Health Sharing Programs are emerging as one of the most effective and flexible alternatives to health insurance. As a resource for anyone who is thinking about making the switch to health sharing, we’ve put together a side-by-side comparison of some of the best healthshare plans available.

Best Healthshare Plans Comparison Guide of 2021

If you’re looking for the best health share plans available, HSA for America has put together a comparison guide to help you choose. Perhaps more than ever, people across the country are struggling to afford the cost of health insurance. Many are forced to without coverage altogether, exposing themselves to the devastating costs of out-of-pocket treatment.

At the end, we’ll reveal our expert pick for the best health sharing plan on the market.

Q: What is a Health Sharing Program?

One of the reasons that health sharing programs are so affordable is because they are not technically insurance, which makes them unbound by the strict (& expensive) regulations of the Affordable Care Act.

By paying a monthly ‘contribution’ to a Health Care Sharing Ministry, members can receive affordable coverage at about half the cost of an ACA insurance plan.

However, health sharing is not for everyone. Many of them have restrictions on pre-existing conditions, for example, and a statement of faith is required in many cases.

Compare Pricing on the Best Healthshare Plans Available

The Difference Between Healthshare Plans vs. Insurance

Because health sharing plans are not the same as health insurance, the rules are a bit different. Here are some of the primary differences between health share plans and health insurance that you need to be aware of:

  • Health share plans are not required to cover the same minimum essential benefits as ACA health insurance plans. This makes them more affordable, but less comprehensive than traditional insurance.
  • Health sharing organizations can make their own rules on what medical costs are shared and how the money is distributed. Every health sharing plan is a little bit different in how it works.
  • Many health share plans have restrictions or waiting periods for pre-existing conditions. You might need to pay into the plan for 1 or more years before certain medical costs are shared.  
  • Health care cost sharing is usually about half the cost of unsubsidized health insurance.  This has encouraged hundreds of thousands of Americans to make the switch in recent years.

Q: What are the Best Health Sharing Plans in America?

The seven health care sharing programs that we review below (Altrua, Mpowering, Trinity HealthShare, Medi-Share, Liberty, Samaritan, & OneShare) represent the plans that are both popular with our clients and recommended by our in-house healthshare experts.

At the end, we’ll reveal our top pick for the most affordable alternative to health insurance.

Health Sharing Plans Comparison:

Altrua Healthshare

With three different membership levels (Gold, Silver, & Bronze) and a hyper-simple signup process, Altrua is one of the easiest ways to switch to health sharing.

    • Pre-Existing Conditions: Two to Five year waiting period
    • Provider Networks:    MultiPlan Practitioner Only PPO
    • Statement of Faith:    Must sign a statement of standards
    • HSA Option:   None
    • Perks:   $2,000,000 lifetime maximum; telemedicine; counseling

Mpowering Benefits

This HSA-qualified health care sharing plan allows consumers to take personal ownership of their health. They also let members use whatever health provider they want while not paying as much as with ACA.

    • Pre-Existing Conditions:  Accepted
    • Contribution Amounts:  $200 – $490
    • Provider Networks:  Any doctor or hospital
    • Statement of Faith:  Not required
    • HSA Option: YES
    • Perks: Mental health counseling included

Trinity HealthShare

The big strength of Trinity HealthShare is the number of different plans that are available. Basic coverage plans are only the beginning, with supplemental plans for RX and dental also available.

    • Pre-Existing Conditions: Will not disqualify you
    • Average Contribution Amounts: $142 – $490
    • Provider Networks:  PPO
    • Statement of Faith: Must sign a statement of beliefs
    • HSA Option: None
    • Perks: Offers interim and catastrophic plans; RX and dental


Medi-share has a strongly worded faith statement, and reserves the right to check with your minister to make sure you regularly attend church.

    • Pre-Existing Conditions: Considered, but not guaranteed to be accepted
    • Contribution Amounts: $135 – $470
    • Provider Networks: PHCS network
    • Statement of Faith: Must sign (and possibly have verified) a statement of faith
    • HSA Option: None
    • Perks: Telemedicine; dental, vision and RX savings


The most common feedback we receive about Liberty is that their support staff is prompt, attentive and friendly, three things you might never see from an insurance company.

    • Pre-Existing Conditions: Yes; limited to three (3) years of assistance
    • Contribution Amounts: $149 – $244
    • Provider Networks: PHCS
    • Statement of Faith: Must agree to a set of 5 core values
    • HSA Option: None
    • Perks: Discounts on pharmacy, vision, hearing, and chiropractic costs


Individuals who attend church regularly should consider Samaritan. They can boast over 64,000 member households, which adds up to about $23 million per month that is eligible for sharing.

    • Pre-Existing Conditions: Not eligible for regular sharing
    • Contribution Amounts: $200 – $495
    • Provider Networks: PHCS
    • Statement of Faith: Strict; must attend church regularly
    • HSA Option: Unknown
    • Perks: $250,000 maternity limit; 120-day supply of medication is shareable

United Refuah Healthshare

The first Jewish Health Sharing Organization, established with a mission to provide affordable, flexible reimbursement options with Torah values.

    • Pre-Existing Conditions: Eligible after 1 year of membership, with a $25,000 share cap in years 2 and 3. 
    • Contribution Amounts: $200 – $520
    • Provider Networks: Open (No network limitations)
    • Statement of Faith: Strict; must attend church regularly
    • HSA Option: None
    • Perks: Open-network means you can choose any doctor or hospital; 24/7 tele-medicine practitioners are not subject to PreShare amounts

Best Overall Healthshare Plan: OneShare Health

With low contribution amounts, 24/7 telemedicine, and 100% shared preventative care, OneShare health is perhaps the best all-around performer when it comes to health care cost sharing programs.

    • Pre-Existing Conditions: Some limitations
    • Contribution Amounts: $115 – $450
    • Provider Networks: Uses Multiplan/PHCS Network
    • Statement of Faith: Must sign a ‘light’ statement of faith
    • HSA Option: None
    • Perks: Dental discount; diabetic care and supplies; lab discount, telemedicine

Learn More About Healthshare Plans

At about half the cost, it is no surprise that millions of Americans have already ditched their insurance. Switching to a health care sharing program can be an ideal way to save money on monthly health care costs.

However, not every plan is right for every person. Choosing the wrong plan can lead to unexpected coverage gaps that might end up costing you in the end. Picking the best health sharing plan, on the other hand, can end up saving you thousands of dollars a year on monthly health care costs.

If you are interested in learning more about health care sharing, or are curious whether you are currently signed up for the best plan, give us a call. You can also click over to our website and get a healthshare instant quote to review your options.  

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