Ultrio HSA
Health sharing + virtual primary care + HSA eligibility, all in one membership.
Reviewed by Whitney Kline – Fact checked by Wiley Long
Save Thousands Annually: The Health Sharing Plan That Gives You Comprehensive Protection and Triple Tax Savings With an HSA
Powered by Zion HealthShare, one of the most established sharing communities in the country, and paired with an HSA-qualifying MEC plan, a federal ACA designation, Ultrio HSA gives you comprehensive protection at a fraction of what traditional health insurance costs.
First, it is important to remember that Ultrio HSA is not health insurance. Ultrio HSA’s major-medical component is a voluntary health sharing membership in the Zion HealthShare community. It is not regulated by state insurance departments, and because it is not health insurance it is exempt from the requirements that apply to ACA-regulated health insurance plans. In addition, the included MEC plan is a separate, regulated insurance product that handles preventive care and qualifies you to contribute to a Health Savings Account. So when we say Ultrio HSA is a 3-in-1 membership, we mean the MEC plan (insurance), the Zion HealthShare community (not insurance, voluntary cost sharing), and your HSA eligibility (a tax benefit), packaged together.
What Makes Ultrio HSA Different
Most health sharing plans handle major medical expenses. Traditional HSA plans help you save on taxes. And standard telehealth memberships give you access to virtual care.
Instead, Ultrio HSA does all three, bundled into a single, streamlined membership.
Health Sharing for Major Medical Expenses
There is no insurance company deciding whether to approve your claim. And you can see any licensed provider, no networks required.
Zion HealthShare caps your household’s out-of-pocket responsibility at three IUAs in any rolling 12-month period. After that, additional eligible expenses are shared with no further IUA required.
Virtual Primary Care, Unlimited and Included
This is not just a telehealth line for urgent questions, it is ongoing primary care through a virtual platform, available whenever you need it.
Use it for routine concerns, medication management, chronic condition support, mental health, and more.
Prescription Savings Up to 80%
Your Ultrio membership includes a comprehensive prescription program with access to patient assistance programs, international sourcing, and benefit credits.
Many members save up to 80% on a wide range of medications, including brand-name and specialty drugs. No insurance card needed.
HSA-Qualified Through an Included MEC Plan
- Includes 100% of in-network preventive care at no cost to you
- Qualifies you legally to open and contribute to a Health Savings Account
- Satisfies ACA MEC requirements
Because your HSA eligibility is tied to this MEC plan, not the health sharing component, you are fully eligible to contribute to your HSA from the moment you enroll.
How Ultrio HSA Works
Open your Health Savings Account
With your HSA-qualifying MEC plan in place, you are eligible to open and fund an HSA with the bank or administrator of your choice. For 2026, you can contribute up to $4,400 (individual) or $8,750 (family), all pre-tax. Those 55 and older can contribute an additional $1,000.
Use virtual primary care for everyday health needs
Access unlimited virtual primary care whenever you need it, no waiting room, no co-pay, no burning through your HSA for routine concerns.
Pay for everyday costs tax-free from your HSA
Prescriptions, dental, vision, labs, and hundreds of other qualified medical expenses can be paid directly from your HSA, completely tax-free.
Submit large medical expenses for sharing
Present yourself as a self-pay patient at your chosen provider. Pay your IUA for that medical need. Then submit eligible costs above your IUA through the Zion HealthShare member portal. Sharing processes typically within two to five weeks with proper documentation.
Keep and grow what you don’t spend
Your HSA balance rolls over year after year. It earns interest. You can invest in mutual funds. At age 65, you can withdraw for any purpose without penalty (ordinary income taxes apply for non-medical use).
Ultrio HSA Plan Features
| Feature | Ultrio HSA |
|---|---|
| HSA-Qualified (MEC Included) | ✓ Yes |
| Health Sharing Community | Zion HealthShare |
| IUA Options | $1,000 / $2,500 / $5,000 |
| Household Out-of-Pocket Max | 3 IUAs per rolling 12-month period |
| Preventive Care (in-network) | ✓ 100% included, $0 out of pocket |
| Provider Network Required | No, any licensed provider |
| Virtual Primary Care | ✓ Unlimited, included |
| Telehealth (Urgent / Mental Health) | ✓ Included |
| Preventive Sharing | ✓ Included |
| Maternity | ✓ Shareable after IUA |
| Emergency Care | ✓ Shareable after IUA |
| Surgery & Hospitalization | ✓ Shareable after IUA |
| Prescription Savings | ✓ Up to 80%, brand name & specialty |
| HSA Contribution Limit 2026, Individual | $4,400 |
| HSA Contribution Limit 2026, Family | $8,750 |
| Catch-Up Contribution (Age 55+) | Additional $1,000 |
| Annual or Lifetime Sharing Maximum | None |
| Religious Requirement | None |
| Member Support | ✓ Included |
The Triple Tax Advantage, What It Means for You
Health Savings Accounts offer three layers of tax savings that no other common healthcare account can match.
Contributions are deductible
Every dollar you deposit into your HSA reduces your taxable income, dollar for dollar. For 2026, that means up to $4,400 in deductions for individuals and $8,750 for families.
This deduction applies whether or not you itemize your federal return. Most states also allow the same deduction for state income taxes.
Growth is tax-deferred
Your HSA balance earns interest tax-free. If you invest in mutual funds or other options available through your HSA administrator, those gains are also sheltered while they remain in the account.
Qualified withdrawals are tax-free
When you use HSA funds to pay for qualified medical expenses, doctor visits, prescriptions, dental and vision care, mental health services, and hundreds of other eligible costs, there is no federal tax due on the withdrawal.
For example, a family in the 22% federal tax bracket contributing the full $8,750 family limit in 2026 would save approximately $1,925 in federal taxes on contributions alone. Furthermore, when you factor in state income tax savings and the tax-free nature of withdrawals, total annual HSA benefit is often $2,500 or more. Combine that with health sharing’s dramatically lower monthly contributions, and Ultrio HSA members typically save thousands of dollars per year compared to traditional insurance.
Is Ultrio HSA Right for You?
Ultrio HSA is an excellent fit if you are:
Looking at Other HSA-Qualified Healthshare Plans?
Ultrio HSA is one of three HSA-qualified healthshare plans we offer through HSA for America. Each plan has its own strengths, and the best fit depends on your IUA preference, how you want to handle everyday care, and how much you value extras like concierge support or in-person primary care.
Want to weigh your options? See the full side-by-side breakdown of HSA Secure, HSA Premium1, and Ultrio HSA on our dedicated comparison page. And if you are still wrapping your head around how an HSA works and why it can dramatically lower your taxes and give you more healthcare freedom, our HSA learning center walks you through it step by step.
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Compare All HSA-Qualified Healthshare PlansFull side-by-side: HSA Secure, HSA Premium1, and Ultrio HSA.View comparison →
$ Learn How HSAs Save You Money and Give You Healthcare Freedom
How an HSA works, what it can do for your taxes, and why it expands your healthcare options. Start Learning →
Ultrio HSA vs Ultrio Plus, What’s the Difference?
Ultrio comes in two flavors, and the right one depends on how you want to handle everyday care.
Ultrio HSA Built around HSA eligibility. The included MEC plan keeps you HSA-qualified, so you can build long-term tax-free savings. You handle most everyday in-person care yourself, often paid from your HSA, and you have unlimited 24/7 virtual care included for routine concerns.
Ultrio Plus Adds in-person primary care, specialist visits, urgent care, and labs at $0 with care coordination. It is the heavier-use plan for households that want a fuller benefit package without juggling out-of-pocket spend on routine visits. However, Ultrio Plus is ACA-compliant but is not marketed as an HSA-qualified plan, so it is the right pick when broader everyday access matters more than HSA contributions.
Side-by-Side Comparison
Swipe sideways to see both plans →
| Feature | Ultrio HSA | Ultrio Plus |
|---|---|---|
| Best for | HSA savers and lower-utilization households | Households that want broader everyday access |
| HSA-Qualified | ✓ Yes (via included MEC plan) | Not marketed as HSA-qualified |
| ACA-Compliant | ✓ Yes | ✓ Yes |
| Includes MEC Plan | ✓ Yes | ✓ Yes |
| Zion HealthShare Membership (not insurance) | ✓ Included | ✓ Included |
| Cost Sharing for Large Medical (ER, hospital, surgery) | ✓ After IUA | ✓ After IUA |
| Preventive Care and Well-Child Services (per ACA) | ✓ Included (via MEC) | ✓ Included (via MEC) |
| Maternity | ✓ Shareable after IUA (pre-membership and waiting periods apply) | ✓ Shareable after IUA (pre-membership and waiting periods apply) |
| 24/7 Virtual Care | ✓ Included | ✓ Included |
| Mental Health | ✓ Included | ✓ Included |
| Care Coordination | ✓ Included | ✓ Included |
| Routine Immunizations | ✓ Included | ✓ Included |
| RX Benefits (powered by RX Valet) | ✓ Included | ✓ Included |
| In-Person Primary Care Visits | Pay self-pay rate (use HSA dollars) | ✓ Unlimited at $0 with care coordination (up to $150 per visit) |
| In-Person Specialist and Urgent Care Visits | Pay self-pay rate (use HSA dollars) | ✓ Unlimited at $0 with care coordination (up to $200 per visit) |
| Labs (in-person) | Pay self-pay rate (use HSA dollars) | ✓ Unlimited at $0 with care coordination (up to $100 per lab) |
Quick decision guide
Frequently Asked Questions
Is Ultrio HSA actually HSA-eligible?
Yes.
The included MEC plan is an HSA-qualifying insurance plan that satisfies ACA MEC requirements. Because HSA eligibility is tied to this MEC plan rather than the health sharing component, members are fully eligible to open and contribute to a Health Savings Account from the moment they enroll.”
How does sharing work for large medical expenses?
When you have a significant medical need, you pay your Initial Unshared Amount (IUA) first.
You then submit eligible costs above your IUA through the Zion HealthShare member portal. Your household out-of-pocket is capped at three IUAs in any rolling 12-month period. Sharing is not a guarantee of payment and Zion HealthShare is not insurance.
How does the virtual primary care benefit work?
Ultrio HSA and Ultrio Plus both include unlimited 24/7 virtual care through the Primestin Care app.
You can request a virtual visit anytime for routine concerns, medication management, chronic condition support, or mental health. There is no co-pay, and you do not need to use your HSA dollars for these visits.
Is there a waiting period for major medical sharing?
Yes.
Some services, including maternity and pre-membership conditions, are subject to waiting periods under the Zion HealthShare member guidelines. Your Personal Benefit Manager can walk you through the specific timelines that apply to your household and the services you expect to use.
How much will my HSA contribution lower my taxes?
Every dollar you contribute to your HSA reduces your taxable income by that same dollar.
For 2026, the federal contribution limit is $4,400 for an individual and $8,750 for a family, with an extra $1,000 catch-up contribution if you are 55 or older.
Can I spend my HSA money on things like dental, vision, or prescriptions?
Yes.
HSA dollars can be used tax-free on hundreds of qualified medical expenses defined by the IRS, well beyond just doctor visits. Common eligible expenses include:
- Prescription medications and many over-the-counter drugs
- Dental care, including cleanings, fillings, crowns, and orthodontics
- Vision care, including eye exams, glasses, contact lenses, and LASIK
- Mental health services, including therapy and counseling
- Lab work, diagnostic tests, and imaging
- Chiropractic care, acupuncture, and physical therapy
- Medical equipment such as crutches, blood pressure monitors, and breast pumps
For the full list, the IRS publishes an authoritative reference in Publication 502 (Medical and Dental Expenses) and Publication 969 (Health Savings Accounts). Save your receipts. Withdrawals for non-qualified expenses before age 65 are taxed as ordinary income plus a 20% penalty, so always confirm an expense qualifies before paying with HSA funds.
Ready to Get Started?
You do not need to wait for open enrollment. Ultrio HSA is available year-round.
Have questions first? Our Personal Benefit Managers are available at no cost and with no obligation. They will walk you through how Ultrio HSA works, how it compares to Ultrio Plus and other plans, and make sure it is the right fit for your situation.
Or call us: 800-913-0172
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