OneShare Health Plans

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OneShare Health Plans
By Leslie Jablonski – Updated Feb 18, 2023
Reviewed by Whitney Kline – Fact checked by Lou Spatafore

OneShare Health is a health care sharing ministry founded by a team of expert health care professionals. OneShare Health offers two levels of health care sharing programs — Classic, and Catastrophic — for individuals and families.

These programs are not health insurance but rather health care sharing programs in which groups of like-minded people come together to share medical expenses. Though established as a faith-based program, OneShare is available to anyone who will sign their Statement of Belief.

OneShare Health Shared Expenses

The most popular program is the OneShare Classic Crown, which combines low contribution rates with a $1,000,000 lifetime maximum, and a $500,000 sharing limit per incident. Up to five doctor visits are included with a $20 visit fee.

The OneShare Catastrophic is a less expensive designed for major expenses, and does not include doctor visits.

OneShare Health Money-saving Member Benefits

oneshare health yearly exams

OneShare Health yearly exams
Annual preventative exams, including physicals, GYN visits, and immunizations, are eligible for sharing after a 90-day waiting period.


Talk to a doctor 24/7 for your acute care needs and even get a prescription if medically appropriate– all with a $0 consult fee.

program eligibility

 OneShare Health eligibility
Includes services such as primary care, specialists, urgent care, hospitals, outpatient therapy, and more depending on the program you enroll in.

preventive care

Preventative care
100% shared up to $1,000

oneshare health diabetic

Diabetic discount supplies
20% – 30% off retail price.

oneshare health disposables

Disposable medical supplies
20% – 40% off retail price

oneshare health dental discount

Dental discount services
Save 20% – 60% on most dental procedures including routine oral exams, unlimited cleanings, and major work such as root canals, crowns and dentures. Save 20% on orthodontics


Prescription discount services
Access to over 60,000 pharmacies. Get 15% – 80% off on generic drugs and 15% – 25% on brand name drugs.

oneshare health vision

Vision discount services
Save 20% – 40% off the retail price of eyewear with the EyeMed Vision Care Access Plan D discount program. Discounts on exams, eyewear, and contact lenses from more than 90,000 providers nationwide.

Both programs have a choice of three tier levels to choose from – Basic, Enhanced, or Crown. There is a maximum lifetime sharing amount up to $1,000,000 depending on the tier level you enroll in. Monthly contributions start as low as $125 for individuals, $210 for individuals + one, and $310 for families.

With OneShare Health You Can Go to Any Doctor You Wish

One of the best aspects of this program is that there is no specific network of doctors that you need to choose from.

This not only provides greater convenience, but it also can be invaluable if a serious health condition occurs, since some of the top surgeons and specialists may not be in the most common PPO networks.

We always recommend that you Contact your telemedicine provider if it is something you may be able to handle over phone or video. If you need non-emergency treatment, you can always contact OneShare’s concierge service to help you find a provider.

Conditions and Restrictions

Because these programs are not traditional insurance, they are not regulated the same way insurance plans are.

Members are immediately eligible for sharing for accidents, injuries, or acute illnesses. There is a 90-day waiting period for all other medical expenses to be eligible for sharing.

Pre-Existing Condition means any sickness or injury for which you or your enrolling dependents received medical treatment, advice, care or services, including diagnostic measures, took prescribed drugs, or showed signs or symptoms whether treated or not, within 24 months before the Member’s effective date of their program. Eligibility for a Pre-Existing Condition has a 24- month waiting period. However, certain chronic conditions that require treatment to maintain current condition and prevent further problems may be eligible for immediate sharing.

In/outpatient surgery typically has a waiting period of 6 months, but life-threatening emergency services available immediately.

Once the individual share amount (ISA) is met, specialist visits and diagnostic imaging is eligible for sharing.

OneShare is not available in MD, MA, PA, VT, or WA.

OneShare Health Frequently Asked Questions (F.A.Q.) – View Story

Q: What is health care cost sharing (Healthshare)?

A: Health sharing plans are a popular and affordable alternative to health insurance. These programs allow like-minded individuals to share the collective cost of  health care.

Because healthshare plans are not regulated like insurance, they come with some additional restrictions.

Q: Does OneShare Health have waiting periods for pre-existing conditions?

A: OneShare members have to wait 24 months before pre-existing conditions are eligible for sharing. Accidents, injuries, and acute illnesses are all covered immediately, and there is a 90-day waiting period for all other medical costs.

Q: How do I become a OneShare member?

A: Simply set up an appointment with your Personal Benefits Manager. You can find all the contact info you need at the bottom of this page. You can also click the link above to run a quote and apply online.

Q: Will my doctor accept OneShare Health?

A: OneShare Health operates using the First Health Provider Network, which includes over 1.5 million health care locations globally. Your Personal Benefits Manager can help you find out whether your current doctor is on the list.

Q: How much does OneShare cost?

A: The cost of your new OneShare membership will depend on several factors. These include the number of people in your  family, the state you live in,  and the type of plan you select.

OneShare Catastrophic can be as low as $115 per month for individuals. The more comprehensive OneShare Complete is more expensive, but has no maximum limit on per-incident sharing.  Run an instant quote on our website for rates in your area.

Ready to sign up for a OneShare plan?

To review rates and options and to enroll online, click here. Your membership can be effective as quickly as tomorrow.

If you’d like assistance comparing options and choosing a plan, schedule a call with one of our Person Benefits Manager, or give us a call at 800-913-0172.

OneShare Health Reviews Section

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Rated 4.1 out of 5
4.1 out of 5 stars (based on 21 reviews)
5 star48%
4 star33%
3 star5%
2 star14%
1 star0%

Overall I like the program

Rated 4 out of 5
March 21, 2023

Had a bunch of questions but Lou spent a good deal of time on the phone with me and took his time answering them signed up on the spot because it’s much cheaper than my Obamacare Humana plan without a subsidy.

After I signed up they kept emailing me to sell me for some reason but overall I like the program. They shared a bunch of bills when my husband got COVID and spent a week in the hospital

Elaine R

We liked the telemedicine option

Rated 4 out of 5
January 11, 2023

My wife is 61 and was afraid to go to the doctor’s office because of Covid but OneShare came to the rescue. They have a really good telemedicine program and we were able to do all our consults and checkups over a cell phone.

We also like being able to save so much money in monthly premiums. We haven’t had to do a big claim yet so we’ll see.

Thomas N

Great experience with One Share!

Rated 5 out of 5
October 31, 2022

My spouse and myself joined One Share last year because we could save almost half on health insurance premiums (we’re self employed digital nomads and we didn’t want an HMO with a limited network since we travel so much) Anyway, my wife got hit by a car while riding her bike nd we had over 28000 in medical bills.

We had to pay 5000 out of pocket but One Share picked up the rest no problem. It probably helped that the hospital billing staff understood how health sharing works. 10/10 would recommend.

Armando H

Kind of a hastle

Rated 2 out of 5
September 21, 2022

Had them for two years. Then I broke my ankle skiing and had to go to the ER. Had a lot of trouble submitting the paperwork. I submitted everything twice. Had to make several phone calls to supervisors. First they only payed a third of the amount had to through it all over again, and use their appeal process.

Eventually they paid the amount, minus my contribution or whateve rthy call it. Not too impressed with their first outing.

Alex A

Oneshare helped us save money!

Rated 5 out of 5
August 24, 2022

You can definitely save money with OneShare Health. We earned too much to qualify for an Obamacare subsidy but not enough to afford health insurance for our whole family because we live in a high cost of living area. We used HSA for America who suggested we consider a health sharing ministry. With my husband, me, and my three children we’re able to save over 40 percent compared to our previous family plan from Aetna. Definitely continuing with OneShare!

Lydia B

Big Discounts for Diabetic Supplies

Rated 4 out of 5
July 6, 2022

Our PBM recommended that we choose OneShare because of my husband’s diabetic needs. It came with a great discount program that is making all our supplies a lot cheaper, just for being a member. Most health shares don’t seem to care about diabetics.

Phillipa B.

Doesn’t Meet my Christian Values

Rated 2 out of 5
May 18, 2022

OneShare claims to be a healthshare ministry but I don’t see much evidence of that. They just let everybody in. I miss the smaller Christian community that we used to have. I’m switching to MediShare.

Sarah C.

Catastrophic Plan is the Most Affordable Yet

Rated 5 out of 5
March 28, 2022

I looked at every “catastrophic” healthshare plan on the market, and this one is by far the best. I’m paying just over a hundred bucks a month, and I still get access to telemedicine services and a mental health program. Now all I have to do is stay healthy!

Ryan D

Maxed Out my Sharing Limit

Rated 2 out of 5
February 17, 2022

I was in a serious accident last year … with some huge bills. My OneShare plan maxed out at $500K for the year. I know that’s a lot, but it still left me with some pretty serious bills to cover on my own. Check your plan’s annual limits before you sign up!

Shauna R.

The 24/7 crisis line is a God-sent blessing

Rated 5 out of 5
December 29, 2021

Although One Share isn’t as openly Christian as some of the other companies, I have no doubt that they are truly doing the Lord’s work with their cost sharing programs. I have a friend who has been getting free help with her mental health through OneShare … multiple free sessions a year and a 24/7 crisis line that she’s used on more than one occasion. That’s why I switched to OneShare, and probably for good.

Stephen D.

Choose the ‘catastrophic’ plan to get the lowest costs

Rated 4 out of 5
December 8, 2021

My health insurance guy told me that OneShare had some of the lowest monthly costs out of all the healthshare plans, so I decided to give it a shot. I’m in the “Catastrophic” plan, and I’m paying just over a hundred bucks a month for decent health protection. Thinking of upgrading to the Complete option next year because there’s no limit on sharing amounts.

Andy L.

It only took like 20 minutes to get signed up with OneShare

Rated 5 out of 5
November 25, 2021

I had to go with health sharing because I missed the insurance deadline or whatever. I was able to sign up with OneShare right away. As in right away. My plan was up and running within 24 hours of when I first made the call. The folks that were helping me were really nice, too!

Michelle L.

Lots of Provider Options

Rated 5 out of 5
November 22, 2021

My advisor told me to take a look at One Share ever since they expanded their preferred networks. She was right … OneShare has a lot of options to choose from if you’re looking to keep your costs down. Totally satisfied so far … Will update my review if anything changes.

Juana T.

Fast cost sharing (just as long as its qualified)

Rated 4 out of 5
October 18, 2021

Since meeting my annual portion, I’ve used my OneShare plan twice. Both times they processed the cost sharing in under a month, which is a bit faster than what the other healthshare companies can do from what I’m told. Just make sure that you’re submitting a medical receipt that is “qualified”. Actually it’s best to check beforehand, because if it isn’t on their list, they won’t approve it for sharing.

Ken W.

OneShare has better access for prescription drugs

Rated 5 out of 5
October 7, 2021

Our family switched to One Share once we found out about their prescription drug program. We both take various medications, and having a little help with the cost each month is really nice. On top of that, we’re getting health protection for the ‘bigger’ stuff just in case anything happens. Super happy with OneShare.

Ishaad K

Saving money with my OneShare plan

Rated 4 out of 5
September 15, 2021

I switched to OneShare because an agent told me I’d be saving a few hundred bucks a month. So far, the savings have been pretty good. I’m in the Catastrophic program, which I think is the lowest cost.

Tracey M.

OneShare helped us with our prescription drugs

Rated 5 out of 5
September 13, 2021

My wife and I switched to OneShare from a different sharing program because we were looking for more help with our prescription drugs. OneShare has a discount prescription program that included the medications that we both needed. We’ve been super happy since making the switch.

Greg V.

OneShare offers mental health services

Rated 4 out of 5
September 7, 2021

OneShare is better than a lot of the other HCSMs out there, primarily because they offer free mental health services. All members get 4 counseling sessions per year, as well as access to a 24/7 crisis line. This used to be one of the big things lacking with health sharing, but it’s good to know that at least one company knows how important it is.

Joel H.

Easy to sign up for OneShare

Rated 5 out of 5
August 19, 2021

I was surprised at how fast it was to sign up for OneShare. Our family had a healthshare program up and running by the very next day. We haven’t been enrolled for that long, but if their service department is any indicator, I think we’re going to stick with these guys for a while.

Nallie C.

OneShare’s concierge people are great

Rated 5 out of 5
August 1, 2021

OneShare’s concierge people are great. They’ve helped me find a network provider more than once, and since they merged with First Health Network, I’ve got more options than I used to. I used to be on MediShare, but I’d say that OneShare is just a bit more modern.

Beth K.

The cost sharing is pretty fast with OneShare

Rated 3 out of 5
July 27, 2021

The cost sharing is pretty fast with OneShare… Usually I get paid out within a month. But I didn’t realize that my Catastrophic plan had a per-incident limit on it. I’m thinking of changing it from $150,000 to $250,000 just in case something happens.

Nicole Z.

1001-A E. Harmony Rd #519 Fort Collins, CO 80525
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