The HSA Healthshare
The Low-cost Healthshare Plan with HSA Tax Advantages
The HSA Healthshare is the most popular healthshare plan we offer. It pairs a high-value health sharing plan with an HSA-qualified MEC.
You get an unlimited benefit plan, excellent value, and the triple tax advantage of an HSA!
📊 18 sharing levels
↗ No age bands
📅 Enroll any day of the month
📅 For individuals, families & businesess
See The HSA Healthshare Rates for Your State
Choose your state to see your rates and enroll online in minutes, or schedule a free consultation if you would rather be guided through it.
47%
Average monthly savings our clients see versus traditional health insurance
18
Member Responsibility Amount levels to choose from
$500 to $1,000
Typical monthly reduction in what a household pays
No Age Bands
Your rate does not step up as you move into a new age bracket
Since 2004
Helping families and small businesses lower health costs
Two Parts, One Membership
Members pay a set monthly amount into a community, and that community shares one another’s eligible medical costs under published guidelines.
The Sharing Side
The community shares the large, unexpected costs: surgery, a hospital stay, specialist care, an emergency.
The MEC Side
A regulated insurance component that covers your required preventive care in network at no cost.
Your HSA
The MEC component is what qualifies you. For 2026 the IRS allows $4,400 self only and $8,750 per family, plus $1,000 more at age 55.
Important: The HSA Healthshare is not health insurance.
The sharing side of the membership is a voluntary arrangement in which members share one another’s eligible medical costs under published guidelines, and it is not regulated by state insurance departments. The MEC component included with it is a separate, regulated insurance product that handles preventive care and makes you eligible to contribute to a Health Savings Account.
How The HSA Healthshare Plan Works
Pick your level
Choose from 18 Member Responsibility Amounts, $1,500 to $10,000. You can change it later.
Enroll any day
No enrollment window to wait for. Your membership starts on the first of the following month.
Open your HSA
Fund it from day one, with the bank or administrator you choose.
Use any provider
No network. Preventive care is covered in network at no cost through the MEC side.
Choose What You Would Pay at the Time of a Need
A higher level lowers your monthly amount. A household is responsible for up to two of these in any rolling 12 month period, with maternity and pre-existing conditions as exceptions.
Choose your Member Responsibility Amount
$1,500 to $10,000, in $500 stepsMembership guidelines govern all sharing eligibility.
No other membership we have reviewed pairs this range of sharing levels with HSA qualification at this price, and that is why The HSA Healthshare is the membership we recommend most.
Ready To See The HSA Healthshare Rates?
Choose your state to see your rates and enroll online in minutes. If you would rather talk it through first, a Personal Benefits Manager can go through your options with you at no cost and with no obligation.
Or call us directly: 800-913-0172
Sharing for Pre-existing Conditions Opens Over Time
The community shares costs related to a pre-existing condition up to the limits below, and from year five there is no limit at all.
- Year 1 $5,000
- Year 2 $30,000
- Year 3 $75,000
- Year 4 $150,000
- Year 5 onward No maximum
Membership guidelines govern all sharing eligibility.
Amounts shared in earlier years may reduce what is available in later years. Ongoing management of a pre-existing condition is not shared. Membership guidelines govern all sharing eligibility.
What Every HSA Healthshare Membership Includes
Any licensed provider
No network to stay inside
Maternity shared after the first 30 days
conception must occur more than 30 days after your membership start date. Plus, a family program with six months of diapers
Congenital conditions to $125,000
Once per membership lifetime, where unknown before joining
Care abroad shared
Emergencies, plus scheduled care that costs less than in the US
100% preventive care in network
Through the MEC component, at no cost
Emergency mental health shared
Including related emergency room costs
Prescriptions to $125,000
Or 12 months of continuous medication, per request
Available to individuals, families, and businesses
Adults 18 to 64, with dependent children under 26. Employers choose how much to contribute
The HSA Healthshare Member Guidelines
Free Healthshare PDF Download
See how the sharing levels, the pre-existing schedule, and the HSA side of the membership fit together, in one short guide.
Common Questions About The HSA Healthshare
Q: Is The HSA Healthshare health insurance?
Q: How soon can my HSA Healthshare plan be effective?
A: Enrollment opens September 1, 2026. From that date, you can apply on any day of the month, including after the 20th, and your membership begins on the first of the following month. There is no enrollment window to wait for and no cutoff to miss.
Q: Are pre-existing conditions shared?
A: Yes, on a rising schedule. Sharing is capped at $5,000 in year one, $30,000 in year two, $75,000 in year three, and $150,000 in year four, with no maximum from year five. The community reviews your medical history for the twelve months before your start date, or thirty six months for cancer. Ongoing management is not shared.
Q: What if I already have a procedure scheduled?
A: Raise it before you apply. A procedure planned before the membership began is not shared, and any surgery scheduled after you join needs a medical review first. Care already underway is looked at case by case rather than ruled out.
Q: Can I open a Health Savings Account with this membership?
A: Yes. The MEC component included with the membership is HSA qualified, so you can open and fund a Health Savings Account with the bank or administrator of your choice as soon as you enroll.
Q: Can a small business offer The HSA Healthshare plan?
A: Yes. It is available to individuals, families, and businesses, and an employer decides how much to contribute toward the cost.
What Our Clients Say
We have helped over 16 thousand people find health insurance or a health sharing plan.
“I was paying way too much through my old insurance broker. HSA for America helped me find a health plan that cut my monthly premium nearly in half. It’s been a total game-changer for my budget.”
– Carlos Ramirez, Tempe, AZ
“I was skeptical at first, but after comparing options with HSA for America, I realized I could save over $1,500 a year and still keep the doctors I like. They made the whole process super easy.”
– Susan Lee, Albuquerque, NM
“Wiley Long before him have made continuing with HSA-eligible health insurance a breeze during the very confusing transition to the Affordable Care Act. You’ve saved me time and money, and continue to be a solid, easily available resource to this self-insured businessman. Please, please keep up the great work! Excellent.”
-Jay Macdonald, Clearwater, FL
” Excellent. Leslie was very helpful and pleasant to work with. I got answers to my emails very quickly. Leslie also showed me ways to save a substantial amount of money. Excellent. Very knowledgeable.”
– Rita Shepherd, Red Bluff, CA
“I can’t thank Leslie enough for her guidance. She made a complex process feel simple and stress-free. Her knowledge of HSA-compatible plans helped me save hundreds while still getting great coverage. Outstanding service!”
– Karen Miller, Fort Collins, CO
“Thanks to Mike Montes at HSA for America, I’m saving nearly $200 a month on my premiums. He showed me how to pair the right plan with an HSA to get tax savings too. That’s real money back in my pocket.”
– Allison J., Colorado Springs, CO
“As a small business owner, every dollar counts. Christine helped me lower my costs without sacrificing coverage, and the health plan option she recommended is giving me major tax advantages. Highly recommend!”
– Derek P., Reno, NV
Have More Questions?
You can see your rates and enroll online whenever you are ready. If you would rather have questions answered first, schedule a time with one of our Personal Benefits Managers. They can make sure you are on the lower cost membership that fits your household, and get you enrolled.
It is a short conversation, and you will finish it with your questions answered.
For over 20 years we have helped individuals, families, and small businesses find better healthcare at a lower cost.
Phone: 800-913-0172
Hours: Monday to Friday, 8am to 6pm MT
See The HSA Healthshare Rates for Your State
Choose your state to see your rates and enroll online in minutes, or schedule a free consultation if you would rather be guided through it.
Or call 800-913-0172
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Contact Information:
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