Best Healthshare Plans in Alabama

Finding affordable individual and family health insurance in Alabama can feel like an uphill battle.

With Blue Cross Blue Shield dominating most of the state and limited competition from providers like Bright Health, residents often face high premiums and few options.

Fortunately, you’re not stuck with traditional health insurance.

Healthshare plans offer a flexible, cost-effective alternative that lets you choose your own doctor, avoid restrictive networks, and protect your family from unexpected medical expenses — all while saving thousands of dollars a year.

In this post, we’ll explore the best Healthshare plans in Alabama and help you find the one that fits your needs.

Best Healthshare Plans in Alabama

With one major insurer dominating Alabama’s market, residents face limited choices and rising premiums.

This lack of competition hits hardest for those who don’t qualify for an Obamacare subsidy.

While subsidized policyholders have their costs covered, unsubsidized individuals end up paying higher premiums to make up the difference.

If you’re in that situation, you’re not out of options.

Healthshare plans offer an alternative to traditional health insurance. They give you the freedom to choose your own doctor, avoid restrictive HMO networks, and protect your family from unexpected medical expenses — all while keeping more money in your pocket.

Health sharing can significantly reduce your healthcare costs, often saving you thousands of dollars each year.

What is Health Sharing?

Healthshare plans are a low-cost alternative to traditional health insurance approaches.

While not technically insurance, healthshare plans allow members to protect themselves against large or unexpected medical costs.

Health sharing is a proven strategy that allows patients to save as much as 40 or 50% off of current unsubsidized premiums under the Affordable Care Act, or other health insurance plans available in the individual market.

That translates to thousands of dollars in annual savings for a typical family, compared to unsubsidized ACA-qualified health insurance plans.

How Does Health Sharing Work?

With health sharing plans, members make a monthly contribution towards a shared “pool” of resources.

When a member incurs a qualified medical expense, they can be reimbursed from this pool. In other words, healthshare plans make it possible to share the cost of medical expenses with other members of your church or community.

Like traditional health insurance, healthshare plans come with a monthly fee. Most plans also have an Individual Sharing Amount (ISA) that must be paid by the member before medical bills can be shared. Different healthshare organizations may use different terms for this amount.

Do I have to be a Christian to join a Health Share Plan?

Many health sharing organizations are affiliated with religious traditions, though most don’t require you to be a member of any specific religious institution.

You will normally have to affirm the organization’s statement of faith, belief, or ethics in order to join.

However, in today’s market, there are plenty of health sharing options available to anyone, whether overtly religious or not.

Compare Pricing on the Best HealthShare Plans Available

The Best Healthshare Plans in Alabama

Here are the best, most highly-rated health sharing plans currently available in Alabama.

Best Alabama Healthshare Plans for Special Circumstances

No healthshare plan is an ideal one-size-fits-all solution. They all involve trade offs. The best overall plan may not be the best plan for people in particular circumstances or with specific health care needs.

Here, we take a look at the best health share plans available in Alabama for people with special circumstances: Tobacco use, maternity, pre-existing conditions, health savings account fans, and direct primary care plan users.

Best Alabama Healthshare Plan for Pre-existing Conditions: Christian Health Share Ministries (Gold level and above)

This health sharing organization is one of the only ministries in the market that will consider sharing expenses for pre-existing conditions during the first year of membership.

Only members of the Gold tier and above qualify.

Bills incurred in the first year of membership for the first year of membership are sharable up to $15,000.

In the second year, bills related to pre-existing conditions are shareable up to a cumulative $25,000 ($15,000 for year one, and another $10,000 during year two.)

During the third year, bills related to pre-existing conditions are shareable up to a cumulative $50,000 total ($15,000 for the first year, $10,000 for year two, and another $25,000 during year three.

After the third year of membership, the condition is no longer considered pre-existing, and is eligible for sharing along with all other eligible medical expenses.

Best Healthshare Plans in Alabama for Smokers: netWell

netWell Is one of a handful of health sharing options that accepts smokers, though tobacco users must contribute an additional $40 per month compared to other non-smoking members in the same plan.

The $40 per month additional contribution is lower than some other organizations, and smokers qualify for the full $1 million lifetime limit on health sharing benefits. 

In contrast, other health share companies, including our runner-up for the Best Healthshare Option for Smokers category, limit their sharing to $50,000 for tobacco users age 50 and older.

The downside: Pre-existing pregnancy is a disqualifying condition for new members. 

Runner-up – Best Healthshare Plan in Alabama for Smokers: HSA Secure

HSA Secure 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:

For cost-sensitive smokers who are under 50, however, HSA Secure Health may be a solid choice.

Best Healthshare Plans in Alabama for Maternity/Pregnancy: HSA Secure

In our view, the best health sharing plan for soon-to-be mothers in Alabama is HSA Secure. The reason: There is no cap on sharing benefits. So if your pregnancy has complications, or your baby needs time in the neonatal ICU, you can be confident that HSA Secure will be there for you.

It doesn’t have the lowest out-of-pocket maximum. In fact, you’ll be on the hook for double your initial unshared amount (IUA) before the plan’s maternity benefits will kick in.

But you can plan for a $20,000 event. You can take an extra job and deal with it. There’s no recovering from a $400,000 NICU stay or an extended hospitalization for either the mother or the child. HSA Secure has by far the best plan for catastrophic maternity events.

We also like Medi-Share, which has a $125,000 limit on sharing, which is more than enough for the vast majority of pregnancies. Member responsibility is capped at $12,000, with some plans as low as $3,000, before plan maternity benefits kick in.

The OneShare Health Maternity plan is also good, with a $5,000 sharing benefit for normal pregnancies, $8,000 for C-sections, and $50,000 for pregnancies with health-threatening complications. Member out-of-pocket responsibility is capped at $5,000.

You should also consider waiting periods, too. Health share plans typically won’t cover maternity benefits right away. There’s a waiting period for new members, which can range from 90 days to months. 

Best Healthshare Plan in Alabama for Health Savings Accounts: HSA Secure

The best health share organization in Alabama for fans of health savings accounts (HSAs), hands down, is HSA Secure. In fact, HSA Secure is the only large health sharing organization in America that has fielded a health sharing plan specifically designed to provide the minimum essential coverage under the Affordable Care Act. 

This qualifies it technically as a High Deductible Health Plan (HDHP), and therefore allows members to make contributions to a health savings account.

Best Alabama Health Share Plan for Direct Primary Care: DPC Direct

Direct primary care plans, or DPC plans, have exploded in popularity in recent years. With DPC, you don’t use insurance at all to access routine care from your primary care doctor.

Instead, you pay a monthly flat subscription fee – similar to a health club membership – that allows access to as many primary care visits as you and your covered family members need.

There are no out of pocket costs for primary care visits and routine and preventive services. Everything is included in that one predictable monthly fee.

DPC doctors don’t even take insurance patients. Insurance forces them to take on massive administrative overhead that provides no value to patients. With the reduced overhead, DPC doctors can take on a much reduced patient load, and can spend more time with each patient.

DPC plans have no restrictions on pre-existing conditions. Waiting times for an appointment are much shorter than with insurance-based practices, and same-day and next-day appointments are routinely available.

As a result, patients tend to enjoy a superior health care experience with DPC plans.

HSA Secure has rolled out a health sharing plan, DPC Direct, that is specifically designed to dovetail with direct primary care, without the member paying twice for benefits. 

How To Choose an Alabama Health Sharing Plan

When it comes to health sharing, Alabama residents have more options than they do with traditional ACA-qualified insurance plans.

Since regulations in the state are generally friendly toward health sharing, most major healthshare organizations operate here.

To choose the right health sharing plan, start by identifying your priorities:

Lastly, review any waiting periods for procedures like surgeries or cancer treatments. Some healthshare plans limit coverage for new members in these cases.

Ready to Find Your Plan?

Choosing the right healthshare plan doesn’t have to be complicated.

With the right plan, you can enjoy flexibility, affordability, and peace of mind for your family’s healthcare needs. If you’re unsure which plan best fits your situation, schedule a time to chat, and we’ll help you find the perfect match!

For Further Reading:

• Why Are Insurance Agents Enrolling More People in Medical Cost Sharing Plans? 
• Is Health Sharing Tax Deductible? – Updated for 2025
• All You Need To Know About Healthshare Plans 
• Answers to the Most Frequently asked Questions about Health Sharing Plans and Health Care Sharing Ministries (HCSMs)