Find the Best Healthshare Plans
An affordable, legal way to opt out of Obamacare 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, including a much healthier membership base and less onerous regulation, makes health sharing much less expensive than unsubsidized health insurance.
Special Requirements & Conditions
Health care sharing programs typically have a waiting period before they will share for pre-existing conditions, so 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 costs by joining healthshare programs in our latest report.
Choosing the Right Best Healthshare Plan for You
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
If you are interested in the tax benefits of an HSA, look at the HSA Secure, or consider adding the HSA MEC to any other healthshare.
First-Dollar Doctor Visits & Preventive Care
If you are interested in a more comprehensive plan that includes first-dollar doctor visits and preventive care, compare plans from netWell Healthshare, OneShare Health, and Prosper.
Low-Cost Catastrophic Focused Plan
If you want a low-cost catastrophic-focused plan, and don’t mind a high initial out-of-pocket exposure, be sure to look at JHS Community.
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
[Health Share FAQ]
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 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 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, the specific terms and definitions will vary depending on who you go with.
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 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.
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, thus 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-denominational plans and plans that do not have a religious component.
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, but it also means that there is no federal guarantee that your medical expenses will be shared.
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.
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 predetermined waiting period of 1 or 2 years.
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.
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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