What is Healthcare Sharing?
Healthcare sharing puts your money directly toward the medical bills of other members.
Healthcare sharing puts your money directly toward the medical bills of other members versus health insurance where your money goes into a pool that helps contribute to a large profit for the health insurance organization.
A Healthcare Sharing (HCS) program is run by not-for-profit organizations that facilitate the sharing of health care costs among individual members who have common ethical and/or religious beliefs.
Though HCS programs have been around for decades, they've grown in popularity over the last several years as Americans searched for affordable and flexible options to expensive and restrictive health insurance options.
To participate, members contribute a monthly share amount that is applied to the eligible medical bills of other members. The monthly share amount is based on the age of the oldest member in the household, the number of people applying (1, 2, or 3 or more), and choice of annual household Primary Responsibility Amount (PRA).
If certain criteria is met, a Body Mass Index (BMI) Assessment of $125 per month will also be applied. Members who use tobacco or vape regularly are required to pay a Tobacco Assessment of $50 per month. The BMI Assessment and Tobacco Assessment do not apply to the Senior (65+) program. Watch a Video on How Sharing Works.