Zion Health Share

Low-Cost Zion Health Share Plans Built for Health Savings Accounts (HSAs) and Direct Primary Care (DPC)

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Zion Health Share
By Lou Spatafore – Updated Jan 23, 2023
Reviewed by Whitney Kline – Fact checked by Misty Berryman

Zion Health Share is a non-profit medical cost sharing community that is open to everyone. Zion’s most popular healthshare plans include options built specifically for Health Savings Accounts and Direct Primary Care, two tools that can further increase the value of your health plan.

New to the idea of healthcare cost sharing? Click here to read our guide, “All You Need to Know About Healthshare Plans”.

Zion Health Share Options: DIRECT and SECURE

Through their family of healthshare partners (Including MPB Health), Zion Health offers two program options to choose from:


Zion DIRECT: Lowest-Cost Healthshare Plan Built for Direct Primary Care

If you’re enrolled in a Direct Primary Care program, or DPC, then you’re already saving a lot of money on routine and preventive medical care. But DPC memberships don’t cover things like ER visits or hospital stays.

Zion’s DIRECT healthshare option is designed to be paired with an existing DPC membership. This allows members to stay protected against both routine and emergency healthcare costs, while still saving hundreds of dollars a month over traditional insurance.

Zion SECURE: The Only HSA-Qualified Healthshare

The SECURE health share option from Zion not only includes more protection than DIRECT, but it can also give you access to your own Health Savings Account, or HSA.

HSAs are a valuable investment tool that allow you to deposit pre-tax payroll money into a tax-advantaged account. As long as the HSA funds are only spent on qualified medical expenses, they’re allowed to grow completely tax-free. This can lead to hundreds of thousands in savings towards your retirement plan.

Until recently, HSAs were only available to people enrolled in a high-deductible ACA insurance plan. But now, by combining Zion Health Share SECURE with a Minimum Essential Coverage (MEC) plan, it’s possible to link your healthshare with an HSA.

Zion Health Share Reviews: What Our Clients are Saying

Here’s a look at why our existing clients are sticking with Zion Healthshare plans in 2022:

  • Zion DIRECT is one of the most affordable health sharing options available, starting around $100 per month for an individual.
  • The SECURE plan gives healthshare members access to a Health Savings Account (HSA) for the first time.
  • Zion doesn’t require a Statement of Faith like MediShare.
  • Members can choose from a list of low-cost add-on options, including Rx Share (+$10), LifeWorks Mental Health Program (+$5), or Unlimited Teladoc (+$5).

Zion Health Share Frequently Asked Questions [FAQ]

Q: How much do Zion healthshare plans cost?

A: Depending on your specific program options, a Zion Health membership can be as low as $103 per month for an individual member. Family healthshare programs start as low as $295 per month. Your age and tobacco usage can also affect your monthly contribution amount.

Q: Which is better: Zion Health vs Liberty Healthshare?

A: Zion Health offers both HSA-qualified and DPC-ready health sharing plans, which is something that Liberty Healthshare does not. However, the best healthshare plan for you will depend on your budget, your medical needs, your location, and more. (Need help choosing? Maybe it’s time to get your own no-charge Personal Benefits Manager.)

Q: Is Zion Health Mormon?

A: Unlike many health sharing organizations, Zion Health is not affiliated with any church or religion. Zion Health is a nonprofit medical sharing organization that accepts individuals and families of any faith and background.

Q: How do Zion Health Share plans work?

A: Zion Health Share plans work similar to other health sharing options:

  1. The member submits a monthly contribution, or share.
  2. When a qualified medical expense is incurred, the member submits a Needs Request within six months of treatment.
  3. The member pays their Initial Unshared Amount, or Member Responsibility Payment. This amount can be either $1,000, $2,500, or $5,000, and must be met before the rest of the expense can be shared.
  4. If the cost is approved for sharing, it will be paid for by the Zion Health community, through a combined pool of member contributions.

Q: Can an HSA work with a Health Share plan?

A: The only way to use a Health Savings Account (HSA) with a Healthshare program is to also enroll in a Minimum Essential Coverage (MEC) plan. With Zion’s SECURE option, you can enroll in a healthshare that is specifically designed to  this end, further increasing your savings.

Q: How is Zion more affordable than health insurance?

A: Healthshare programs are for individuals who don’t need as much coverage as traditional health insurance provide. This includes both healthy people and people who are tired of paying for coverage that they’re not using.

Because healthshare plans like Zion Health are only intended for emergency or unexpected medical costs, they can be around half the cost of traditional unsubsidized insurance.

Q: Does Zion have a waiting period for pre-existing conditions?

A: Zion members must wait 12 months before expenses relating to pre-existing conditions can be shared. After 12 months, up to $25,000 in costs can be shared. After 36 months, this amount increased to $50,000. After year four, it increases to $125,000.

Ready to Enroll in Zion Health / MPB Health?

To find out how much you can save by switching to a Zion Health Share plan, enter your state in the box below and click “Free Quote”.

When you’re ready to enroll, call 800-913-0172 to connect with a Personal Benefits Manager for a no-cost consultation to make sure you’re getting the best price.

Reviews Section

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Rated 3.8 out of 5
3.8 out of 5 stars (based on 11 reviews)
5 star37%
4 star36%
3 star9%
2 star9%
1 star9%

Satisfied Customer!

Rated 4 out of 5
January 23, 2023

I had Kaiser for years. Then joined Zion because I wanted more freedom to see my own doctor, and because Kaiser premiums were getting out of hand. The lower monthly costs are a big help, and they’ve shared every bill just as they were supposed to. I’m a satisfied customer going on two years!

Toby P

Zion was not for me

Rated 1 out of 5
November 10, 2022

My family has a history of breast cancer. I’m 46 now. My mom died of breast cancer at age 48. but they told me they won’t cover a mammogram until I turn 50?!?! If they think mammograms are expensive, just wait til the see how expensive not having a mammogram is!

I dropped them and went back to real insurance. It’s more expensive but you get what u pay for!

Angela P

Much better than regular insurance-based care!

Rated 5 out of 5
September 7, 2022

I use the Zion DPC and my primary care doctor is the best I’ve ever had by far. He actually has time to talk to me during appointments. He told me a big part of that is the direct primary care model, which means he doesn’t need to carry a huge patient load and can spend more time with each patient.

Much better than regular insurance-based care! Very glad I made the switch to DPC!

Andrea L

Super affordable only $121

Rated 4 out of 5
July 10, 2022

Healthcare is all a price game. This was the cheapest plan I could find.

Ted B.

Works with my Direct care Plan

Rated 5 out of 5
May 24, 2022

My DPC doctor was the one that told me about Zion. Now I’m covered for both my doctor visits and emergency care. It’s a lot like a ‘real’ insurance plan but only cheaper!

Laura K.

More expensive than OneShare but worth it

Rated 4 out of 5
May 1, 2022

Zion lets you contribute to an HSA if you’re in the right plan. That was reason enough for us to switch. We’re paying a bit more than our old OneShare plan but Zion seems way better so far.

Nathan D.

Mediocre at best

Rated 3 out of 5
April 11, 2022

Meh. Their price is good, but I’m not thrilled about their customer service, particularly this one guy. Hopefully they have someone who actually listens to customer feedback and makes them feel heard. Emailed the manager and waiting to hear back.

William J.

Zion accepts us even though we’re not really Christian

Rated 5 out of 5
March 24, 2022

Haven’t been to church in years. But Zion didn’t even ask. We thought Christian health insurance would be a bit stricter. They’ve actually been really welcoming.

Michael T.

Too expensive for 50+

Rated 2 out of 5
February 4, 2022

My husband is almost 10 years older than me. He just turned 50, and his part of our plan got LOT more expensive than mine. We wish we would have gotten notification that our rated would be increasing that much.

Megin T.

We like our Zion plan

Rated 4 out of 5
January 28, 2022

We like the Zion Secure plan we picked. We have not been members that long, but like it so far.

Jill S.

It's nice to find a healthshare plan that works with an HSA

Rated 5 out of 5
January 6, 2022

We have been very pleased with our new Zion healthshare plan. We had been looking for a healthshare plan that works with an HSA and we’re glad we found the Zion Secure HSA plan. It’s been working great so far.

Mac M.


At netWell, your monthly sharing amount is based on the following factors:

  • The age of the oldest active member in your family
  • The number of members in the membership
  • The membership option or tier you select
  • Your member commitment portion (MCP)
  • Your state of residence

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Telephone: 800-913-0172
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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.