HealthShare is a community of people, with like-minded values, helping each other in a time of need. When a member has a medical need, they receive support from other members who share in their eligible medical costs. Our community of members serve each other by giving and receiving financial support. Our members have the power to choose their own doctor and hospital.

Unlike traditional health insurance, health sharing or medical cost-sharing programs are a alternative that many members find empowering. They allow you to take more control over your health and health care costs, including medical bills. Health sharing  are voluntary organizations of groups of people who share a common good and contribute certain sums each month. These monthly gifts are then used to help pay for each other’s medical bills.

These health cost-sharing programs are not health insurance, and health insurance regulations do not govern or influence them. This means that individuals who do not receive employer-sponsored health coverage or otherwise are unable to obtain traditional health insurance have more options. Members who need affordable health care coverage may join at any time, not just during a limited enrollment period.

For those without access to marketplace subsidies, programs from  health sharing  are typically more affordable than conventional health insurance. The best health sharing program will also offer special guidelines for pre-existing illnesses and other concerns, allowing you to anticipate and control your medical expenses and other healthcare costs better.

What Distinguishes Health Insurance from a Health Sharing 

The lack of typical contracts is a significant distinction for  health sharing  members. There are no rigid contractual agreements or assignment of risk. Being a member largely comprises an informal covenant among those who freely come together to assist each other with medical bills.  Membership comes with the understanding that your contribution goes where there is a necessity, and that the contributions of others will come to you when you need help to pay for your medical bills.

There are provisions in place, seeing as health sharing  have been active for many years, and hundreds of thousands of members are a part of them. Members have the advantage of more flexibility as they can select  health care services anywhere and choose their own physicians. Additionally,  HealthShare's monthly contributions are often lower than the high premiums and deductibles that come with traditional health insurance plans.

Some other insurance-related limitations do not apply to health sharing , such as being boxed into choosing from a small network of for-profit companies. Health sharing ministries are not-for-profit entities. Membership is the only thing that matters;  Providers are happy to hear that their patients are engaged in their healthcare -- committed to living active, healthy lifestyles, improving patient outcomes for providers. Additionally, health sharing members take care of the administrative burdens that take up time within a provider’s busy schedule. Our healthsharing community actively cares for themselves and others by sharing millions of dollars in medical expenses every month.

Are You Ready For A Change