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is healthcare

Restoring the patient/doctor relationship while saving you money.

What is a HealthShare?

HealthShare programs have grown as a low-cost alternative to health insurance. A HealthShare is a group of people who have agreed to help each other with medical costs.


While insurance companies usually pay a percentage of medical costs after the deductible, HealthShares will share

up to 100% of medical expenses after the initial unsharable amount (IUA) or member responsibility amount is paid.


What is a HealthShare IUA and how does it work?

Members will select an Initial Unshareable Amount, IUA. This is the amount members are responsible for paying when a medical need occurs. There are multiple IUA options to choose from: $1000, $2500, or $5000. Unlike a traditional insurance deductible, members pay a single IUA for all eligible medical expenses, per incident.

This offers members some reassurance for unforeseen medical needs.

HealthShare also shares in holistic and alternative medical treatments, allowing members freedom from the constraints of traditional health insurance.

HealthShare fills the gaps.

Pair your Preventative MEC Plan and HSA with a HealthShare membership for a comprehensive healthcare solution. As a HealthShare member, you'll feel confident knowing any large medical events like hospitalizations, surgeries, and maternity needs can be shared shared. HealthShare is a nonprofit medical HealthShare program that provides an organized structure for members to contribute toward each other’s medical costs. This alternative solution is the perfect addition to any of our health plans. Have peace of mind knowing your family has a plan for unexpected medical needs.

HealthShare is value-based healthcare.

Accepting – Membership is available to people of all faiths

  • Accessible – Membership is available regardless of health conditions (subject to limitation)

  • Efficient – Medical prices are transparent and can be paid at time of service or processed within 7 days of submission 

  • Organized for members to pay qualified medical expenses

  • Affordable 40% – 60% less expensive than insurance 

  • Greater freedom to choose treatment options and providers 

  • Designed to restore the patient/doctor relationship 

We offer a nonprofit alternative to traditional health insurance. Since 2019, we have shared over $18 million in medical expenses for our members, saving them 40-60% on their overall healthcare costs. We are a great, affordable healthcare option for thousands of families in the United States. 


Example of family medical expenses during a year

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Preventative Service Guide
Pre Existng Medical Conditions Guide

Preventive Services Guide

  • Annual Provider Visit shareable upon membership activation up to $250 may be used for preventive visits & specialist visits.

  • Colonoscopies are shareable after six months of continuous membership. Colonoscopies are shareable every 10 years starting at age 45

  • Mammograms A yearly preventive mammogram is shareable beginning at age 50

  • Youth Immunizations (up to 18 years old) are shareable after six months of continuous membership

  • Well Child Visits and their associated immunizations are shareable Zion Health will share in up to six (6) well child visits before the age of 12 months, three (3) between 12 months and 24 months, and two (2) between 24
    months and 36 months.


Pre-Existing Medical Conditions Guide

A preexisting medical condition is any illness or injury for which a person has been examined within the last 24 months

  • Been diagnosed

  • Taken medication

  • Had symptoms

  • Received medical treatment


*IMPORTANT NOTE: Preexisting Exceptions – High Blood Pressure, High Cholesterol, and Diabetes (types 1 and 2) will not be considered preexisting medical conditions as long as the member has not been hospitalized for the condition in the 12 months prior to enrollment and is able to control it through medication or diet. 


Pre-Existing Condition Phase-In Period

shareable amounts for pre-existing medical conditions: 

  • Year One: $0 (12 month waiting period)

  • Year Two: $25,000 maximum per need request

  • Year Three: $50,000 maximum per need request

  • Year Four & Plus Years : $125,000 maximum per need request

Pre-Existing Phase-In-Period Conditions
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