Compare 4 options
Side by side, row by row. Health sharing prices are national.
Health sharing is not insurance
- No guarantee. Sharing is voluntary. The program can decline to share a bill, and payment of your medical bills is not guaranteed.
- Not regulated as insurance. ACA consumer protections do not apply, and you cannot get ACA premium tax credits for it.
- No legal yearly cap. There is no out-of-pocket maximum. Each new medical need can mean paying the amount you pay first (the IUA) again.
| Row | CrowdHealthStandard (ages 0-54), max monthlyRemove | Zion HealthShareDirect, $5,000 IUA (40-49, member only)Remove | Liberty HealthShareConnect (single, 35-49)Remove | Christian Healthcare MinistriesSilverRemove |
|---|---|---|---|---|
| What it is | Not insuranceHealth sharing program | Not insuranceHealth sharing program | Not insuranceHealth sharing program | Not insuranceHealth sharing program |
| Where | National | National, except MD, MA, PA, MT | National | National |
| Level | Standard (ages 0-54), max monthly | Direct, $5,000 IUA (40-49, member only) | Connect (single, 35-49) | Silver |
| Monthly price (age 40) | $200National price; no tax credits | $188National price; no tax credits | $241National price; no tax credits | $169National price; no tax creditsLowest |
| Deductible / amount you pay first | $500Per medical need (IUA); can repeat | $5,000Per medical need (IUA); can repeat | $1,000Per medical need (IUA); can repeat | $3,000Per medical need (IUA); can repeat |
| Out-of-pocket maximum | None: no legal cap | None: no legal cap | None: no legal cap | None: no legal cap |
| One bad year | $2,90012 × monthly + one IUA; more needs cost more | $7,25612 × monthly + one IUA; more needs cost more | Not available12 × monthly + one IUA; more needs cost more | $5,02812 × monthly + one IUA; more needs cost more |
| Are your bills paid? | Not guaranteed: sharing is voluntary | Not guaranteed: sharing is voluntary | Not guaranteed: sharing is voluntary | Not guaranteed: sharing is voluntary |
| Pre-existing conditions | Often excluded or limited | Often excluded or limited | Often excluded or limited | Often excluded or limited |
| Tax credits (subsidies) | Not available | Not available | Not available | Not available |
| Yearly or lifetime dollar limits | No maximum stated (crowdfunded, not guaranteed) | Not captured | $1,000,000 per incident | $125,000 per illness (more with CHM Plus add-on) |
| Network type | Not listed | Not listed | Not listed | Not listed |
| Is this price right? | ||||
| Official pages | Program page ↗ | Program page ↗ | Program page ↗ | Program page ↗ |
| Save for later |
Green = lowest in that row. Plans from different counties can be compared, but your real price depends on where you live.