Compare 2 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.

Every difference, side by side

RowLiberty HealthShareUnite (single, 35-49)RemoveSederaSELECT+, $5,000 IUA (30+, member only, eff. 4/1/26)Remove
What it isNot insuranceHealth sharing programNot insuranceHealth sharing program
WhereNationalNational
LevelUnite (single, 35-49)SELECT+, $5,000 IUA (30+, member only, eff. 4/1/26)
Monthly price (age 40)$312National price; no tax credits$233National price; no tax creditsLowest
Deductible / amount you pay first$1,000Per medical need (IUA); can repeat$5,000Per medical need (IUA); can repeat
Out-of-pocket maximumNone: no legal capNone: no legal cap
One bad year$4,74412 × monthly + one IUA; more needs cost more$7,79612 × monthly + one IUA; more needs cost more
Are your bills paid?Not guaranteed: sharing is voluntaryNot guaranteed: sharing is voluntary
Pre-existing conditionsOften excluded or limitedOften excluded or limited
Tax credits (subsidies)Not availableNot available
Yearly or lifetime dollar limits$1,000,000 per incidentNot captured
Network typeNot listedNot listed
Is this price right?
Official pagesProgram 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.

Add a health sharing option for contrast (not insurance)