Health Sharing Programs are emerging as one of the most effective and flexible alternatives to health insurance. As a resource for anyone who is thinking about making the switch to health sharing, we’ve put together a side-by-side comparison of some of the best healthshare plans available.

Best Healthshare Plans Comparison Guide of 2021-2022

What are the Best Health Sharing Plans in America?

The nine health care sharing programs that we review below (Altrua, Mpowering, Trinity, Medi-Share, Liberty, Samaritan, United Refuah, Covenant, & OneShare) represent the plans that are both popular with our clients and recommended by our in-house healthshare experts.

At the end, we’ll reveal our top pick for the most affordable alternative to health insurance.

Health Sharing Plans Comparison:

Best Overall Healthshare Plan: OneShare Health

With low contribution amounts, 24/7 telemedicine, and 100% shared preventative care, OneShare health is perhaps the best all-around performer when it comes to health care cost sharing programs.

Pre-Existing Conditions: Some limitations
Contribution Amounts: $115 – $450
Provider Networks: Uses Multiplan/PHCS Network
Statement of Faith: Must sign a ‘light’ statement of faith
HSA Option: NONE
Perks: Dental discount; diabetic care and supplies; lab discount, telemedicine

MPowering Benefits

This HSA-qualified health care sharing plan allows consumers to take personal ownership of their health. They also let members use whatever health provider they want while not paying as much as with ACA.
Pre-Existing Conditions: Accepted
Contribution Amounts: $225 – $685
Provider Networks: Any doctor or hospital
Statement of Faith: Not required
HSA Option: YES
Perks: Mental health counseling included

Altrua Healthshare

With three different membership levels (Gold, Silver, & Bronze) and a hyper-simple signup process, Altrua is one of the easiest ways to switch to health sharing.
Pre-Existing Conditions: Two to Five year waiting period
Provider Networks: MultiPlan Practitioner Only PPO
Statement of Faith: Must sign a statement of standards
HSA Option: None
Perks: $2,000,000 lifetime maximum; telemedicine; counseling

Trinity Healthshare

The big strength of Trinity HealthShare is the number of different plans that are available. Basic coverage plans are only the beginning, with supplemental plans for RX and dental also available.
Pre-Existing Conditions: Will not disqualify you
Average Contribution Amounts: $142 – $490
Provider Networks: PPO
Statement of Faith: Must sign a statement of beliefs
HSA Option: NONE
Perks: Offers interim and catastrophic plans; RX and dental


Medi-share has a strongly worded faith statement, and reserves the right to check with your minister to make sure you regularly attend church.
Pre-Existing Conditions: Considered, but not guaranteed to be accepted
Contribution Amounts: $135 – $470
Provider Networks: PHCS network
Statement of Faith: Must sign (and possibly have verified) a statement of faith
HSA Option: NONE
Perks: Telemedicine; dental, vision and RX savings


The most common feedback we receive about Liberty is that their support staff is prompt, attentive and friendly, three things you might never see from an insurance company.
Pre-Existing Conditions: Yes; limited to three (3) years of assistance
Contribution Amounts: $199 – $675
Provider Networks: PHCS
Statement of Faith: Must agree to a set of 5 core values
HSA Option: NONE
Perks: Discounts on pharmacy, vision, hearing, and chiropractic costs


Individuals who attend church regularly should consider Samaritan. They can boast over 64,000 member households, which adds up to about $23 million per month that is eligible for sharing.
Pre-Existing Conditions: Not eligible for regular sharing
Contribution Amounts: $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

United Refuah Healthshare

The first Jewish Health Sharing Organization, established with a mission to provide affordable, flexible reimbursement options with Torah values.
Pre-Existing Conditions: Eligible after 1 year of membership, with a $25,000 share cap in years 2 and 3.
Contribution Amounts: $200 – $520
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

Covenant Healthshare

Covenant HealthShare is one of the only healthcare sharing options that allows for the sharing of both routine primary care visits and preventative care services. Covenant HealthShare is also the first and only African American operated and led HCSM in the country. 

Pre-Existing Conditions: Restricted; Varies by membership level share cap in years 2 and 3.
Contribution Amounts: $190 – $240
Provider Networks: PHCS
Statement of Faith: Must agree to the Covenant Seven Statements of Faith; No church attendance required
HSA Option: NONE
Perks: Includes sharing for both routine primary care visits and certain preventive care services

netWell Healthshare

NetWell offers three different membership levels. Advantage is the catastrophic options, with a monthly contribution cost of $195 a month, providing protection for ER visits, hospitalization, in/outpatient surgery, and lab costs. Superior offers primary care protection, without the ER and hospitalization. The Elite + is the most popular plan, offering cost sharing for both primary care and emergency care.
Pre-Existing Conditions: 24 month waiting period for pre-existing conditions. Certain more serious conditions may have a 2-year or 4-year waiting period, or a lifetime exclusion on related hospitalizations and surgeries.
Contribution Amounts: $144 – $269
Provider Networks: Choose any doctor you wish. Discounts are available with netWell’s exclusive provider network.
Statement of Faith: Members must sign a Statement of Religious and Ethical Beliefs including belief in God, the Bible, the Power of Prayer, and the moral responsibility to share each other’s burdens.
HSA Option: Not available
Perks: The Elite + membership comes with a large suite of discount services, including dental, vision and LASIK, diabetic supplies, gym memberships, and lot more.

Q – What is a Health Sharing Program?

One of the reasons that health sharing programs are so affordable is because they are not technically insurance, which makes them unbound by the strict (& expensive) regulations of the Affordable Care Act.

By paying a monthly ‘contribution’ to a Health Care Sharing Ministry, members can receive affordable coverage at about half the cost of an ACA insurance plan.

However, health sharing is not for everyone. Many of them have restrictions on pre-existing conditions, for example, and a statement of faith is required in many cases.

The best plan for your needs will depend on your age, zip code, smoking status, and whether you choose a healthshare that only shares on catastrophic expenses, or a more comprehensive program. 

Compare Pricing on the Best Healthshare Plans Available

Q – Healthshare Plans vs. Insurance: What is the Difference?

Because health sharing plans are not the same as health insurance, the rules are a bit different. Here are some of the primary differences between health share plans and health insurance that you need to be aware of:

  • Health share plans are not required to cover the same minimum essential benefits as ACA health insurance plans. This makes them more affordable, but less comprehensive than traditional insurance.
  • Health sharing organizations can make their own rules on what medical costs are shared and how the money is distributed. Every health sharing plan is a little bit different in how it works.
  • Many health share plans have restrictions or waiting periods for pre-existing conditions. You might need to pay into the plan for 1 or more years before certain medical costs are shared.
  • Health care cost sharing is usually about half the cost of unsubsidized health insurance.  This has encouraged hundreds of thousands of Americans to make the switch in recent years.

Learn More About Healthshare Plans

At about half the cost, it is no surprise that millions of Americans have already ditched their insurance. Switching to a health care sharing program can be an ideal way to save money on monthly health care costs.

However, not every plan is right for every person. Choosing the wrong plan can lead to unexpected coverage gaps that might end up costing you in the end. Picking the best health sharing plan, on the other hand, can end up saving you thousands of dollars a year on monthly health care costs.

If you are interested in learning more about health care sharing, or are curious whether you are currently signed up for the best plan, give us a call. You can also click over to our website and get a healthshare instant quote to review your options.  

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Here are some additional articles on healthsharing programs: What is Christian Health Insurance? | Do Health Sharing Plans Work for Businesses?

Here are some additional pages related to this article: Healthshare Plans | Healthshare FAQ | Zion Health – Low-Cost Zion Healthshare Plans Built for Health Savings Accounts (HSAs) and Direct Primary Care (DPC)