What's the catch? We'll tell you up front.
The model is simple: Monthly membership fees go into a community pot. Medical bills get paid from that pot. No insurance company profits, no shareholder dividends, no CEO bonuses. Here's why this costs 30-50% less than traditional insurance and what catches exist:
Not Insurance
No legal guarantee, but read this
Insurance companies legally promise to pay your claims. Then they deny 15-51% of them and force you to fight billion dollar legal teams in court. Health share providers make no legal promises yet pay 98%+ of eligible claims and have stellar track records (each plan on this site has a 4.5/5 or higher avg. with hundreds of reviews on Google and Trustpilot). Which would you choose?
You Pay Cash, Get Reimbursed
This alone saves you thousands
Here's a secret hospitals don't advertise: Cash prices can be 60-80% cheaper than insurance rates. A $10,000 insurance procedure could cost $2,000 cash. You pay upfront, submit your receipt, get reimbursed. This is how Healthcare Pioneers slash their medical costs.
Waiting Periods Apply
Why healthy people save the most
New medical issues? Eligible immediately. But if you've seen a doctor for something in the past 2-5 years, you'll wait 1-2 years for sharing on related issues. This isn't a flaw, it's the feature that keeps your costs low.
Major Medical Only
Your safety net, not your maintenance plan
The best health shares work like car insurance. They handle your accidents and emergencies, not your oil changes. You pay cash for the small stuff (at those 60-80% lower prices). Result? Your total healthcare costs plummet.
The bottom line: These aren't perfect for everyone. But for healthy people tired of sky high premiums? They're a revolution.
See the Difference
A side-by-side look at what makes us different.
30-50% less$500-$5000 IUAAny providerJoin anytime98% approvalHealthy folksUnderstanding Healthcare Sharing
The Basics
Why This Works
How It Works
Healthcare Pioneers Share Their Stories
See why 2+ million Americans chose health sharing over traditional insurance
Taylor Chamness
Financial Advisor, Father of two
Sedera has been fantastic for me and my family. We save over $700 per month as a family compared to our old insurance plan. My wife had to have knee s...
Josie Fickell
Counselor, Mother
I've had an amazing experience with Zion HealthShare! I just had my first child and had Zion throughout my whole pregnancy. They have awesome customer...
Karielle Silk
Director, Playwright, Mother of three
The single greatest healthcare coverage experience my husband and I have ever had, combined! Not only is the plan affordable, the coverage makes sense...
Ditch Insurance,Build YourSafety Net
Watch how members slash costs on everyday care
Pick a plan with $1,000 Initial Unshared Amount—or customize yours from $500 to $5,000!
Emergency Room Visit
Accident
Planned Surgery
Join a crew of savvy, healthy folks who've got your back—save more, together!
Why Haven't I Heard of This Before?
Because Healthcare Pioneers discover things before they go mainstream
"Sounds like a scam," your friends will say.
Remember Airbnb?
"You're letting strangers sleep in your house?!" Now millions trust it daily. Every innovation faces skeptics first.
Quietly Working Since the 1980s
Health sharing started in Christian communities, then opened to everyone in the last decade. Proven track record, growing awareness.
Why No Super Bowl Commercials?
Insurance companies spend billions on ads. Health shares are much smaller and rely on word-of-mouth from happy members.
The Numbers Don't Lie
Americans Participating
Approval on Eligible Claims
Years of Track Record
Healthcare Pioneers don't wait for the crowd's permission.