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All You Need To Know About Healthshare Plans
These are Not a Health Insurance Policies
Because these programs are not insurance, they do not fall under state and federal regulations governing health insurance.
Members of HCSMs pay a monthly contribution which goes into an escrow account, and it is that money that is used to pay qualified medical needs.
This video will give you a complete overview of healthshare programs (also known as medical cost-sharing programs) and how they work.
Health Sharing Plans Considerably More Affordable
Health care sharing memberships, or Medical Sharing plans, do not have “premiums”, but rather “contribution amounts”. Typically, these amounts are half or less the cost of an unsubsidized health insurance policy.
There are several reasons for this. The first is that because health care sharing programs typically limit how much they will share on pre-existing conditions the first couple years. the people joining health share programs are also, on average, much healthier than those buying health insurance.
Health care sharing programs are also not required to cover birth control, preventive care, and many of the other “essential benefits” required under the Affordable Care Act.
Special Requirements and Conditions
Unlike health insurance plans, health care sharing programs are not required to share in pre- existing conditions. In most cases, there will be at least a two year period before pre-existing conditions are fully eligible for sharing.
Some healthshare plans have unlimited lifetime sharing, but most have a lifetime limit of $1,000,000 in cost sharing, and some basic plans have even lower limits.
Because health care sharing programs are offered by faith-based groups, they also often have additional rules and restrictions. Some do not accept smokers, most do not share on expenses for drug rehabilitation, and some require that you attend church regularly.
They also all have a statement of beliefs that you must sign. Some are Christian-based, while other health care sharing plans are non-religious.
Please read the details thoroughly, so you understand any restrictions on the program you choose.
Available Healthshare Plans
You can apply online, or contact us for free expert assistance.
We’ve also answered the frequently asked questions about health care sharing programs on our Healthshare FAQ page. If you’d like even more detailed information, request a copy of our free special report, How Smart Consumers are Opting Out of Obamacare and Slashing Their Costs by Joining Healthshare Programs.
Our Customers Have a Lot to Say
We’ve helped over 16 thousand people find health insurance or a health sharing plan – each customer gets the same amazing service.
I am glad to have found something that works with my budget, which I was very concerned about with the marketplace.
In my state, there is only 1 provider left, and they were asking for an astronomical increase in premium that I was afraid I would not be able to afford and still pay my bills. It’s not good to be the only game in town, because without competition they can charge whatever they want without caring about the people they are supposed to be serving, so again, thank you for giving me an option called healthshare programs.
I am very pleased with information and options I could discuss with Justin.
My wife and I were facing premiums with Florida Blue that were increasing to $22,000 this next year. With the healthshare plans we chose, we are saving over $9000!!! The healthcare sharing plan covers us on travel which is huge for us. You are running a great service providing options for healthcare.
J. White MD
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