Health Sharing: Affordable Coverage for Healthy Individuals & Families
An alternative to traditional health insurance at a fraction of the cost.
If you're generally healthy and don't have pre-existing conditions, health sharing ministries can provide catastrophic and specialist medical coverage at roughly one-third the cost of traditional health plans. It's not the right fit for everyone, but for many individuals and families, it's a smarter way to manage health care coverage without overpaying.
Who Health Sharing Works Best For
Generally Healthy
You don't have major pre-existing conditions and want affordable coverage for unexpected medical needs.
Cost-Conscious Families
You're looking for health care coverage that doesn't eat up your entire budget.
Self-Employed or 1099
You need medical insurance but traditional health insurance premiums feel out of reach.
Traditional Health Insurance Isn't the Only Option
Most people assume the only path to health care coverage is through expensive marketplace health plans. But if you're healthy and don't qualify for subsidies, those premiums can feel impossible.
Health sharing ministries offer a different approach. Members share medical costs with one another, keeping monthly contributions significantly lower. It's not insurance in the traditional sense, but for the right person, it provides solid protection without the sticker shock.
How We Help You Decide
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We look at your medical history and current needs to see if health sharing is a realistic fit.
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We break down how health sharing ministries operate, what's covered, and what's not.
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We show you how health sharing stacks up against traditional health insurance and help you weigh the trade-offs.
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We often recommend pairing health shares with a Direct Primary Care membership for affordable, everyday access to a primary care doctor.
Common Questions
Is health sharing the same as health insurance?
1
No. Health sharing ministries are not insurance. Members voluntarily share medical costs with one another. It's a more affordable option, but it works differently and may not cover everything traditional insurance does.
What if I have a pre-existing condition?
2
Most health sharing ministries have waiting periods or limitations for pre-existing conditions. If you have ongoing health needs, traditional ACA-compliant health insurance may be a better fit. We'll help you figure that out.
Can I use health sharing with Direct Primary Care?
3
Yes, and we often recommend it. Pairing a health share with a Direct Primary Care membership gives you affordable primary care access while keeping your costs low for catastrophic and specialist coverage.
Curious If Health Sharing Is Right for You?
Let's walk through your options together. No pressure, no obligation.