What is a Health Share?
Health sharing programs have become a popular, low-cost alternative to traditional health insurance. A Health Share is a community of people who voluntarily share medical expenses with one another.
Unlike conventional insurance—which typically pays only a percentage of costs after you meet your deductible—Health Shares are designed to cover up to 100% of eligible medical expenses once you’ve paid your initial member responsibility amount.
What is a Health Share UA and how does it work?
Members choose their Unshared Amount (UA) - the portion they’re responsible for when a medical need occurs. You can select from three flexible options: $1,500, $2,500, or $5,000.
Unlike a traditional insurance deductible, you only pay one UA per incident, no matter how many eligible medical services are involved. This gives you predictable costs and greater peace of mind when unexpected health needs arise.
Health Shares also cover holistic and alternative medical treatments, giving members more freedom and flexibility than traditional insurance plans typically allow.
How Sharing Works
Submit a Sharing Request
When you have a medical event, open a request so the community knows how to support you.
Present as a Self-Pay Patient
The Health Share is not insurance — you pay as a self-pay patient and request itemized bills plus available discounts.
Share with the Community
Eligible expenses above your UA are shared among members, and we help coordinate payment to your provider.
Health Share fills the gaps.
Pair your Preventive Care plan with a Health Share membership for complete protection and peace of mind. As a member, you’ll gain the confidence of knowing that major medical events, such as hospitalizations, surgeries, and maternity needs , can be shared within the community.
ShareWell is a nonprofit Health Share program that provides a structured, organized way for members to help cover each other’s eligible medical costs. It’s the ideal complement to any of our Preventive Care plans, giving your family an added layer of security when unexpected medical needs arise.
Health Share is value-based healthcare.
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Accepting – Membership is available to people of all faiths
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Accessible – Membership is available regardless of health conditions (subject to limitation)
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Efficient – Medical prices are transparent and can be paid at time of service or processed within 7 days of submission
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Organized for members to pay qualified medical expenses
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Affordable 40% – 60% less expensive than insurance
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Greater freedom to choose treatment options and providers
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Designed to restore the patient/doctor relationship
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
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Been diagnosed
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Taken medication
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Had symptoms
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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:
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Year One: $0 (12 month waiting period)
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Year Two: $30,000 maximum per need request
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Year Three: $60,000 maximum per need request
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Year Four : $150,000 maximum per need request
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Year Five : The sharing maximum is removed for pre-existing conditions.