For more and more people, Health Sharing Plans are reducing the cost of healthcare. But for people who smoke cigarettes, healthshare plans were more expensive, or simply not available at all.
Today, healthshare plans for smokers are readily available. This gives smokers equal access to low-cost medical sharing programs, sometimes with only a few stipulations and fees.
What follows is an examination of the best health sharing plans for smokers. But if you’re already prepared to make the switch, you can click here to run a free quote.
What is Health Sharing?
Healthcare Cost Sharing, or just “HealthShare”, is a low-cost alternative to health insurance. These programs are provided by private, non-profit organizations. By sharing the cost of medical care amongst a group of like minded individuals, healthcare plans can be more than half the cost of unsubsidized insurance.
New to Healthcare Cost Sharing? Click here for a more detailed introduction.
Are Healthshare Plans Available for Smokers?
Yes, people who use tobacco can still enroll in a health sharing plan. However, all health care sharing ministries (HCSMs) are different in how they handle smokers. Some programs require a higher monthly contribution if you’re a regular tobacco user.
Some HSCMs will not grant membership at all to people who smoke. In addition, even if smokers are allowed to join, there could be sharing limitations for certain things like heart disease and cancer.
If you smoke cigarettes and are thinking of switching to health sharing, it’s important to read the member guidelines first to see what the rules are.
Compare Pricing on the Best Healthshare Plans Available
Covenant HealthShare: The Beat Healthshare Plan for Smokers
Descended from the largest Pentecostal church in the country, Covenant HealthShare provides a number of medical cost sharing programs to choose from. Covenant accepts tobacco users of all kinds, but asks that they contribute an additional $50 per month.
Covenant is a faith-based program that asks its members to sign a Statement of Faith, based in the Christian religion.
MPB Health: Another Low-Cost Healthcare Option for Smokers
MPB Health is another healthcare sharing program that accepts tobacco users. Like Covenant, MPB requires all its tobacco-using members to contribute an additional $50 per month.
For members who use tobacco and are 50 years of age or more, there will be additional sharing restrictions. According to the member guidelines, smokers of this age will only qualify for $50,000 worth of sharing for the following conditions:
- Heart conditions
- Certain pulmonary diseases
Can Healthshare Members Use Vape Products or Chewing Tobacco?
Most health sharing programs have a similar definition of “tobacco use” presented in the member guidelines. They include cigarettes, chewing tobacco, pipe tobacco, and all manner of vape products.
Is Healthcare Sharing the Best Type of Healthcare for Smokers?
There is no way around it: Using tobacco regularly increases your chances of both heart disease and cancer. If you’re really looking to save money on healthcare, then the best option is to quit smoking. Not only will you be able to save $50/month on healthshare, but you will be spending a lot less down the line by staying healthy.
Do You Need Help Quitting Tobacco?
Here are some resources to help you get started:
- Cancer.Gov’s free LiveHelp online chat support
- “How to Quit Smoking” by the American Lung Association
Have Questions About Healthshare Plans for Smokers?
For the most accurate and up-to-date information, consult your program’s member guidelines. These can be easily found on the organization’s website, and usually have a search field where you can enter “Smoking”.
If you have more general questions about healthshare plans, or if you’re ready to enroll, give us a call at 800-913-0172.
Here are some additional articles on healthsharing programs: HealthShare Comparison Guide: Statement of Belief vs. Statement of Faith | The Best New Healthcare for Small Business: Healthshare Plans for Small Groups
Here are some additional pages related to this article: Answers to the Most Frequently asked Questions about Health Sharing Plans | How Smart Consumers are Opting Out of Obamacare and Slashing Their Costs by Joining Healthshare Programs Instead!