Each year, we review leading HealthShares to see which are setting new standards for affordability, reliability, and member satisfaction. After evaluating HealthShares and their programs, three organizations stood out for 2026: Zion HealthShare, Christian Healthcare Ministries (CHM), and Impact Health Sharing.
Setting the Standard for Simplicity, Transparency, and Affordability
Why it ranks #1:
Zion HealthShare leads with its straightforward approach to medical cost sharing. Members appreciate their clear guidelines, sincere customer care, reliable processing for sharing requests, and programs designed to support everyday care and larger needs.
What’s new:
Zion has expanded its mental health resources, strengthened prescription support, and continued its strong collaborations with Direct Primary Care (DPC) practices.
Member Highlights:
- Quick processing times and a simple IUA (pre-share) structure
- Direct provider coordination and integrated DPC options
- Preventive care options available
- No religious requirements; open to all backgrounds
- Broad support for routine care, unexpected events, maternity, and prescriptions
Best for: Individuals, couples, families, and businesses seeking a clear, modern, and efficient HealthShare experience.
Proven Stability with a Faith-Based Foundation
Why it ranks #2:
CHM has earned its place through decades of trust and member-centered service. Its four membership levels (Bronze, Silver, Gold, and SeniorShare) continue to provide flexible and affordable medical cost sharing with spiritual support.
What’s new:
CHM has refined the member experience with an updated member portal and app to streamline submissions, enhance claim tracking, and improve communications.
Member Highlights:
- Longest-serving HealthShare with a trusted track record
- Christian, faith-based community built on shared beliefs and values
- Clear membership guidelines
- Dedicated member support team
- Well-rounded program features
Best for: Individuals, couples, families, and businesses seeking a stable, faith-based sharing community.
Smart technology, strong support, and forward-thinking
Why it ranks #3:
Impact Health Sharing stands out for its tech-forward approach to medical cost sharing. Members like the easy online process, clear guidelines, predictable participation, and a responsive customer support team.
What’s new:
Impact launched a complimentary Wellness Concierge for shared annual wellness visits and expanded access to virtual care, including short-term teletherapy.
Member Highlights:
- Wellness Rewards incentives
- Dental and vision savings pass
- Lab allowance with annual wellness visit
- No religious requirements necessary to join, though rooted in Christian values
- Access to the Pray with Impact page for spiritual support
Best for: Individuals, couples, families, and small businesses seeking a simple, tech-friendly HealthShare with support for a healthy lifestyle.
A Better Way to Experience Healthcare
Each of these organizations — Zion HealthShare, Christian Healthcare Ministries, and Impact Health Sharing — brings its own strengths. Whether you’re joining a HealthShare for the first time or exploring new options, these programs continue to redefine what affordable and personal care can offer.
Ready to compare programs side by side?
Visit our Comparison Guide to find the right fit for your needs.
