As the cost of traditional health insurance continues to soar, more Americans are choosing to make the switch to  health sharing. Today, millions of individuals and families participate in faith-based health sharing programs and are saving hundreds of dollars each month in the process.  

Even with its rising popularity,  health sharing may be a relatively new concept for many. To help you understand these innovative programs, here are answers to commonly asked questions about faith-based health sharing.  

How is  Health Sharing Different than Traditional Insurance? 

Health share programs operate as non-profits, and use a completely different model than traditional insurance, including ACA health plans. Health sharing isn’t subject to the same mandates and stringent regulations as traditional health plans, which allows more freedom for people to choose the healthcare services they want.  

In a  health share program, participants agree to share healthcare expenses across all members, which can often result in significantly lower monthly costs. Unlike traditional health plans and Obamacare,  health sharing also offers a close-knit community of people who share similar beliefs and who are there to support each other during challenging times. 

Who Can Join a Health Share Program? 

Health share welcome individuals and families who share similar  values and beliefs. Members also typically agree to embrace healthy lifestyle choices that can help keep costs low. 

Do  Health Sharing Programs Help Lower the Cost of Prescription Medications? 

Different f health sharing programs offer different approaches when it comes to prescription medication. When comparing health share programs, look for one that allows the cost of prescriptions to be distributed among members and/or one that offers discounts on prescription drugs. 

Will I Be Able to Choose My Own Doctor with Health Sharing? 

Many health sharing programs offer a wide nationwide network of providers, which means you’ll have the freedom and flexibility to choose the doctor and provider you want. 

Do  Health Sharing Programs Accept Members with Pre-Existing Conditions?  

Health share programs vary in what pre-existing medical conditions they accept. In many instances, members of a  health share program will decide whether to “cover” someone’s medical condition, and there may be a waiting period while the decision is being made.  

However, keep in mind that people who have pre-existing conditions do participate in  health care sharing that some health sharing programs will even provide access to services that can help manage chronic conditions. So don’t rule yourself out. 

What If I Fall Ill or Have an Accident? 

Life happens. It’s a good idea to look for a  health sharing ministry program that offers options to help with the costs of long-term illness and unexpected accidents. As part of a  community of people who agree to look out for one another, you’ll have the support of your fellow members. 

How Do I Choose the Right  Health Share Program? 

There are a wide range of  health sharing  out there and choosing the right one can feel overwhelming. To start, look for reputable, established health sharing programs that have independent 501(c)(3) nonprofit status, and that are based onvalues that align with yours. 

Other factors to consider when researching health care sharing programs include monthly costs and deductibles; the size of the provider network; availability of telehealth options, wellness programs, and preventative care; limits on provider visits and cost per visit; and options for discounts on medications, vision and dental services.