Health Share Reviews & Comparisons (2026) — Independent Guide
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Health Share FAQs
What is a health share?
A health share (or health sharing ministry) is a community-based alternative to health insurance where members contribute monthly shares to help cover each other's medical expenses. Members share a common set of values and agree to support one another's healthcare costs.
Is a health share the same as health insurance?
No. Health shares are not insurance products. They are voluntary cost-sharing arrangements between members. Payments for medical bills are not guaranteed but are shared according to ministry guidelines. Health shares are exempt from ACA requirements.
How much do health shares cost?
Monthly share amounts typically range from $100-$500+ depending on family size, age, and chosen plan level. Many families find health shares 30-50% more affordable than traditional insurance premiums.
Are health shares regulated?
Health sharing ministries are exempt from ACA regulations in most states under Section 1311 of the Affordable Care Act. They are self-regulated and operate under their own membership guidelines and sharing requirements.
What medical expenses are typically shared?
Most health shares cover doctor visits, hospitalization, surgery, emergency care, and prescription medications. Coverage varies by plan, and pre-existing conditions often have waiting periods before being eligible for sharing.