low, complementing the affordability of DPC memberships.
DPC Direct is ideal for those already enjoying the benefits of Direct Primary Care and looking for a health sharing plan that aligns with the DPC philosophy, offering broader healthcare protection without redundant costs.
Remember: You Can Enroll in a Low-Cost Healthshare Plan for 2025 at Any Time
Unlike traditional health insurance, healthcare sharing plans have no enrollment periods. If you need to find a plan for 2025, contact us to be paired with your own Personal Benefits Manager. With a fast, no-cost consultation, we can pair you with the plan that best fits your needs, and get you signed up fast.
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For Further Reading:
- Best Healthshare Plans Comparison Guide 2025
- 6 Interesting Facts About Health Sharing Plans
- All You Need To Know About Healthshare Plans
- How Smart Consumers are Opting Out of Obamacare and Slashing Their Costs by Joining Healthshare Programs
- Best Healthshare Plans for Maternity – Health Sharing Plans for Childbirth and Beyond
- The Best Catastrophic-Only Health Share Plan on the Market in 2024: JHS Community’s DIVINE Plan
