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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

RowSamaritan MinistriesClassic (age 40-54, 1 person)RemoveLiberty HealthShareConnect (single, 35-49)Remove
What it isNot insuranceHealth sharing programNot insuranceHealth sharing program
WhereNationalNational
LevelClassic (age 40-54, 1 person)Connect (single, 35-49)
Monthly price (age 40)$330National price; no tax credits$241National price; no tax creditsLowest
Deductible / amount you pay first$1,000Per medical need (IUA); can repeat$1,000Per medical need (IUA); can repeat
Out-of-pocket maximumNone: no legal capNone: no legal cap
One bad year$4,96012 × monthly + one IUA; more needs cost moreNot available12 × 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$500,000 per need (needs starting on/after Sep 1, 2026)$1,000,000 per incident
Network typeNot listedNot listed
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Official pagesProgram page ↗Program page ↗
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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)