Health Sharing Programs

Everything You Need To Know

We want to help you learn about health sharing. Discover how health insurance plans and health sharing ministries are similar and how they differ. Compare health share ministry programs. Read and compare health share reviews below.

If you are looking for an affordable healthcare solution, health care sharing might be a good alternative. Let us help you make an informed choice when it comes to your health care coverage.

Compare Reviews For Leading Health Share Plans

Christian Healthcare Ministries

Founded in 1981, CHM is available in all 50 states and around the world. Christian Healthcare Ministries does not work with a specific provider network — expenses must be eligible for sharing within program guidelines. 

3.6/5
3.6/5

Unite Health Share Ministries

UHSM offers a progressive approach to Christian medical health-sharing. UHSM facilitates member-to-member sharing of medical bills and enlists the First Health® PPO Network.

4.7/5
4.7/5

Liberty HealthShare

Started in 1995, Liberty HealthShare is the common name of Gospel Light Mennonite Church Medical Aid Plan, Inc. Liberty works with nearly 30,000 providers across the nation.

4.1/5
4.1/5

Top Christan Movies Streaming Now

Top Christian Businesses List

carl's jr. logo

Carl’s Jr.

An American fast food restaurant chain serving charbroiled burgers, chicken, burritos and more. The first two Carl’s Jr. locations opened in 1956. The company was founded by Carl and Margaret Karcher on Christian principles.

More »

Top Christan Podcasts Streaming Now

Greg Laurie logo

Harvest with Greg Laurie

The Greg Laurie Podcast delivers compelling, practical insights on faith, culture, and current events—with an emphasis on the saving power of the gospel message.

More »
RSS Bible Gateway’s Verse of the Day
  • Isaiah 43:11-12
    “I, even I, am the LORD, and apart from me there is no savior. I have revealed and saved and proclaimed— I, and not some foreign god among you. You are my witnesses,” declares the LORD, “that I am God.”

USHealthShare is here to provide you the information, reviews and comparisons on available health sharing plans. Get started with some great information. What is your zip code?

Frequently Asked Questions

Healthcare sharing, also known as health share or medical sharing, are health sharing programs for members who share Christian beliefs and commitments to living healthy. For many individuals and families, these programs are viable alternatives to traditional health insurance because they help alleviate the cost and expense of medical bills, while providing quality healthcare.

Medical Sharing and health share plans are not insurance, and medical expenses are not guaranteed. Instead, these programs facilitate the sharing among members, who voluntarily help one another with medical expenses. These plans are generally much more affordable than the cost of traditional health insurance.

Faith based health care, also known as Christian healthcare or medical sharing, is a health sharing program for members who share Christian beliefs and commitments to living healthy. For many individuals and families, these programs are viable alternatives to traditional health insurance because they help alleviate the cost and expense of medical bills, while providing quality healthcare.

Medical Sharing and health share plans are not insurance, and medical expenses are not guaranteed. Instead, these programs facilitate the sharing among members, who voluntarily help one another with medical expenses. These plans are generally much more affordable than the cost of traditional health insurance.

Christian healthcare, also known as health share or medical sharing, are health sharing programs for members who share Christian beliefs and commitments to living healthy. For many individuals and families, these programs are viable alternatives to traditional health insurance because they help alleviate the cost and expense of medical bills, while providing quality healthcare.

Medical Sharing and health share plans are not insurance, and medical expenses are not guaranteed. Instead, these programs facilitate the sharing among members, who voluntarily help one another with medical expenses. These plans are generally much more affordable than the cost of traditional health insurance.

Medical sharing or Christian healthcare ministries are relatively straightforward in the way they work. People of faith apply to be a member of the Christian healthcare share program and meet certain eligibility requirements. Once accepted, members choose the share program that best meets their medical and financial needs. Members then make a monthly contribution to the program based on the program chosen and receive a member ID card that reflects per-visit consult amounts and prescription costs from providers within the contracted networks. Before receiving medical services, Members present their member ID to the In-network provider and then pay any per-visit consult fee. When a member receives services for an eligible medical need, benefits are applied and a share request is submitted to the membership. Eligible medical needs are handled by the program in accordance with specific program guidelines.

Health sharing, or Medical sharing and Christian healthcare ministries, have been around since the 1980s. When the Affordable Care Act (ACA) was enacted many of these medical sharing programs were NOT subject to the individual mandate tax penalty, as they qualified as health coverage. With the 2019 reversal of the Obamacare tax penalty to $0, these health share programs, including emerging ministries, are exploding in popularity.

Although Christian health sharing is not insurance, it is recognized by the HHS as “coverage” and is a legitimate alternative to health insurance for many individuals and families. Members who choose health sharing are clearly advised that these programs are not health insurance.

Only you can determine that answer. So it’s important to gather as much information as possible so that you can make an informed decision. USHealthshare.com was founded in order to help you speak to licensed experts who can address any of your concerns and help you find the right healthcare for you and your family. Medical sharing is not for everyone, but does save money and fit the needs of many.

While health sharing programs help with healthcare costs, health sharing programs are not insurance plans. Health sharing entities are non-profit, charitable organizations that are designed to help members pay for medical expenses by utilizing funds from other members.

Health insurance plans must comply with the Affordable Care Act. This means that insurance health plans must accept all sorts of people with all sorts of medical issues. This can drive up the total cost of insurance plans and put comprehensive plans out of financial reach for many Americans.

Health share programs, on the other hand, are not bound by ACA requirements and therefore can be more selective in their approval of members, which can ultimately result in cost savings for the entire membership.

While health sharing programs help with healthcare costs, health sharing programs are not insurance plans. Health sharing entities are non-profit, charitable organizations that are designed to help members pay for medical expenses by utilizing funds from other members.

Health insurance plans must comply with the Affordable Care Act. This means that insurance health plans must accept all sorts of people with all sorts of medical issues. This can drive up the total cost of insurance plans and put comprehensive plans out of financial reach for many Americans.

Health share programs, on the other hand, are not bound by ACA requirements and therefore can be more selective in their approval of members, which can ultimately result in cost savings for the entire membership.

Each health sharing program is a bit different and benefits provided by each will vary based on the program and level chosen. Some common benefits include:
  • Annual wellness visits and preventive care
  • Visits to your primary care physician or specialists
  • Diagnostic imaging and lab services
  • Urgent care and emergency department visits
  • Hospitalization
  • Physical, occupational, and speech therapy
  • Outpatient hospitalization services
  • Durable medical equipment
  • Pharmacy services – many times high-quality prescription benefits that align with different tiers of drugs

Not all Christian healthcare programs offer benefits for these medical and pharmacy services, so it is important to carefully review and understand what your specific program covers.

Although Christian health sharing is not insurance, it is recognized by the HHS as “coverage” and is a legitimate alternative to health insurance for many individuals and families. Members who choose health sharing are clearly advised that these programs are not health insurance.

Although health sharing is not insurance, it is recognized by the HHS as “coverage” and is a legitimate alternative to health insurance for many individuals and families. Members who choose health sharing are clearly advised that these programs are not health insurance.

USHealthshare.com is not appointed with any ministry to sell a program, including Christian Healthcare Ministries, Medi-Share, Liberty Healthshare or other program ministries. Our site is purely to help users find the best health coverage information, and if desired, point users to licensed experts who can place individuals and families with a health share program.

Health share plans or Christian healthcare ministries are relatively straightforward in the way they work. People apply to be a member of the health share program and often need to meet certain eligibility requirements. Once accepted, members choose the share program that best meets their medical and financial needs. Members then make a monthly contribution to the program based on the program chosen. Before receiving medical services, Members present their member ID to the in-network provider and then pay any per-visit consult fees. When a member receives services for an eligible medical need, benefits are applied and a share request is submitted to the membership. Eligible medical needs are handled by the program in accordance with specific program guidelines. Health care sharing is not insurance, but the plans can count as insurance under the Affordable Care Act (ACA). 

Health share plans are relatively simple in the way they work. People apply to be a member of the healthcare share program and meet certain eligibility requirements. Once accepted, members choose the share program level that best meets their medical and financial needs. Members then make a monthly contribution to the program based on the program chosen. When receiving medical services, Members present their member information to the In-network provider and pay any per-visit consult fee. When a member receives services for an eligible medical need, benefits are applied and a share request is submitted to the membership. Eligible medical needs are paid by the program in accordance with specific program guidelines.

Medical sharing or Christian healthcare ministries are relatively straightforward in the way they work. People of faith apply to be a member of the Christian healthcare share program and meet certain eligibility requirements. Once accepted, members choose the share program that best meets their medical and financial needs. Members then make a monthly contribution to the program based on the program chosen and receive a member ID card that reflects per-visit consult amounts and prescription costs from providers within the contracted networks. Before receiving medical services, Members present their member ID to the In-network provider and then pay any per-visit consult fee. When a member receives services for an eligible medical need, benefits are applied and a share request is submitted to the membership. Eligible medical needs are handled by the program in accordance with specific program guidelines.

Health share plans are relatively simple in the way they work. People apply to be a member of the healthcare share program and meet certain eligibility requirements. Once accepted, members choose the share program level that best meets their medical and financial needs. Members then make a monthly contribution to the program based on the program chosen. When receiving medical services, Members present their member information to the In-network provider and pay any per-visit consult fee. When a member receives services for an eligible medical need, benefits are applied and a share request is submitted to the membership. Eligible medical needs are paid by the program in accordance with specific program guidelines.

Health share plans or Christian healthcare ministries are relatively straightforward in the way they work. People apply to be a member of the health share program and often need to meet certain eligibility requirements. Once accepted, members choose the share program that best meets their medical and financial needs. Members then make a monthly contribution to the program based on the program chosen. When receiving medical services, Members present their member ID to the in-network provider and then pay any per-visit consult fees. When a member receives services for an eligible medical need, benefits are applied and a share request is submitted to the membership. Eligible medical needs are handled by the program in accordance with specific program guidelines. Health care sharing is not insurance, but the plans can count as insurance under the Affordable Care Act (ACA).  Health share plans offer healthcare with a range of benefits that are typically more affordable and more flexible.

 

For those looking for a cost-effective and flexible alternative, health share plans may be a good alternative.

Health sharing ministries do not come with restrictions that are typical of the average health insurance plan. Instead, these ministries are much more flexible when it comes to the type of care you receive.

Further, health sharing ministries can be a great way for families to save a lot of money that otherwise would be paid into insurance deductibles and premiums. They’re also ideal for those who do not have employer-backed health insurance plans or who are not eligible for government subsidies to buy insurance.

Families that are looking for a more affordable way to receive healthcare benefits may find health sharing plans a much more cost-effective option. At the same time, members can be a part of an organization with other like-minded families while helping out others.

Health share insurance or healthsharing ministries are relatively straightforward in the way they work. People of faith apply to be a member of the Christian healthcare share program and meet certain eligibility requirements. Once accepted, members choose the share program that best meets their medical and financial needs. Members then make a monthly contribution to the program based on the program chosen and receive a member ID card that reflects per-visit consult amounts and prescription costs from providers within the contracted networks. Before receiving medical services, Members present their member ID to the In-network provider and then pay any per-visit consult fee. When a member receives services for an eligible medical need, benefits are applied and a share request is submitted to the membership. Eligible medical needs are handled by the program in accordance with specific program guidelines.

There are many health share providers each with varying programs options and benefits. Compare health share reviews and programs here.

There are many health share providers each with varying plan options and benefits. Compare health share reviews and plans here.

There are a number of health care sharing ministries. Each has varying plan options and benefits. Compare health share reviews and plans here.

Christian health insurance is better known as Christian health sharing. There are a number of health sharing ministries. Each has varying plan options and benefits. Compare health share ministry reviews and plans here.

Visit USHealthShare on Social Media