Find the Best Healthshare Plans for You
An affordable, legal way to opt out of the Affordable Care Act (ACA) and cover your qualified medical needs.
By Wiley Long III, President – HSA for America
Reviewed by Leslie Jablonski – Fact checked by Mike Montes – Updated April 17th, 2025
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All You Need To Know About Healthshare Plans
Healthshare plans are not health insurance policies. They are voluntary associations of people who agree to share medical expenses, with particular advantages over health insurance.
Nearly 2 million people nationwide are members of health sharing plans.
Pay Monthly Contributions vs. Monthly Premiums
Health care sharing memberships, or Medical Sharing plans, do not have “premiums”, but rather “contribution amounts”.
Payments Half or Less than Traditional Health Insurance
Numerous factors make health sharing much less expensive than unsubsidized health insurance. This includes a much healthier membership base and less onerous regulation.
Special Requirements & Conditions
Health care sharing programs typically have a waiting period before they will share for pre-existing conditions. As such, they will not be the best option for everyone.
Everything You Need to Know About Healthshare Plans
Free Healthshare PDF Download
Find out exactly how smart consumers are opting out of Obamacare and slashing their healthcare costs. Joining healthshare programs offers the freedom you’ve been wanting. See the full details in our latest report.
Choosing the Right Best Healthshare Plan for You
There are countless health sharing plans designed for different patients. Browse options below to discover the best healthshare plans for you and your family:
Click the tables to view full screen!
This is only an overview—for complete details, please review the summary of benefits linked from each healthshare page.
Choose Based on Your Unique Needs & Priorities
If you’re interested in…
Tax Benefits of an HSA
First-Dollar Doctor Visits & Preventive Care
If you are interested in a more comprehensive plan, we invite you to compare our preventative care plans. Options are available from netWell Healthshare, OneShare Health, and Prosper and include first-dollar doctor visits and preventative care.
Low-Cost Catastrophic Focused Plan
If you want a low-cost catastrophic-focused plan, be sure to look at JHS Community. This plan has a high initial out-of-pocket exposure but generally offers a lower cost for some patients.
Stronger Christian Philosophy
If you are interested in a plan that has a stronger Christian philosophy, take a close look at Medi-Share.
Programs with No Religious Component
If you want a program with no religious affiliation, you can sign up for HSA Secure, Care+, or Sedera.
Small Group Options
If you have a small group that you need a plan for, 1Complete Solution is a popular comprehensive program.
Find the perfect healthshare plan for your medical needs today with HSA for America.
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Frequently Asked Questions About Health Care Cost Sharing Plans
Learn about the potential of healthcare sharing in our answers to common healthshare insurance customer questions.
Q: What is a health share plan?
A: Healthshare plans are a low-cost alternative to traditional health insurance. While not technically insurance, healthshare plans allow members to protect themselves against large or unexpected medical costs. In most cases, healthshare plans are more affordable than unsubsidized ACA health insurance plans..
Q: Is healthshare an insurance policy?
A: Healthshare plans differ from insurance in many ways.
Chiefly, they are not governed by the statutes that traditional health insurance in the United States must adhere to. Because these healthshare plans are akin to private coverage, they are not regulated. This makes them much more free to craft individualized and unique coverage policy types for members.
Members have access to a fund when needed for medical expenses and other healthcare needs. And members can use their pool for qualified medical services, just like insurance. However, billing, pooling, and more are what make these policies distinct.
Q: Is medical sharing the same as a healthshare plan?
A: There are many names for health sharing, including:
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. As your personal responsibility, this fee must be paid in full before medical bills can be shared. Different healthshare organizations may use different terms for this amount.
- Medical cost sharing
- Health care cost sharing
- Healthshare plans
- Health care sharing ministry
- Christian health insurance
Because health sharing organizations are not regulated like traditional insurance, options abound. The specific terms and definitions will vary depending on which healthshare plan you go with. But in most cases, healthcare sharing is a smart choice. It is a great option for patients looking for coverages outside of the traditional health insurance industry.
Q: How do healthshares plans work?
A: 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 are inherently communal. They 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. Different healthshare organizations may use different terms for this amount.
Q: Are healthshare plans just for Christians?
A: In the beginning, health sharing plans were only offered by Health Care Sharing Ministries. These faith-based organizations were looking for a way to allow their members to share the cost of medical expenses. Plans were designed around fulfilling the biblical principles of community, charity, and caring for the less fortunate.
Today, however, medical sharing plans are available to almost everyone. While some healthshare plans do have a Christian religious component, there are plenty of non-Christian plans.
There are also countless plans that do not have a religious component at all. One of the chief benefits of plans like these is breadth of options. What is a healthshare plan, after all, but an offering of grace for a specific segment of the community?
Q: How much does healthshare cost?
A: In many cases, a good healthshare plan can be as little as 50% of the cost of unsubsidized insurance. But like insurance plans, most healthshare companies let their members choose from a range of monthly costs and coverage options.
We recommend would-be customers compare the healthshare cost to prospective costs under a traditional insurance policy. You’re likely to find that savings abound for a variety of cases.
Q: Is health sharing legal?
A: Healthshare plans are 100% legal, which has made them the single most popular alternative to traditional health insurance.
However, healthshare organizations are not regulated on the federal level the way that insurance companies are. This is part of the reason why they are more affordable. However, it also means that there is no federal guarantee that your medical expenses will be shared.
Q: Do healthshare plans cover pre-existing conditions or preventive care?
A: Healthshare plans are not required to share medical costs of pre-existing conditions or preventive care. However, most plans make sharing available for pre-existing conditions after a waiting period of 1 or 2 years. This predetermined period is often noted in plan documentation, where applicable.
Recently, more and more health care sharing organizations are making preventive services available to their members. If you’re looking for a more comprehensive healthshare plan with these benefits, talk to your Personal Benefits Manager.
Q: Who is eligible for sharing?
A: All customers covered under a healthshare plan are eligible for sharing the pool. All you need to get access is to enroll you and your loved ones.
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.
D. Nelson
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 medical cost sharing plan 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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