Health Share Plans Comparison: Best Options Ranked for 2026
Finding an alternative to traditional health insurance has never been more urgent. With ACA premiums set to spike by up to 146% in some states and subsidy cuts threatening millions of Americans, health share plans offer a practical escape route.
But not all health shares are created equal.
Some excel at catastrophic coverage. Others win on wellness benefits. A few now pair with HSAs for tax advantages. And one stands alone in covering functional medicine, peptides, and alternative therapies most plans won't touch.
We evaluated 13 major health share plans across six critical criteria: coverage breadth, monthly cost, faith requirements, processing speed, member satisfaction, and technology infrastructure. This guide breaks down what each plan actually covers, what it costs, and who it's best for.
How We Evaluated These Plans
Coverage Breadth
We assessed what's actually covered beyond basic catastrophic care. Does the plan share costs for wellness visits, preventive care, maternity, alternative medicine, functional treatments, or prescription drugs? Plans ranged from bare-bones catastrophic coverage to comprehensive functional medicine benefits.
Monthly Pricing
We compared individual rates for non-tobacco users ages 30-39 with mid-tier deductibles ($2,500-$5,000). Real pricing matters. Some plans look cheap until you add what you actually need.
Faith Requirements
Health share plans originated as Christian ministries. Today, options range from strict faith statements requiring church attendance to completely secular models. We flagged what each plan requires so you know before you apply.
Processing Time
When you submit a need, how fast does it get processed? We tracked industry reports and member feedback. Range: 3-5 days (fastest) to 30-45 days (slowest).
Member Reviews
We analyzed satisfaction ratings, BBB scores, and independent reviews. Medi-Share leads at 98% satisfaction. Newer plans like Gabriel Care and CrowdHealth earn high marks for transparency and speed.
Technology Infrastructure
Does the plan have an app? AI-powered support? Digital need submission? Telehealth? We noted which plans modernized the experience versus which still rely on fax machines and phone trees.
Quick Comparison: All Plans Side by Side
| Plan | Monthly Cost* | Faith Required | Wellness Coverage | Alt Medicine | Processing | Max Benefit | Technology |
|---|---|---|---|---|---|---|---|
| Gabriel Care | $249 | No | Up to $600/mo ($1,500 on Gabriel Care+) | ✅ Best (peptides, cannabis, psychedelics, IV) | 7-14 days | Unlimited catastrophic | AI advisor, app |
| JHS Community | $126-$307 | Statement of values | $500-$2,000/year | ❌ No | 14-21 days | $250K-$1M/year | Basic portal |
| Medi-Share | $227-$405 | Yes (statement of faith) | Included | Limited | 10-20 days | $1M+ per incident | App, telehealth |
| HSA Secure | $170-$295 | No | Preventive MEC included | ✅ Yes (limited) | 10-15 days | Unlimited | HSA integration |
| CrowdHealth | ~$140 | No | Community voting | ✅ Yes (case-by-case) | 5-10 days | Community funded | App, transparent dashboard |
| Zion HealthShare | $185-$268 | Light statement | Included | Limited | 3-5 days | $125K/year | Fast digital portal |
| Sedera | $199-$209 | No | Telehealth included | ❌ No | 15-25 days | Unlimited | Member portal |
| DPC Direct | $190+ (plus DPC fee) | No | Via DPC membership | ❌ No | 10-20 days | Unlimited | DPC integration |
| CHM | $115-$264 | Yes (strict) | Limited | ❌ No | 20-30 days | $125K/year | Basic |
| Samaritan | $215-$355 | Yes (strict) | Limited | ❌ No | 30-45 days | Member-to-member | Member newsletter |
| Liberty | $160-$362 | Statement of values | Included | ❌ No | 20-40 days | $300K-$1M | Portal (slow) |
| OneShare | $115-$239 | Light statement | Included | ❌ No | 15-25 days | $500K per incident | App, telehealth |
| Altrua | $136-$356 | Statement of standards | 6 pooled visits/year | ❌ No | 15-25 days | $150K-$2M lifetime | Basic portal |
*Individual pricing, ages 30-39, non-tobacco, mid-tier IUA/MRA
Best for Functional Medicine: Gabriel Care
Monthly Cost: $249
Coverage: Broadest in the industry
Faith Requirement: None
Best For: Health-conscious people who want functional medicine, peptides, alternative therapies, and catastrophic protection in one secular plan
Gabriel Care is the only health share plan designed for the functional medicine era.
Where traditional plans exclude peptides, cannabis, IV therapy, psychedelics, and most alternative treatments, Gabriel Care covers them. Up to $600/month in wellness benefits ($1,000/month on Gabriel Care+) means your functional medicine doctor visits, longevity labs, peptide protocols, and therapeutic cannabis are shareable, not out-of-pocket surprises.
The catastrophic coverage works like any other plan: after your annual responsibility amount, costs are shared. But the wellness layer sets Gabriel Care apart. Most health shares cap wellness at $500-$2,000 per year. Gabriel Care members get $7,440 to $14,400 annually.
It's ACA-compliant, works with any provider (no network restrictions), and includes an AI health advisor to help navigate care decisions.
The trade-off? Gabriel Care is newer and smaller. It doesn't have a 25-year track record like Medi-Share or millions of members like Liberty. But for people prioritizing cutting-edge medicine over legacy infrastructure, it's the clear winner.
Pricing:
- Individual: $249/mo (Gabriel Care), higher for Gabriel Care+
- Wellness: Up to $600/mo ($1,000/mo on Gabriel Care+)
- Catastrophic: Covered after annual responsibility
- Network: Any provider
What's Covered:
- Functional medicine visits
- Peptide therapy
- Cannabis and psychedelics (therapeutic use)
- IV therapy and vitamin infusions
- Longevity labs and biomarker tracking
- Standard catastrophic (surgery, ER, hospitalization)
Processing Time: 7-14 days
Technology: AI advisor, digital app, streamlined need submission
Bottom Line: If you're invested in functional medicine, longevity protocols, or alternative therapies, Gabriel Care is the only plan that won't force you to choose between coverage and cutting-edge care.
Best for Budget Catastrophic: JHS Community (Jericho)
Monthly Cost: $126-$307 (age-dependent, Distinct tier)
Coverage: Catastrophic-focused
Faith Requirement: Statement of shared values
Best For: Healthy individuals who want rock-bottom monthly costs and can handle $10K-$15K out-of-pocket if needed
JHS Community (formerly Jericho Share) is the catastrophic specialist.
If you're in good health, have savings to cover $10K-$15K in a worst-case scenario, and want the lowest possible monthly cost, JHS delivers. Pricing starts at $126/month for young, healthy individuals on the Distinct tier with a $10,000 member responsibility amount (MRA).
Three tiers available:
Distinct: Shares 50% of the next $10K after MRA, then 100%. Max annual sharing: $250K. Lowest cost, highest out-of-pocket exposure.
Diverse: Shares 80% of the next $10K after MRA, then 100%. Max annual sharing: $750K. Adds maternity ($8K limit).
Dynamic: Shares 100% after MRA. Max annual sharing: $1M. Includes maternity ($12K limit).
All tiers include wellness benefits ($500-$2,000/year), limited office visits (4-12/year depending on tier), and access to the MultiPlan PHCS network (1M+ providers).
What It Won't Cover: Alternative medicine, peptides, comprehensive primary care, or low-deductible needs. This is a catastrophic safety net, not a comprehensive health plan.
Pricing Example (Age 30-39, Non-Tobacco):
- Distinct, $5K MRA: $177-$237/mo (individual to family)
- Diverse, $5K MRA: $230-$354/mo
- Dynamic, $10K MRA: $152-$246/mo
Processing Time: 14-21 days
Technology: Basic member portal, nothing fancy
Bottom Line: Best value for catastrophic-only coverage if you're healthy, have emergency savings, and want to keep monthly costs under $200.
Best for Christians: Medi-Share
Monthly Cost: $227-$405 (individual, age-dependent)
Coverage: Comprehensive, faith-based
Faith Requirement: Yes (statement of Christian faith)
Best For: Christians who want a trusted, established health share with a 25-year track record and 98% member satisfaction
Medi-Share is the gold standard for faith-based health sharing.
Operating since 1993, it's the largest Christian health share ministry with over 400,000 members and $7 billion in shared medical bills. Member satisfaction sits at 98%, the highest in the industry. When you call, you reach a person who prays with members.
Coverage is comprehensive: preventive care, office visits, hospitalization, surgery, maternity, emergency room, prescription discounts, and telehealth. Medi-Share uses the PHCS PPO network (700,000+ providers).
You choose an Annual Household Portion (AHP) from $1,000 to $10,500. After that, eligible needs are shared at 100%. Programs range from basic catastrophic to comprehensive family plans.
Faith Requirement: Members sign a statement of Christian faith and agree to biblical principles on lifestyle (no tobacco, limited alcohol, no illicit drugs).
What Sets It Apart:
- 25-year operational history
- $7B+ in shared medical bills
- 98% member satisfaction
- Dedicated member support (prayer-based customer service)
- Strong financial reserves
Pricing Example (Individual, Age 30-39):
- Varies by AHP selection ($1K-$10.5K)
- Monthly share: $227-$405
- Preventive care and wellness included
Processing Time: 10-20 days
Technology: Member app, telehealth, digital need submission
Bottom Line: If you want a mature, faith-centered health share with proven longevity and Christian community, Medi-Share is the safest bet.
Best for HSA Compatibility: HSA Secure
Monthly Cost: $170-$295 (individual)
Coverage: HSA-qualified MEC + health sharing
Faith Requirement: None
Best For: Self-employed individuals and small business owners who want to max out HSA tax benefits while keeping health costs low
HSA Secure is the only health share designed specifically to unlock Health Savings Account tax advantages.
It combines a qualified Minimum Essential Coverage (MEC) preventive plan with Zion HealthShare's catastrophic sharing. The MEC component covers all ACA-required preventive care, making you HSA-eligible. You can then contribute up to $4,300/year (individual) or $8,550/year (family) to your HSA, deducting it from taxable income.
Tax Math: If you're in the 24% tax bracket and max out your HSA at $4,300, you save ~$1,000/year in taxes. That nearly pays for the MEC component.
Initial Unshareable Amounts (IUA) range from $500 to $5,000. After your IUA, 100% of eligible costs are shared with no annual limit.
What's Included:
- HSA-qualified MEC (preventive care, screenings, immunizations)
- Catastrophic health sharing (surgery, ER, hospitalization)
- 24/7 virtual care (medical + mental health)
- 1,000+ medications at $0-$15
- Unlimited mental health sessions
- Personal concierge support
Eligibility: Self-employed, independent contractors, small business owners. Not available to W-2 employees without business income.
Pricing Example:
- $170-$295/mo depending on age and IUA selection
- Add ~$1,000/year in tax savings from HSA contributions
Processing Time: 10-15 days
Technology: HSA integration, digital portal, telehealth
Bottom Line: If you qualify (self-employed or small business), HSA Secure delivers the lowest effective cost after tax savings. Best for maximizing tax efficiency.
Best Crowdfunding Model: CrowdHealth
Monthly Cost: ~$140 (average)
Coverage: Community-voted crowdfunding
Faith Requirement: None
Best For: People who value transparency, want full visibility into where their money goes, and prefer community voting over traditional sharing rules
CrowdHealth flipped the health share model on its head.
Instead of opaque "sharing guidelines" and black-box processing, CrowdHealth operates as a transparent crowdfunding platform. Members pay a low monthly fee (~$140 average). When someone has a medical bill, the community sees it and votes to fund it.
Bills are negotiated down (often 40-60% off hospital charges), then crowdfunded among members. You see exactly where your dollars go. No faith statements, no morality clauses, no pre-existing condition waiting periods (though new members phase in gradually).
How It Works:
- Member incurs medical expense
- CrowdHealth negotiates bill with provider
- Community votes to crowdfund
- Bill gets paid from member pool
What's Covered: Anything the community votes to fund. In practice: ER visits, surgery, hospitalization, imaging, labs. Preventive care and routine visits are typically member-paid (use telehealth or cash-pay clinics).
What Sets It Apart:
- Complete transparency (see every bill and vote)
- No faith requirements
- No pre-existing condition exclusions (phased sharing)
- Fast processing (5-10 days)
- Modern app with full visibility
Pricing: ~$140/mo average, varies by age and health
Processing Time: 5-10 days
Technology: Best-in-class app, transparent dashboard, digital voting
Bottom Line: If traditional health shares feel like black boxes and you want full transparency, CrowdHealth is the modern alternative. Works best for people comfortable with crowdfunding dynamics.
Best for Fast Processing: Zion HealthShare
Monthly Cost: $185-$268 (individual, age-dependent)
Coverage: Comprehensive with fast turnaround
Faith Requirement: Light statement of shared beliefs
Best For: People who need fast claim processing and don't want to wait 30+ days for bill sharing
Zion HealthShare wins on speed.
Processing times average 3-5 days, the fastest in the industry. When you submit a need, you're not waiting a month for approval. Zion's digital infrastructure handles needs quickly and pays providers directly.
Coverage is comprehensive: preventive care, office visits, urgent care, ER, hospitalization, surgery, maternity, labs, imaging, and prescription discounts. Uses the PHCS network (700,000+ providers).
Choose an Initial Unshareable Amount (IUA) from $1,000 to $5,000. After your IUA, 100% of eligible costs are shared up to $125,000/year.
What's Included:
- Preventive care (annual wellness, screenings)
- Office and urgent care visits
- ER and hospitalization
- Surgery (inpatient and outpatient)
- Maternity (after 9-month waiting period)
- Labs and imaging
- Prescription discounts (via RX Share add-on)
- Telehealth
Faith Requirement: Light statement of shared ethical beliefs (not strict Christian requirement).
Pricing Example (Individual, Age 30-39):
- $1K IUA: $268/mo
- $2.5K IUA: $220/mo
- $5K IUA: $185/mo
Processing Time: 3-5 days (fastest in industry)
Technology: Fast digital portal, streamlined need submission
Bottom Line: If you hate waiting and want fast claim processing, Zion is the clear winner. Comprehensive coverage with minimal delay.
Best for Secular Coverage: Sedera
Monthly Cost: $199-$209 (individual, lower with direct debit)
Coverage: Secular, flexible IUA, good pre-existing policy
Faith Requirement: None
Best For: People who want a secular health share with strong pre-existing condition coverage and no religious requirements
Sedera is the established secular option.
No faith statements. No church attendance. No morality clauses. Open to anyone medically qualified. It's one of the most flexible health shares for people who want coverage without religious affiliation.
Pre-Existing Conditions: Industry-leading policy. Fully shareable after 36 months of membership. Year 2: $25K cap. Year 3: $50K cap. Year 4+: $125K/year. Most plans make you wait longer or exclude pre-existing conditions entirely.
Coverage: Catastrophic focus with telehealth, expert second opinions, and wellness support. No provider network restrictions (use any doctor or hospital). IUA options from $1,000 to $10,000.
What's Included:
- ER and hospitalization
- Surgery (inpatient and outpatient)
- Imaging and labs
- Maternity (after 12-month waiting period, subject to 2x IUA)
- 24/7 telehealth (not subject to IUA)
- Expert second opinions
- Wellness resources
Pricing Example:
- $209/mo standard billing
- $249/mo with direct bank debit (auto-discount)
Processing Time: 15-25 days
Technology: Member portal, telehealth access
Bottom Line: Best secular option if you have pre-existing conditions or want flexibility without religious requirements. Strong 36-month pre-existing policy.
Best for Direct Primary Care: DPC Direct
Monthly Cost: $190+ (plus separate DPC membership)
Coverage: Pairs DPC membership with catastrophic sharing
Faith Requirement: None
Best For: People already enrolled in Direct Primary Care who want catastrophic protection layered on top
DPC Direct is a specialized health share for people in Direct Primary Care (DPC) programs.
DPC is a membership-based primary care model where you pay $50-$150/month directly to your primary care doctor for unlimited visits, same/next-day appointments, extended consultations, and most labs. DPC doesn't cover ER, hospitalization, or surgery. That's where DPC Direct comes in.
Pair your DPC membership ($50-$150/mo) with DPC Direct ($190+/mo) for comprehensive coverage:
- DPC: Covers primary care, preventive visits, most labs, chronic disease management
- DPC Direct: Covers ER, hospitalization, surgery, imaging, catastrophic events
IUA Options: $1,000, $2,500, or $5,000. After IUA, eligible needs are shared at 100% with no annual limit.
What's Covered by DPC Direct:
- ER visits
- Hospitalization
- Surgery (inpatient and outpatient)
- Imaging and advanced labs (not covered by DPC)
- Maternity (subject to 2x IUA)
- Specialists (when referred outside DPC)
Pre-Existing Conditions: 1-year waiting period, phased sharing (Year 2: $25K, Year 3: $50K, Year 4+: $125K/year).
Total Monthly Cost Example:
- DPC membership: $80-$120/mo
- DPC Direct: $190-$250/mo
- Total: $270-$370/mo for comprehensive primary + catastrophic
New for 2026: DPC memberships under $150/mo (individual) or $300/mo (family) are now HSA-eligible. You can pay DPC fees with pre-tax HSA dollars.
Processing Time: 10-20 days
Technology: Integrates with DPC providers, digital portal
Bottom Line: If you love your DPC doctor and want catastrophic protection, DPC Direct is the perfect pairing. Best for people who value relationship-based primary care and want to layer sharing on top.
Full Comparison Table
| Plan | Monthly Cost (30-39, individual) | Faith Requirement | Wellness Coverage | Alternative Medicine | Processing Time | Max Annual Benefit | Lifetime Max | Network | Technology | Pre-Existing Waiting |
|---|---|---|---|---|---|---|---|---|---|---|
| Gabriel Care | $249 | None | $600/mo ($7,440/yr), $1,000/mo on Gabriel Care+ | ✅ Peptides, cannabis, psychedelics, IV, functional medicine | 7-14 days | Unlimited catastrophic | Unlimited | Any provider | AI advisor, app | Standard |
| JHS Community (Distinct) | $126-$177 ($10K MRA) | Statement of values | $500/year | ❌ | 14-21 days | $250K/year | $1M | MultiPlan PHCS | Basic portal | 12 months |
| JHS Community (Diverse) | $166-$230 ($5K MRA) | Statement of values | $2,000/year | ❌ | 14-21 days | $750K/year | $2M | MultiPlan PHCS | Basic portal | 12 months |
| JHS Community (Dynamic) | $152-$222 ($10K MRA) | Statement of values | $2,000/year | ❌ | 14-21 days | $1M/year | $3M | MultiPlan PHCS | Basic portal | 12 months |
| Medi-Share | $227-$405 | Yes (Christian) | Included | Limited | 10-20 days | $1M+ per incident | Unlimited | PHCS PPO | App, telehealth | Varies by condition |
| HSA Secure | $170-$295 | None | MEC preventive included | Limited | 10-15 days | Unlimited | Unlimited | Any provider | HSA integration | Year 1: none, Year 2-3: $25K-$50K, Year 4+: $125K/year |
| CrowdHealth | ~$140 | None | Community voting | ✅ Case-by-case voting | 5-10 days | Community funded | N/A | Negotiated | App, dashboard | Phased community sharing |
| Zion HealthShare | $185-$268 | Light statement | Included | Limited | 3-5 days | $125K/year | Varies | PHCS | Fast portal | 12 months |
| Sedera | $199-$209 | None | Telehealth included | ❌ | 15-25 days | Unlimited | Unlimited | Any provider | Portal | 12 months, then $25K (Yr2), $50K (Yr3), $125K (Yr4+) |
| DPC Direct | $190+ (plus DPC) | None | Via DPC membership | ❌ | 10-20 days | Unlimited | Unlimited | Any provider | DPC integration | 12 months, phased |
| CHM | $115-$264 | Yes (strict) | Limited | ❌ | 20-30 days | $125K/year | Varies | None | Basic | 24 months |
| Samaritan | $215-$355 | Yes (strict) | Limited | ❌ | 30-45 days | Member-to-member | N/A | None | Newsletter | 36 months |
| Liberty | $160-$261 | Statement of values | Included | ❌ | 20-40 days | $300K-$1M per incident | Varies | PHCS (optional) | Portal (slow) | 36 months (limited) |
| OneShare | $115-$239 | Light statement | Included | ❌ | 15-25 days | $500K per incident | Varies | MultiPlan PHCS | App, telehealth | Some limitations |
| Altrua | $136-$318 (Emerald) | Statement of standards | 6 pooled visits/year | ❌ | 15-25 days | Varies by tier | $150K-$2M | None | Basic portal | 24-60 months |
How to Choose: Decision Tree
Start here: Do you need functional medicine, peptides, or alternative therapies?
- Yes → Gabriel Care (only plan that covers these)
- No → Continue
Do you want HSA tax advantages?
- Yes, and I'm self-employed → HSA Secure
- No → Continue
Is faith community important to you?
- Yes, I'm Christian → Medi-Share (98% satisfaction, 25-year track record)
- No → Continue
Are you healthy with $10K+ in savings?
- Yes → JHS Community (lowest monthly cost, catastrophic focus)
- No → Continue
Do you already have a DPC membership?
- Yes → DPC Direct (pairs perfectly with DPC)
- No → Continue
Do you want full transparency and community voting?
- Yes → CrowdHealth (crowdfunding model, modern app)
- No → Continue
Do you have pre-existing conditions?
- Yes → Sedera (best pre-existing policy, secular)
- No → Continue
Do you need fast claim processing (under 1 week)?
- Yes → Zion HealthShare (3-5 day processing)
- No → Continue
Default recommendation:
- Secular, comprehensive, modern → Sedera or CrowdHealth
- Faith-based, comprehensive, proven → Medi-Share
- Budget catastrophic → JHS Community or OneShare
Frequently Asked Questions
Q: Are health share plans the same as health insurance?
No. Health share plans are not insurance. They're voluntary communities where members share medical costs. They're exempt from ACA regulations, which means they don't have to cover pre-existing conditions, preventive care, or essential health benefits. However, they also cost 40-60% less than unsubsidized ACA plans and offer more provider flexibility.
Q: Do health share plans cover pre-existing conditions?
Most impose waiting periods (12-36 months). Sedera has the most generous policy: fully shareable after 36 months with phased caps ($25K year 2, $50K year 3, $125K year 4+). CrowdHealth uses community voting (no hard exclusions but phased sharing for new members). Gabriel Care and Medi-Share handle on a case-by-case basis.
Q: Can I use a health share plan with my doctor?
Most plans let you use any licensed provider. Plans with preferred networks (JHS, Medi-Share, OneShare, Zion) use MultiPlan PHCS (700K-1M providers) but don't require network use. Out-of-network may mean higher out-of-pocket costs or slower reimbursement. Gabriel Care, Sedera, HSA Secure, and CrowdHealth have no network restrictions.
Q: How do health shares handle maternity?
Waiting periods range from 9-12 months before conception. Sharing limits vary: JHS Dynamic ($12K), Medi-Share (varies by plan, often $20K+), DPC Direct and Sedera (2x IUA applied). Gabriel Care covers maternity as part of wellness/catastrophic benefits. CHM and Samaritan have strict limitations.
Q: What happens if the health share goes bankrupt?
This is the biggest risk. Health shares are not FDIC-insured or state-regulated like insurance. Medi-Share (25 years, $7B shared, strong reserves) and Samaritan (30+ years) have the longest track records. Newer/smaller plans (Gabriel Care, CrowdHealth) have less history but modern infrastructure. Liberty faced legal challenges and slow payments in recent years. Always research financial stability before joining.
Q: Can I pair a health share with an HSA?
Yes, if the plan qualifies. HSA Secure is the only plan purpose-built for HSA compatibility. JHS Community can be paired with an HSA MEC add-on. As of 2026, DPC memberships under $150/mo (individual) or $300/mo (family) are HSA-eligible, making DPC Direct + HSA possible. Traditional health shares alone do NOT qualify as HDHPs, so you can't contribute to an HSA without adding a qualifying MEC component.
Image Placeholder 1: [Comparison chart showing monthly costs across all plans for ages 30-39]
Image Placeholder 2: [Processing time visualization: fastest (Zion 3-5 days) to slowest (Samaritan 30-45 days)]
Image Placeholder 3: [Coverage breadth matrix: catastrophic only vs comprehensive wellness vs functional medicine]
Final Verdict
Health share plans aren't one-size-fits-all.
Best Overall for Functional Medicine: Gabriel Care. If you're invested in peptides, cannabis, psychedelics, or functional medicine, it's the only plan that won't force you to pay out-of-pocket.
Best for Budget Catastrophic: JHS Community. Lowest monthly cost if you're healthy and want bare-bones catastrophic protection.
Best for Christians: Medi-Share. 25 years, 98% satisfaction, $7B shared. The gold standard for faith-based sharing.
Best for HSA Savers: HSA Secure. Purpose-built for tax advantages. Self-employed or small business owners save ~$1,000/year in taxes.
Best for Transparency: CrowdHealth. Modern, secular, community-voted. See every bill and vote.
Best for Speed: Zion HealthShare. 3-5 day processing, comprehensive coverage.
Best for Secular + Pre-Existing: Sedera. No faith requirement, best pre-existing policy (36-month phased sharing).
Best for DPC Members: DPC Direct. Pairs perfectly with Direct Primary Care for comprehensive coverage.
The right plan depends on what you prioritize: coverage breadth, cost, speed, faith alignment, or specialty needs like functional medicine. Use the decision tree above to narrow your options, then request quotes from your top 2-3 choices.
Health sharing isn't perfect. But with ACA premiums spiking and subsidies disappearing, it's the most viable alternative for millions who can't afford $1,000/month in premiums for a plan they'll never use.
Choose wisely. Your health and wallet depend on it.