The 10 Best HealthShare Plans in 2023

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The HealthShare industry is always changing; whether it be new programs, policies, or pricing, important changes are made that affect new and current members alike. Now that a year has passed since HealthShare Guide last gave a rundown on the top ten HealthShare plans, it is time to see what has changed and make recommendations on the best memberships available from each HealthShare featured on the website.

Terms to be familiar with

These recommendations will use terms like personal responsibility amounts, co-share amounts, and individual and family memberships. The terms are:

  • Personal responsibility
  • Co-share
  • Maximum co-share
  • Individual membership
  • Family membership

Personal responsibility amounts are what members pay each month to participate in their medical cost sharing community. Personal responsibility amounts are referred to differently (e.g., initial unshareable amount, annual household portion, etc.) depending on the organization in-question.

Some memberships have co-share amounts, which are a percentage of eligible medical expenses members must pay after they have met their personal responsibility amount. For example, a HealthShare may share 80% of eligible medical expenses, but the member will have to pay the remaining 20% as a co-share amount.

Members will pay their co-share amount until they reach the maximum co-share amount, after which point all eligible expenses will be fully shareable with the community. If there is no maximum co-share amount, then members will always have to pay the co-share amount. Maximum co-share amounts are most commonly found in cheaper membership plans, but some HealthShares have co-share amounts with all of their memberships.

Individual memberships are plans for only one member. While Family memberships are for three or more members participating under the same membership plan.

Membership plans may also be referred to as membership programs, options, or simply as memberships depending on the organization.

Read below for our recommendations on the top HealthShare memberships this year.

Christian Healthcare Ministries (CHM)

Christian Healthcare Ministries (CHM) offers three different memberships.

Bronze

  • $90–$270 per month
  • $5,000 APR
  • $5,000 qualifying amount per incident

Silver

  • $135–$405 per month
  • $2,500 APR
  • $2,500 qualifying amount per incident

Gold

  • $235–$705 per month
  • $1,000 APR
  • $1,000 qualifying amount per incident

By default, all CHM memberships have a $125,000 per condition sharing limit, but CHM has an optional program, called Brother’s Keeper, that increases the maximum shareable amount (for Bronze or Silver memberships), or makes sharing unlimited (for Gold memberships).

Although it is the most expensive option (at $235 per month for individuals and $705 per month for families), the Gold membership offers better value than either the Silver or Bronze memberships, and should be paired with the Brother’s Keeper (at an additional cost of $22.00 per unit, per month) program to make sharing unlimited per need.

The Gold program also offers many other features available exclusively to Gold memberships, including sharing for maternity, office visits, urgent care visits, radiology and lab testing, medical transportation, and life-sustaining DME.

Notably, only Gold members are eligible for CHM’s SeniorShare program, which applies to senior CHM members with Medicare, and features a lower qualifying amount  per need (the minimum amount a need can be and still be eligible for sharing) and personal responsibility amount, which they call an annual personal responsibility (APR).

The aforementioned features, together with unlimited sharing per need, make the Gold program with Brother’s Keeper the best HealthShare membership from CHM for both individuals and families.

HealthShare Guide Recommendation:

Gold Program with Brother’s Keeper

Cost (Gold Program): $235 per month for individuals; $705 per month for families
Cost (Brother’s Keeper: $22 per month for individuals; $66 per month for families

 

Zion HealthShare

 Zion HealthShare, a secular organization with no religious membership requirements, has two types of memberships.

Direct
  • For individuals and those who sign up through their website
  • $103–$268 per month for individuals; $295–$790 per month for families
  • $1,000–$5,000 IUA
Essential
  • For those who also subscribe to a DPC provider or are signing up through their employer
  • $75–$250 per month for individuals; $250–$650 per month for families
  • $1,000–$5,000 IUA
  • Essential Add-ons
    • Preventive Sharing – $20 per month for individuals; $60 per month for families
    • Rx Share – $10 per month for individuals; $20 per month for families
    • LifeWorks – $5 per month for individuals; $20 per month for families

Direct memberships have a higher monthly contribution amount, but include preventive sharing, Rx Share, Teladoc Health™, and LifeWorks (also known as TELUS Health) at no additional fee. Essential members can add any of these features for an additional monthly fee.

All Zion HealthShare members have three personal responsibility amounts to choose from, which they call the initial unshareable amount (IUA), but regardless of their choice all features and policies will affect them the same way. That means, once members meet their IUA, regardless if it was a $5,000 IUA or a $1,000 IUA, they will still be able to share the same medical needs.

Zion HealthShare is reasonably priced; depending on a member’s age group, a $1,000 IUA, Direct membership comes out to $185–$268 per month for an individual, and $515–$790 per month for a family.

Given how affordable it is while offering the lowest IUA, the $1,000 IUA Direct membership, which includes preventive sharing, Rx Share, Teladoc®, and TELUS Health is the best membership from Zion HealthShare for both individuals and families.

HealthShare Guide Recommendation:

Direct $1,000 IUA

Cost: $185–$268 per month for individuals; $515–$790 per month for families

 

United Refuah HealthShare

Unlike the other HealthShares featured so far, United Refuah HealthShare only has one membership option. The price, annual maximum co-share, and associated personal responsibility amount, or pre-share, of a membership are based on household size.

Individual
  • $199 per month
  • $1,000 maximum annual co-share
  • $500 pre-share
Couple
  • $349 per month
  • $2,000 maximum annual co-share
  • $1,000 pre-share
Family
  • $499 per month
  • $4,000 annual maximum co-share
  • $1,500 pre-share

While the monthly contribution amounts are fairly low with United Refuah, there is a $125 initial enrollment fee and a $75 monthly renewal fee, and members pay a 20% co-shareuntil they meet their maximum annual co-share amount, at which point eligible expenses become fully shareable.

The $1,500 Pre-Share family membership offers good value for families with six or fewer members. It is still affordable for larger families, although every family member in excess of six adds an additional $50 to the membership’s monthly contribution amount. But given the $4,000 annual maximum co-share amount and $1,500 pre-Share for Family memberships compared to the low $1,000 maximum co-share and $500 pre-share for individual memberships, United Refuah’s individual membership offers their best value.

HealthShare Guide Recommendation:

$500 Pre-Share and $1,000 Maximum Annual Co-Share

Cost: $199 per month for individuals

 

OneShare Health

OneShare Health offers four primary membership types, three of which are variants of the OneShare Classic membership, and the other being a low-cost catastrophic membership (the following price ranges do not include the $125 application fee nor the $5 technology fee).

OneShare Classic Basic
  • $5,000–$10,000 ISA
  • $438.97–$528.97 per month for individuals; $591.97–$1,195.97 per month for families
OneShare Classic Enhanced
  • $5,000–$10,000 ISA
  • $313.97–$661.97 per month for individuals; $686.97–$1,345.97 per month for families
OneShare Classic Crown
  • $5,000–$10,000 ISA
  • $381.97–$848.97 per month for individuals; $766.97–$1,635.97 per month for families
OneShare Catastrophic
  • $5,000–$10,000 ISA
  • $157.97–$437.97 per month for individuals; $355.97–$753.97 per month for families

All memberships differ in the features they offer, but overall OneShare Classic memberships are more broad in scope and functionality, whereas the OneShare Catastrophic membership is tailored for large, emergency medical expenses rather than maintenance care.

OneShare Classic Crown memberships are the most expensive, but offer the greatest number of features. For instance, a Crown membership has shareable maternity, labs and diagnostics, wellness and primary care visits, and preventive services, whereas OneShare Catastrophic shares in none of those. Despite this gap in shareable features, OneShare Catastrophic still offers better value to members than any of the OneShare Classic membership options.

The main reason the top OneShare Catastrophic membership offers better value than OneShare Classic Crown is that they both have the same $5,000 personal responsibility amount, which they call the individual sharing amount (ISA), $500,000 maximum sharing limit per incident, and $1,000,000 lifetime sharing limit, but Classic Crown has much more expensive price per month.

For an idea of how the price differs between membership options, the best OneShare Catastrophic plan costs between $547–$753.97per month, compared to $1,090.97–$1,635.97 per month for the best OneShare Classic Crown membership.

Regardless of choice, OneShare memberships are generally more expensive than their competition. But, for members interested in OneShare programs, depending on their needs, OneShare Catastrophic is their most valuable membership option for both individuals and families.

HealthShare Guide Recommendation:

OneShare Catastrophic with $5,000 ISA and $500,000 Incident Limit

Cost: $300.97–437.97 per month for individuals; $547–$753.97 per month for families

 

Sedera

Sedera, a secular HealthShare organization with no religious membership requirements, offers two types of memberships: ACCESS+ (for those who sign up individually) and SELECT+ (for companies). Both of their membership types have the same five IUA options.

$5,000

$161 for individuals; $412 for families

$2,500

$186 for individuals; $485 for families

$1,500

$226 for individuals; $600 for families

$1,000

$251 for individuals; $673 for families

$500

$258 for individuals; $692 for families*

Both ACCESS+ and SELECT+ memberships vary in price depending on age group, ACCESS+ has five age groups (18–29, 30–39, 40–49, 50–59, and 60–64), and SELECT+ memberships only have two (under 30 and 30 and up). While SELECT+ memberships are more expensive for members closer to 30 years of age, they are more affordable for members approaching their sixties.

Regardless of a membership’s chosen IUA, the features will be the same. The Access+ $1,500 IUA is a reasonable personal responsibility amount and offers a good price point for individuals and families alike (at $226 and $673 per month respectively), making it the best membership from Sedera.

HealthShare Guide Recommendation:

ACCESS+ $1,500 IUA

Cost: $226 for individuals; $600 for families*

 

*Example pricing is based on primary members aged 30-39.

Medi-Share

Medi-Share offers seven different membership options, all with different personal responsibility amounts, which they call the annual household portion (AHP), some with co-shares, and one that can be paired with a DPC membership, albeit with a high AHP.

Complete, AHP $12000

$115–$198 per month for individuals; $250–$479 per month for families

Complete with Co-Sharing, AHP $9000

$137–$232 per month for individuals; $310–$571 per month for families

Complete, AHP $9000

$154–$266 per month for individuals; $358–$665 per month for families

Complete with Co-Sharing, AHP $6000

$166–$285 per month for individuals; $390–$718 per month for families

Complete, AHP $6000

$188–$329 per month for individuals; $452–$839 per month for families

Complete with Co-Sharing, AHP $3000

$215–$340 per month for individuals; $524–$869 per month for families

Complete, AHP $3000

$246–$393 per month for individuals; $610–$1,015 per month for families

Medi-Share memberships have some of the highest personal responsibility amounts out of all of the HealthShares on HealthShare Guide, ranging from $3,000–$12,000 depending on the membership.

Because of the increase in cost to the member that comes with a 30% co-share membership (up to a co-share maximum of $3,000–$7,000 in addition to the AHP) they do not offer good value and should be avoided in favor of Medi-Share memberships without co-share responsibility.

Of all Medi-Share options, the Complete AHP $6,000 membership offers the best value, with a price of $194–$329 for individuals and $569–$1,032  for families. This membership also has no co-share responsibility and, despite its high AHP, is more reasonably priced than the Complete AHP $3,000 membership.

HealthShare Guide Recommendation:

Complete AHP $6,000

Cost: $194–$329 for individuals; $569–$1,032 for families

 

Altrua HealthShare

Altrua HealthShare offers four “gem” membership options.

Ruby
  • $136 for individuals; $265 for families
  • $7,500 1st MRA
  • 25% co-share amount
Sapphire
  • $173–$424 for individuals; $468–849 for families
  • $1,500 1st MRA
  • 25% co-share amount ($2,500 max)
Emerald
  • $318–$528 for individuals; $661–1,056 for families
  • $1,000 1st MRA
  • 25% co-share amount ($2,500 max)
Diamond
  • $356–$617 for individuals; $706–1,145 for families
  • $500 1st MRA
  • 25% co-share amount ($2,500 max)

Prospective members can take advantage of Altrua’s 30-day trial to see if a membership is the right fit for them.

Both Emerald and Diamond memberships have more features than either the Ruby or Sapphire memberships, like sharing for maternity and adoption expenses, and feature no annual limits on sharing (although the Emerald and Diamond memberships still have a $1,000,000 and $2,000,000 lifetime sharing limit, respectively), which is great for family memberships. Additionally, all memberships offer pooled office visits, which allow members of the same household to share their allotted provider visits with one another based on their needs.

The Emerald membership has all of the same features as the Diamond membership at a lower price point (Emerald members pay $38–$99 less monthly). However, the Emerald membership has a higher personal responsibility amount ($1,000 1st MRA compared to Diamond’s $500 1st MRA), which they call the member responsibility amount (MRA). Every membership has two MRAs, and the Emerald membership’s first MRA* is $1,000.

The Sapphire membership has an annual sharing limit of $250,000, a lifetime sharing limit of $1,000,000, and a first MRA of $1,500. While Sapphire memberships do not feature sharing for maternity, adoption, or lab visits, they are more affordable ($173–$424 per month for individuals) than Emerald or Diamond memberships and may offer better value for individuals than families.

Altrua HealthShare’s Emerald membership offers families the best bang for their buck, with sharing for maternity and adoption expenses, and is the best membership from Altrua HealthShare for families. Sapphire membership, on the other hand, is more affordable and could be Altrua’s best membership for individuals.

*Altrua HealthShare’s MRAs are more complicated than other HealthShares’ personal responsibility amounts, and can be read about here.

HealthShare Guide Recommendation:

Emerald Membership for families

Sapphire Membership for individuals

Cost (Emerald): $661–$1,056 per month for families
Cost (Sapphire): $173–$424 per month for individuals

 

Liberty HealthShare

Liberty HealthShare offers three main memberships, Liberty Essential, Liberty Connect, and Liberty Unite, and have recently introduced two programs catering to younger (18–29) and older (65+) members, Liberty Rise and Liberty Assist. Members pay a $135 startup fee upon signing up and a $75 annual renewal fee after each year of membership.

Liberty Essential
  • $159–$219 per month for individuals; $499–$729 per month for families
  • $600,000 incident limit
  • 25% co-share amount
  • 4K–12K AUA
Liberty Connect
  • $209–$279 per month for individuals; $639–$939 per month for families
  • $1,000,000 incident limit
  • 15% co-share amount
  • 1K–3K AUA
Liberty Unite
  • $259–$359 per month for individuals; $849–$1,239 per month for families
  • $1,000,000 incident limit
  • No co-share
  • 1K–2.25K AUA

Though Liberty Connect and Liberty Unite both have a $1,000,000 per incident sharing limit,they are very different in terms of value.

While Liberty Essential and Liberty Connect have lower monthly contribution amounts than Liberty Unite, they both have co-shares and higher personal responsibility amounts, which they call the annual unshareable amount (AUA). This means that Liberty Essential and Liberty Connect members will pay a percentage of all eligible medical expenses in addition to their AUA, and those costs add up.

Liberty HealthShare memberships are relatively expensive, and that’s before factoring in any associated co-share amount. Because of this, the Liberty Unite membership offers the best value of any of the main memberships, for individuals and families alike.

HealthShare Guide Recommendation:

Liberty Unite

Cost: $259–$359 per month for individuals; $849–$1,239 for families

 

Solidarity HealthShare

All members must pay a $135 application fee before choosing one of Solidarity HealthShare’s four membership options. The four choices are separated by their personal responsibility amounts, which they call the annual unshared amount (AUA).

Solidarity 3000 ($3,000 AUA)

$2174–$266 per month for individuals; $504–$635 per month for families

Solidarity 6000 ($6,000 AUA)

$134–$227 per month for individuals; $464–$590 per month for families

Solidarity 9000 ($9,000 AUA)

$94–$192 per month for individuals; $424–$555 per month for families

Solidarity 12000 ($12,000 AUA)

$64–$162 per month for individuals; $384–$520 per month for families

Regardless of choice, Solidarity has a higher than average personal responsibility amount.

All memberships have a $1,000,000 annual sharing limit, benefit from some of the best mental health guidelines in the industry, and can continue their membership after turning 65. The only real differentiating factors between Solidarity memberships are their monthly contribution amounts and AUAs.

Of Solidarity’s four memberships, Solidarity 6000 strikes the best balance between affordability and value for individuals and families alike. While the Solidarity 3000 membership has a lower AUA, the $3,000 AUA is still fairly high and may not warrant the increased price of membership.

HealthShare Guide Recommendation:

Solidarity 6000

Cost: $134–$227 per month for individuals; $464–$590 per month for families

 

Samaritan Ministries

Samaritan Ministries has two membership options, as well as an optional program called Save to Share.

Samaritan Basic
  • $99-168 per month for individuals; $263-421 per month for families
  • $1500 IUA
  • 10% Co-share
  • $13,500 maximum co-share
  • $236,500 Incident limit
Samaritan Classic
  • $177-$263 per month for individuals; $596 per month for families
  • $400 IUA
  • $250,000 incident limit

The Samaritan Basic membership is the cheaper of the two, but the Samaritan Basic membership has a $1,500 IUA and a 10% co-share, which means that after meeting their personal responsibility amount, or what Samaritan calls the initial unshareable amount (IUA), members must pay 10% of all eligible medical expenses until they meet a $13,500 maximum co-share amount.

Including the IUA and 10% co-share, those with the Samaritan Basic membership may pay up to $15,000 for a single need so long as it does not exceed the maximum shareable amount of $236,500 (without Save to Share).

Since the Samaritan Classic membership has a low IUA, a $250,000 per incident sharing limit (without Save to Share) and costs $596 for a family membership regardless of age group, it is an especially good deal for families with an older primary member. But with it’s relatively low monthly cost, it is also an ideal membership for individuals.

Samaritan also has a Save to Share program which allows for sharing to continue past the maximum shareable amount. When a member who participates in the Save to Share program has an eligible need with associated medical expenses that exceeds their membership’s maximum shareable amount, the excess amount will be shared by other Save to Share participants. The Save to Share program costs $133 per year for an individual membership ($11.08 per month) or $399 per year for a family membership ($33.25 per month).

The Samaritan Classic membership offers great value for families, and is the best overall HealthShare membership option offered by Samaritan Ministries—especially when paired with the Save to Share program.

HealthShare Guide Recommendation:

Samaritan Classic with Save to Share

Cost (Classic): $177–$263 per month for individuals; $596 per month for families
Cost (Save to Share): $133–$399 per year

 

The 10 Best HealthShare Memberships for 2023

  • Christian Healthcare Ministries: Gold Program with Brother’s Keeper
  • Zion HealthShare: Direct $1,000 IUA
  • United Refuah HealthShare: Individual $500 Pre-Share with $1,000 Maximum Annual Co-share
  • OneShare Health: OneShare Catastrophic with $5,000 ISA and $500,000 Incident Sharing Limit
  • Sedera: ACCESS+ $1,500 IUA
  • Medi-Share: Complete AHP ($0 co-share) $6,000
  • Altrua HealthShare: Emerald for families, Sapphire for individuals
  • Liberty HealthShare: Liberty Unite
  • Solidarity HealthShare: Solidarity 6000
  • Samaritan Ministries: Samaritan Classic with Save to Share

 

A note about changing memberships: Members changing from one program to another while staying at the same HealthShare will once again be subject to pre-existing condition limitations and any associated waiting limits before their medical expenses may be eligible for sharing. If, after reviewing this article you are considering a membership change, please consult with your HealthShare about the impact on your membership status.

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