Best Healthshare Plans Comparison Guide 2025

Pre-existing conditions: Prosper has a 1-to-3-year phased-in waiting period before costs to treat pre-existing conditions become shareable.

However, Prosper also has a review process for waiving the pre-existing waiting period:

If you can show that 1.) your condition hasn’t been treated nor required treatment, 2.) and there is no anticipated or prescribed need for future treatment, 3.) there are no harmful symptoms, and 4.) there has been no deterioration of your condition for four years prior to enrolling, Prosper may waive the waiting period, and treat your condition as non-pre existing.

MRA Options: $5,000, $7,500, or $10,000 per household member. This is the amount plan members must pay out of pocket before the plan will start sharing costs. 

However, Prosper recently made visits for Primary Care, Urgent Care, and Specialty Care eligible for sharing, regardless of whether your Non-Sharable Amount (NSA) has been met. This includes any charges for tests or procedures, such as blood tests, ultrasounds, or other preventive screenings, ordered by your provider during the visit.

This is a major advantage over most other health sharing plans, and should help make these vital health services much more accessible for people on a budget.

There is a maximum of 12 primary, urgent care, or specialist care visits per year, in any combination, however.

Maternity Sharing Limits:

Network: None for hospitals and ambulatory surgical centers; Multiplan PHCS for individual doctors, including over 700,000 providers nationwide.

Sharing limit: $500,000 per medical incident. $1 million per year per member.

HSA Compatible?: Yes, for groups of more than two, with HSA MEC. Contact a Personal Benefits Manager to learn how to combine this health sharing plan with HSA contributions.

Not available in: Alaska, Hawaii, Illinois, Maine, Maryland, New Hampshire, Pennsylvania, Vermont, and Washington State, or U.S. Territories.)

Thus, members eligible to contribute money to a Health Savings Account (HSA), enabling the to lower their taxes while building a fund to cover future medical expenses. HSA Secure also lets members use whatever health provider they want while not paying as much as they would with an unsubsidized traditional health insurance plan under the ACA.

Pre-Existing Conditions: Accepted
Contribution Amounts [Individual]: $170 – $295
Provider Networks: Any doctor or hospital
Statement of Faith: Not required
HSA Option: YES
Perks: Only healthshare available with HSA compatibility. Alternative treatments may be shared.

This particular offering would not be a good match if you want a low member responsibility amount (which functions similarly to a health insurance deductible), and a more comprehensive health sharing plan.

Membership tiers: DISTINCT, DIVERSE, and DYNAMIC

Member Responsibility Amount: Choose from $2,500, $5,000, and $10,000 per member. MRA amount is capped at 3 members, making Jericho an attractive choice for those with large families. Your MRA does not increase with additional children.

Membership tiers:

Emergency Room Visits: $400 co-sharing per visit
Surgery and hospitalization: 90-day waiting period (other than for accidental injuries)
Maternity benefits: Shares up to $8,000 for DIVERSE  and $12,000 for DYNAMIC for single and multiple births. These tiers also share up to $40,000 in the event of life-threatening complications for the mother, subject to MRA and additional MRA (co-sharing) amounts.

The DISTINCT tier does not include maternity benefits.

Maximum annual sharing limit:

Maximum lifetime sharing limit:

• DISTINCT – $1 million 
• DIVERSE – $2 million
• DYNAMIC – $3 million

• ER/trauma services
• Hospitalization costs
• Specialist care
• Surgeries
• Imaging and lab services
• Childbirth and neonatal costs… and more.

Combining a DPC membership with DPC Direct health sharing is one of the most cost-efficient ways to handle full care, from primary to catastrophic events.

Initial Unshareable Amounts: $1,000, $2,500, or $5,000.

Pre-Existing Conditions: 2-year lookback. Phased-in eligibility from $25k to $125k after 36 months.

Statement of Faith: None required — open to all medically qualified applicants.

Care Network: None — members can use any provider.

Prescription Drugs: Optional RX Share discounts. Generic meds from $5.

Mental Health: Access to counseling, grief, elder care, teen support, and more.

Maternity Benefits: Membership must start before conception.

Alternative Medicine: Network with 35,000+ providers and holistic care.

Smokers: Allowed with $50/month surcharge. Limited sharing on related conditions.

Maximum Sharing: No limit.

Member Contributions: Starting at $190/month based on age and sex.

Learn More About DPC

Pre-Existing Conditions: Not eligible for regular sharing
Contribution Amounts [Individual]: $200 – $495
Provider Networks: PHCS
Statement of Faith: Strict; must attend church regularly
HSA Option: Unknown
Perks: $250,000 maternity limit; 120-day supply of medication is shareable

Provider Networks: No provider network restrictions, and no out-of-network penalties.

Statement of Faith: Secular. There is no religious component to Sedera’s Statement of Ethics and Principles.

Lifetime maximum: There is no annual maximum dollar amount or lifetime maximum limits per Member, though certain dollar amounts and/or visit limits apply to specific types of medical care and therapies. Sharing is only limited by the amount available for sharing by the Community.  

HSA Option: Not available.

Maternity Benefits:

SELECT+ (available to groups only) will share maternity if the pregnancy begins after their 1st day of membership. Subject to their IUA x2.

ACCESS+ will share maternity ONLY when the “expected due date” is at least 1 year after the membership start date. Subject to a $5,000 IUA.

Perks:

• Group/business plan fully supports list billing. 
• Telehealth services for basic healthcare needs. 
• Expert second opinions.
• Wellness support. 
• Educational resources. 

Pre-Existing Conditions: Eligible after 1 year of membership, with a $25,000 share cap in years 2 and 3.
Contribution Amounts [Individual]: $209 ($199 with direct bank debit program)
Provider Networks: Open (No network limitations)
Statement of Faith: Strict; must attend synagogue regularly
HSA Option: NONE
Perks: Open-network means you can choose any doctor or hospital; 24/7 tele-medicine practitioners are not subject to PreShare amounts