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Healthshare plans are not offered by insurance companies, but rather by recognized medical cost sharing organizations, sometimes called Health Care Sharing Ministries (HCSMs). To qualify, these organizations have been in existence and sharing medical expenses continuously and without interruption since December 31, 1999. They must be set up as a non-profit 501(c) organization.
Because these programs are not insurance, they do not fall under state and federal regulations governing health insurance.
Members of HCSMs pay a monthly contribution which goes into an escrow account, and it is that money that is used to pay qualified medical needs.
All You Need To Know About Healthshare Plans
Our Customers Have a Lot to Say.
We’ve helped over 16 thousand people find health insurance—each customer gets the same quality service.
In my state, there is only 1 provider left, and they were asking for an astronomical increase in premium that I was afraid I would not be able to afford and still pay my bills. It’s not good to be the only game in town, because without competition they can charge whatever they want without caring about the people they are supposed to be serving, so again, thank you for giving me an option called healthshare programs.
I am very pleased with information and options I could discuss with Justin.
My wife and I were facing premiums with Florida Blue that were increasing to $22,000 this next year. With the healthshare plans we chose, we are saving over $9000!!! The healthcare sharing plan covers us on travel which is huge for us. You are running a great service providing options for healthcare.
Considerably More Affordable
There are several reasons for this. The first is that because healthshare programs will not cover pre-existing conditions for at least two years, the people joining healthshare programs are, on average, much healthier than those buying health insurance.
Healthshare programs are also not required to cover birth control, preventive care, and many of the other essential benefits required under the Affordable Care Act.
Special Requirements and Conditions
Unlike health insurance plans, healthshare plans are not required to cover pre-existing conditions. In most cases, there will be at least a two year period before pre-existing conditions are covered.
They also generally do not cover cancer for the first 12 months of the program, and most have a lifetime limit of $1,000,000 in cost sharing.
Because healthshare programs are offered by faith-based groups, they also often have additional rules and restrictions. Some do not accept smokers, most do not cover for drug rehabilitation, and some require that you attend church regularly.
They also all have a statement of faith that you must sign. Some are Christian-based, and others are non-denominational.
Please read the details thoroughly, so you understand any restrictions on the program you choose.
Available Healthshare Plans
You can apply online, or contact us for free expert assistance.
We’ve also answered the frequently asked questions about healthshare programs on our Healthshare FAQ page. If you’d like even more detailed information, request a copy of our free special report, How Smart Consumers are Opting Out of Obamacare and Slashing Their Costs by Joining Healthshare Programs here.
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Disclaimer: All information on this website is relayed to the best of the Company's ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of actual price is subject to Carriers.