OneShare Health Programs

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By Leslie Jablonski – Updated May 1, 2024
Reviewed by Whitney Kline – Fact checked by Lou Spatafore

OneShare Health, a health care sharing ministry founded by a team of expert health care professionals, 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 Care Sharing Programs

The most popular program is the OneShare Classic Crown, which combines low contribution amounts with a $1,000,000 lifetime maximum, and a $500,000 sharing limit per incident. Up to five doctor visits are included with a $40 visit fee.

(If you want to compare features and pricing on similar plans, also check out Prosper, and netWell Healthshare.)

The OneShare Catastrophic is the most affordable option and designed for major medical expenses. This program does not include preventive services or doctor visits.

OneShare Health Money-saving Member Features

oneshare health yearly exams

OneShare Health yearly exams

Annual preventative exams, including physicals, GYN visits, and immunizations, are eligible for sharing after a 180-days 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 fully shared 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
(Only on Classics)

oneshare health diabetic

Diabetic discount supplies

Up to 75% off retail price.

oneshare health disposables

Disposable medical supplies

20% – 40% off retail price

oneshare health dental discount

Dental discount services

Save up to 50% 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.

Request a Quote!

oneshare health vision

Vision discount services

Save up to 50% 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.

OneShare Health Catastrophic


The OneShare Health Catastrophic plan is for people in good health who simply want Catastrophic healthcare protection, and are willing to pay more routine doctor visits on their own, or through a DPC membership.

OneShare Health Catastrophic

The OneShare Health Catastrophic is a high-deductible, cost-effective option designed for covering significant medical events. It’s ideal for individuals prioritizing lower monthly contributions while still having protection for major health emergencies.

Individual Sharing Amount (ISA): Analogous to a deductible in traditional health insurance, the ISA is the amount you pay out-of-pocket before the plan starts sharing costs. With the Catastrophic, you can choose a $5000 or $10,000 ISA.

Shared Charges After ISA: Once the ISA is met, the plan shares for essential health services. This includes hospitalization, surgeries, X-rays, lab tests, and diagnostics, ensuring coverage for critical medical needs.

Telemedicine Benefits: Access to telemedicine services is included, offering convenient medical consultations from the comfort of your home.
Emergency Room Fees: charges are shared after a $500 fee.

Emergency Room:Charges are shared after a $500 Visit Fee up to $10,000, then ISA applies.

For comprehensive details of the OneShare Health Catastrophic plan, click here to view the full PDF.

Request a Quote!

OneShare Health Classic


For individuals and families that are primarily concerned about everyday medical needs as well as catastrophic care. This is the most popular OneShare program. 

OneShare Health Classic

The OneShare Health Classic plan is designed for individuals and families seeking a more comprehensive health sharing solution.

It balances broad coverage with a variety of ISA options, catering to those who need regular medical services along with protection against larger, unexpected health expenses.

Individual Sharing Amount (ISA) Options: $5000; $7500; or $10,000

Broad Range of First-dollar Shared Services not Subject to the ISA: The Classic plan provides extensive sharing for which you do not have to meet the ISA – including preventive care, routine doctor visits, specialist consultations, and more. This makes it particularly suited for those who want a more robust program.

Doctor Visits: Primary Care is a $40 Visit Fee (limited number of visits per year), Specialist is a $75 Visit Fee (unlimited visits on Classic Crown)

Telemedicine Benefits: Members have access to telemedicine services, facilitating convenient and immediate medical advice from healthcare professionals.

Prescription Drugs: Trust Rx Valet as your pharmacy savings advocate. With Acute Medication Program, access 37 common drugs for free and enjoy great discounts on all other medications as a member.

Mental healthOneShare HealthShare offers mental health support like therapy, counseling, and treatment. Members share costs, but coverage varies by plan. Review the brochure for details and limitations.

MaternityOneShare HealthShare usually includes maternity benefits like prenatal, delivery, and postnatal care. Members share costs for doctor visits, hospital stays, delivery, and more. Review plan details for specifics and limitations.

The OneShare Health Classic stands out as a versatile and inclusive health sharing option, offering a blend of comprehensive coverage and flexibility in cost management.

For a full understanding of the OneShare Health Classic and its benefits, click here to view the detailed PDF.

With OneShare Health You Can Go to Any Doctor You Wish

While members can freely choose their doctor, OneShare strongly recommends leveraging the First Health Network.

It’s among the largest PPO networks nationally, ensuring access to top-tier healthcare providers and comprehensive medical services.

 We always recommend that you utilize Telemedicine as your first line of defense before going to Urgent Care or the Emergency Room. If you need help locating a provider, you can always contact OneShare Health’s Member Support team to assist you.

Elevate Your OneShare Plan with HSA MEC

Integrate HSA MEC with your OneShare Health program for an unmatched combination of preventive care and savings.

Offered by HSA for America, this HSA-qualified, preventive-only plan boosts your OneShare Health experience by offering substantial tax benefits and enhancing your overall healthcare savings.

Why OneShare and HSA MEC?

  • Tax Efficiency: Benefit from significant tax deductions and the tax-free growth of your investments.
  • Superior Investments: Capitalize on the best tax-advantaged investment opportunities with HSAs.
  • Unbounded Care: Access your savings tax-free for medical expenses, anywhere in the world.

Maximize the value of your OneShare Health plan with HSA MEC.

OneShare Health Conditions & 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. Pre-existing condition also includes chronic conditions known to the member, 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 90 days, but life-threatening emergency services available immediately.

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

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

Oneshare Health FAQ

Q: What is health care cost program (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.

Oneshare FAQ

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 eligible 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.

Request a Quote!

Oneshare Health FAQ

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, the age of the oldest member and the type of program you select.

 OneShare Classic can be as low as $92.99 per month for individuals. Run an instant quote on our website for rates in your area.

OneShare Catastrophic can be as low as $72.99 per month for individuals. Run an instant quote on our website for rates in your area.

Run an instant quote on our website for rates in your area.

About Us

Since 2004, HSA for America has led the way in affordable healthcare, crafting innovative cost-saving strategies and providing strong alternatives to expensive traditional health insurance for individuals, families, and small businesses. Read more about us.

Ready To Sign Up for a OneShare Health Program?

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.

Leslie (Personal Benefits Manager) followed up with me for the potential purchase, answered all my questions, and provided me with all the tools I needed after the purchase.


Mike (Personal Benefits Manager) did great on follow-up and made sure my enrollment was complete.


Mel Fonseca (Personal Benefits Manager) is outstanding with communicating, getting back to me if I need help — which I have needed much of — re-explaining things to me. I really feel that he is trustworthy. He’s kind and thoughtful and is really excited about the product/s he’s representing. Altogether he’s delightful to work with.

Elizabeth Wiersma

Christina (Personal Benefits Manager) was awesome; we are very satisfied.

Stephen Resch

OneShare Health Reviews

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4.1 out of 5 stars (based on 27 reviews)
5 star41%
4 star44%
3 star4%
2 star11%
1 star0%

An affordable plan

June 3, 2024

OneShare Health Plans has provided me with affordable coverage, and I appreciate their commitment to transparency. My only concern is the waiting period for pre-existing conditions. Overall, it’s a solid choice for those looking for a unique approach to healthcare.

Chloe J, OK

Our family has saved so much money!

February 24, 2024

Our family of 4 has been enrolled with OneShare for almost 4 years. It’s perfect for not only basic medical needs but catastrophic as well. Their customer service team is always very helpful and the amount of money we have saved is a true blessing. Would definitely recommend!

Melissa B.

Its not that bad!

December 21, 2023

OneShare Health Care Sharing Programs offer an interesting approach to healthcare costs, and I appreciate the sense of community. However, I’m rating them at four stars because the limitations on coverage and the paperwork involved in the reimbursement process can be a bit frustrating. It’s not as straightforward as I would like it to be.

Henry K TX

Oneshare has work good for us so far

October 3, 2023

We have had Oneshare for over a year now and everything seems to be working just fine. However, we have not had to make a claim yet, so I guess we’ll find out when that day comes.

Jim C

Seems like a great option!

August 18, 2023

Like some other people whose reviews I read, I was struggling because I was paying full price for health insurance. I’m an independent contractor, and I make too much money for an Obamacare plan. I was paying 1200/month for a family plan, which was ridiculous and they still didn’t cover everything I needed! So I went to look into my options.

With OneShare, my premiums fell to just under 750 per month! WIth no 20% coinsurance, and almost the same deductible or whatever they call it. Haven’t had to use it yet, though. So we’ll find out when the “Rubber meets the road,” so to speak.

Allen S

Great alternative to obamacare!

June 5, 2023

My wife and I are Christian and strongly pro-life. We didn’t want to support an Obamacare insurance company or anyone else that covered abortions. So we looked around at several faith-based health sharing ministries. We considered several, and we chose OneShare.

They aren’t perfect. We’ve had some issues in the past getting an ER bill paid. Our dermatologist’s office wouldn’t work with us. But that’s because they didn’t understand how health sharing programs work. Once we ironed that out the process was pretty easy.

Ed J

Overall I like the program

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

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!

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

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!

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

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

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

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

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

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

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

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

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)

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

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

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

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

September 6, 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

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

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

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.

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Telephone: 800-913-0172
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