OneShare Health Plans

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OneShare Health Plans

OneShare Health is a health care sharing ministry founded by a team of expert health care professionals. OneShare Health offers three levels of health care sharing programs — Classic, Complete, 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 Complete provides some enhanced benefits, including unlimited doctor visits. Higher contribution amounts make this option not as popular as the Classic Crown.

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

Money-saving Member Benefits


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


Preventative care
100% shared up to $1,000


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


Disposable medical supplies
20% – 40% off retail price


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.


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.

All three 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.

OneShare Health PPO Network

The Provider Network for this membership is First Health, the nation’s first Provider Network specifically designed for a health sharing organization.

First Health’s network includes over 5,700 hospitals, over 120,000 ancillary facilities, and over 780,000 professional providers at over 1.5 million health care service locations in all 50 states.

    1. Contact your telemedicine provider if it is something you may be able to handle over phone or video.
    2. If you still need non-emergency treatment, contact OneShare’s concierge service or First Health, to 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, NM, PA, VT, or WA.

For a more in-depth look, please review the OneShare Classic brochure.

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.

Had experience with OneShare Health? Please leave your review!

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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 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

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.

749 S. Lemay Ave, Suite A3-116, Fort Collins, CO 80524
Telephone: 800-913-0172 | Fax: 970-999-0989 | © 2021 - All Rights Reserved

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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.