Healthsharing organizations typically require members to agree to live healthy and responsible lifestyles, and to abstain from drug abuse or excessive alcohol consumption.

Healthsharing plans also typically do not share costs related to illegal drug overdoses, addictions treatment, suicide and self harm, nor costs arising from injuries incurred in the consumption of a crime.

Most health sharing plans provide very limited sharing for costs related to inpatient mental health care, though some plans pay for some counseling and therapy costs.

It’s important your employees understand these limitations before dropping traditional health insurance for a healthsharing plan.