Aliera Health Plans: Health Care Sharing Ministry that Offers Affordable Medical Coverage

by | Aug 3, 2018 | Health Insurance, Healthshare | 0 comments

Please note that HSA for America no longer represents or recommends Aliera health plans. Instead, we recommend that you check out OneShare Health.

You can also check out our Best Healthshare Plans Comparison Guide 2025 for the most up to date information on Healthshare plans.

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Aliera Health Plans

Health care sharing plans have been on the rise in recent years due to unaffordable insurance premiums and deductibles, as well as the individual mandate that levies a fine to anyone who goes without insurance for more than three months. It’s no wonder that people are forgoing traditional insurance and turning to healthshare plans instead.

Health care sharing plans—also called healthshare ministries and healthcare sharing ministries, among other names—are organizations that facilitate the sharing of medical expenses between members. Instead of paying monthly premiums, members pay a monthly fee, and the collective money is used to pay for qualifying medical expenses.

In this blog, I’ll be discussing Aliera Health, one of the most popular health care sharing plans, and the benefits you’d receive as a member.

Aliera Health Plans

Aliera has two main plans: AlieraCare 5000 Premium plan and the Unity Healthshare Gold plan. With both plans, members have their choice of doctors, can enroll any time (a huge difference from Obamacare that has strict enrollment dates), and are exempt from the individuals mandate. Most doctors accept these plans.

The AlieraCare 5000 Premium plan
Immediately:
  • $20 per primary practice doctor visit
  • $75 per specialist visit
  • $300 per emergency room visit
After 2 months:
  • Surgeries (in- and outpatient) and hospitalizations covered
After 9 months:
  • Free annual visits
After 10 months:
  • $5,000 a year toward normal maternity fees
After 24 months (2 years):
  • Pre-existing conditions covered
For both, there is a one-time application fee of $125. These plans are not available in Alaska, Hawaii, Maine, Maryland, Puerto Rico, Washington and Wyoming.

Aliera care has a member’s shared responsibility amount (MSRA) of $5,000—your maximum out-of-pocket costs. The amount is similar to a deductible but not a deductible. The lifetime cap for this plan is $1,000,000. So, if you think you’ll need more coverage than that over a lifetime, perhaps consider a different plan.

Here’s what you can expect to pay:

Aliera Health Plan Premium

The Unity HealthShare Gold plan
The AlieraCare 5000 plan is less expensive, but the Unity HealthShare Gold plan offers more coverage, particularly for pre-existing conditions. Members can choice an MSRA of $1,000 or $2,500 with an annual out-of-pocket cost of $3,000 or $7,5000. Higher out-of-pocket options are available.
Immediately:
  • Pre-existing conditions covered
    • Will pay up to $20,000 for the first two years after members pay twice the MSRA
  • $20 per primary care doctor visit
  • $75 per specialist visit
  • $150 per emergency room visit
  • $75 per urgent care visit
After 9 months:
  • Preventative care visits covered
The lifetime cap is $1,000,000 with no per-year limit. After meeting the MSRA, pay 20% of hospital visits.

Here’s what you can expect to pay:

Aliera Health Plan Unity Gold

Want to know more?

Call our customer service at 800-913-0172 and/or talk with your trusted Personal Benefits Manager (PBM) for more information.

Here are some additional articles on healthsharing programs: Why Are People Increasingly Switching to Healthshare Plans? | Prescription Medicine Under Healthshare Plans

Here are some additional pages related to this article: More detailed Healthshare information | Blue Cross Blue Shield of Ohio