Health Sharing Options
Join a community-driven approach to healthcare costs with 30-50% savings and complete provider freedom.
Healthcare doesn’t have to follow a one-size-fits-all model. Health sharing programs offer an innovative alternative to traditional insurance, where members share each other’s medical costs through monthly contributions. With potential savings of 30-50% compared to traditional premiums and the freedom to choose any healthcare provider, health sharing might be the flexible, affordable solution you’ve been seeking.
How health sharing transforms healthcare costs
Health sharing operates on a simple principle: members contribute monthly “shares” to help pay each other’s eligible medical bills. Unlike insurance companies motivated by profit, health sharing organizations facilitate direct member-to-member support, creating a transparent, community-driven approach to healthcare costs.
Here’s what makes it different:
- No network restrictions – see any doctor or hospital you choose
- Monthly shares (not premiums) typically 30-50% lower than insurance
- Primary Responsibility Amounts (like deductibles) from $500-$10,000
- Direct payment to providers or reimbursement to you
- Community support beyond just financial
Understanding the benefits and considerations
The advantages are compelling:
- Dramatic cost savings for individuals and families
- Complete provider freedom without network limitations
- Transparent sharing process – know where your money goes
- Often includes 24/7 telemedicine at no extra cost
- Values-based approach to healthcare spending
- No annual or lifetime sharing limits on many programs
Important considerations include:
- Not insurance – sharing is voluntary, not contractual
- Pre-existing conditions may have waiting periods
- Lifestyle requirements vary by program
- Some procedures may not be eligible for sharing
- Less regulatory oversight than traditional insurance
Choosing between faith-based and secular options
Faith-based programs like Medi-Share and Christian Healthcare Ministries require statements of faith and adherence to religious principles. They offer strong community bonds and ensure your contributions never fund procedures against your beliefs.
Secular alternatives like Impact Health Sharing and Sedera welcome members regardless of religious affiliation. They maintain ethical guidelines while offering broader procedure eligibility and more flexible lifestyle requirements.
Both types can deliver substantial savings:
- Individual shares: $73-$250 monthly
- Family shares: $378-$627 monthly
- Compare that to $400-$1,200+ for traditional insurance
Is health sharing right for your situation?
Health sharing works best for:
- Healthy individuals and families seeking catastrophic protection
- Self-employed or small business owners without group coverage
- Those whose income disqualifies them from ACA subsidies
- People seeking healthcare that aligns with their values
- Anyone frustrated by traditional insurance costs and restrictions