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.
| Row | Zion HealthShareDirect, $2,500 IUA (40-49, member only)Remove | Samaritan MinistriesBasic (age 40-54, 1 person)Remove |
|---|---|---|
| What it is | Not insuranceHealth sharing program | Not insuranceHealth sharing program |
| Where | National, except MD, MA, PA, MT | National |
| Level | Direct, $2,500 IUA (40-49, member only) | Basic (age 40-54, 1 person) |
| Monthly price (age 40) | $214National price; no tax credits | $185National price; no tax creditsLowest |
| Deductible / amount you pay first | $2,500Per medical need (IUA); can repeat | $2,000Per medical need (IUA); can repeat |
| Out-of-pocket maximum | None: no legal cap | None: no legal cap |
| One bad year | $5,06812 × monthly + one IUA; more needs cost more | $6,72012 × monthly + one IUA; more needs cost more |
| Are your bills paid? | Not guaranteed: sharing is voluntary | Not guaranteed: sharing is voluntary |
| Pre-existing conditions | Often excluded or limited | Often excluded or limited |
| Tax credits (subsidies) | Not available | Not available |
| Yearly or lifetime dollar limits | Not captured | $500,000 per need (needs starting on/after Sep 1, 2026) |
| Network type | Not listed | Not listed |
| Is this price right? | ||
| Official pages | 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.
Add a health sharing option for contrast (not insurance)
- Christian Healthcare Ministries: Bronze $115/mo
- Christian Healthcare Ministries: Silver $169/mo
- Liberty HealthShare: Essential (single, 35-49) $180/mo
- Zion HealthShare: Direct, $5,000 IUA (40-49, member only) $188/mo
- CrowdHealth: Standard (ages 0-54), max monthly $200/mo
- Sedera: SELECT+, $5,000 IUA (30+, member only, eff. 4/1/26) $233/mo
- Liberty HealthShare: Connect (single, 35-49) $241/mo
- Sedera: SELECT+, $2,500 IUA $251/mo
- Zion HealthShare: Direct, $1,250 IUA (40-49, member only) $254/mo
- Christian Healthcare Ministries: Gold $299/mo
- Sedera: SELECT+, $1,000 IUA $309/mo
- Liberty HealthShare: Unite (single, 35-49) $312/mo
- Samaritan Ministries: Classic (age 40-54, 1 person) $330/mo
- Sedera: SELECT+, $500 IUA $437/mo