JHS Community
Read reviews and get instant quotes on all JHS Community Plans!
By Misty Berryman – Updated August 30, 2024
Reviewed by Christine Corsini – Fact checked by Leslie Jablonski
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All You Need To Know About JHS Community
The innovative medical cost-sharing plan offers excellent catastrophic coverage while keeping monthly out-of-pocket expenses incredibly low.
The JHS Community is a health care sharing ministry focused on providing low-cost coverage for major medical expenses.
It operates on a cost-sharing model, where members contribute monthly to help cover each other’s large healthcare costs. The plans are designed for individuals in good health who want to minimize monthly expenses and can afford higher out-of-pocket costs for catastrophic events.
Different plan tiers have varying levels of member responsibility amounts (MRAs) and coverage benefits. This program is not traditional health insurance but an alternative for those seeking major medical cost protection.
Lower Monthly Costs:
Members pay lower monthly contributions compared to traditional insurance.
Various Plan Options:
Multiple plans are available with different levels of member responsibility amounts (MRAs).
Alternative to Traditional Insurance:
Provides an alternative to conventional health insurance for those seeking it.
Major Medical Expense Coverage:
Designed to cover large, unexpected medical expenses.
Cost Sharing:
Members share costs, helping each other with medical bills.
JHS Community Membership Tiers
Each tier is structured to cater to different healthcare needs, ensuring members can choose a plan that best fits their lifestyle and medical requirements.
DIVERSE
Overview
Tailored for individuals and families seeking comprehensive medical cost-sharing options with flexibility.
Key Benefits
Access to a broad network of healthcare providers, extensive sharing of medical expenses, and wellness support programs.
Ideal For
Those who want a well-rounded plan covering a variety of medical needs.
DYNAMIC
Overview
It focuses on providing robust coverage for active individuals and families who require regular medical services and support.
Key Benefits
Enhanced support for frequent medical consultations, preventive care, and personalized health management.
Ideal For
Those with active lifestyles who need consistent access to medical care and health resources.
DISTINCT
Overview
It is designed for those prioritizing catastrophic event coverage while maintaining low monthly contributions.
Key Benefits
High coverage limits for major medical events, low monthly costs, and efficient sharing processes.
Ideal For
Individuals and families looking for financial protection against significant medical expenses without high monthly fees.
Get a Quote & Enroll in JHS Community Today
Join the hundreds of thousands of JHS Community plan members that have discovered JHS Community works for their family’s healthcare needs.
To get a quote and enroll in JHS Community Health Share Plans, follow these steps:
- To get a quote: Select Your State and click the Instant Quote button.
- To apply online: After you get a quote, click on the Apply Now button.
- Learn About the Plans: Review the available health share plans to understand the benefits and choose the one that suits your needs.
- Check Eligibility: Ensure you meet the eligibility requirements for enrollment.
- Fill Out the Application: Complete the online application form with your personal and medical information.
- Submit Required Documents: Provide any necessary documentation, such as proof of identity and medical history.
- Pay the Membership Fee: Pay the initial membership fee as specified by the plan.
- Wait for Confirmation: Once your application is reviewed and approved, you will receive a confirmation of your enrollment and further instructions.
- Not sure how do it: Reach out to an HSA for America’s Personal Benefits Manager.
JHS Community Pros & Cons
JHS Community Pros
- Low cost “catastrophic” type programs
- Very low pricing on the Distinct level
- Only one-year waiting period on pre-existing conditions
- Child-only memberships available
JHS Community Cons
- Limited number of outpatient doctor visits each year
- Not available in several states
- 90 day waiting period on most services (not resulting from an accidental injury)
- Injuries as a result of participating or competing in water sports, water skiing, surfboarding, winter sports, snow skiing, snowboarding, roller blading, or skateboarding will not be shared
Note that JHS Community is not available in the following states: AK, CA, CT, DC, HI, KY, MA, MD, MN, MT, ND, NH, NM, OR, PA, WA or WI.
Combine Your JHS Community Plan with a Health Savings Account
For even greater cost-efficiency and cost savings, you can potentially combine the JHS healthshare with a health savings account, or HSA. These exciting savings vehicles allow you to set aside money tax free for future medical expenses. They also let you pay any out-of-pocket medical costs – such as your MRA and AMRA – with tax-free dollars. We do this by combining the health sharing platform with the HSA MEC solution now available from HSA For America.
What Is HSA MEC?
The HSA MEC solution is a low-cost minimum essential coverage (MEC) health benefit plan designed to meet the federal government’s minimum requirements for a high deductible health plan (HDHP), while also covering all preventive care benefits mandated under the Affordable Care Act.
Enrolling in HSA MEC allows you to contribute pre-tax dollars to an HSA.
If you contribute the annual maximum allowed by law, you should soon have more than enough money in your HSA to pay your MRA, AMRA, and other healthcare-related fees and expenses with tax-free dollars by using your HSA.
Note: Currently, HSA MEC is only available to business owners, independent contractors, or those with verifiable income from self-employment.
❗Important: HSA MEC is not a replacement for your JHS Community health sharing plan. It’s designed to work alongside your existing health sharing plan, at minimal costs.
Typically, the immediate tax, first-year benefits of the maximum HSA contribution – or anywhere close to it – more than offsets the cost of adding HSA MEC. And HSA MEC has important preventive care benefits of its own, which can also help reduce your out-of-pocket costs for medical care.
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We’ve helped over 16 thousand people find health insurance or a health sharing plan.
Each customer gets the same amazing service.
Mike Montes (Personal Benefits Manager) was a great help! He helped me to find affordable health insurance, registered me in the system, and set up automatic payments for me. He also later helped me to find a primary care provider in my area. I was really pleased with his services!
Svetlana Nakrokhina, SC
Misty Berryman (Personal Benefits Manager) was fantastic to work with! I explained our situation/needs to her and she went through a number of options very thoroughly. We (Misty and I) worked through each of our options and determined the best path forward for my family. She is the best and any time we are in need for insurance, she will be our first call!
Travis Lawler, TX
I truly appreciated Leslie’s (Personal Benefits Manager) expertise in helping me navigate the health sharing options. She was patient and informative during the process. No question went unanswered. I will reach out to her without hesitation if I ever plan on adjusting my health plan in the future.
Minita Brinkley, OR
Whitney (Personal Benefits Manager) is THE BEST in every way! She is always ready to help, extremely patient and persevering, knowledgeable, personable and so kind. You and the clients she serves are blessed to have her.
Hunter Purdy
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Disclaimer: All information on this website is relayed to the best of the Company's ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of actual price is subject to Carriers.