Health insurance prices in Oneida County, NY (2026)

85 marketplace plans from 4 insurers. Cheapest plan $525/mo; typical Silver $1,012/mo. Official marketplace: NY State of Health (enter your ZIP for your real price and tax credit).

Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 7.

Community rating: everyone in this state pays the same premium regardless of age.

Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.

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Individual & family health insurance (marketplace / ACA plans)

Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.

Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF

All plans here: Bronze $525–$949 (typical $883) · Silver $704–$1,273 (typical $1,012) · Gold $911–$1,594 (typical $1,228) · Platinum $1,112–$1,968 (typical $1,852) · Catastrophic $223–$223 (typical $223)

Insurers, sorted by typical Silver price

Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.

Insurer	Plans	Cheapest plan	Typical Bronze	Typical Silver	Typical Gold	Cheapest plan name
Ambetter (Centene)	15	$525	$547	$731	$944	Ambetter from Fidelis Care Bronze HSA, Bronze, ST, INN, Fidelis Care HBX Network, Dep25, Free Telemedicine Program, Pediatric Dental
MVP Health Care	22	$754	$775	$1,006	$1,207	MVP Premier Plus Bronze 2, Expanded Bronze, NS, INN, NY Individual On Exchange HMO, Dep25, 3 PCP, Acupuncture, Preferred Facilities, Telemedicine, Wellness
Excellus BlueCross BlueShield (NY)Lifetime Healthcare (Blue Cross Blue Shield company)	24	$840	$930	$1,194	$1,490	Bronze Secure Plus 3, Expanded Bronze, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Acupuncture
CDPHP	24	$927	$940	$1,268	$1,590	HDHMO HSA Qualified 40 Bronze, ST, INN, HMO Network, Dep25

All 85 plans in Oneida County, cheapest first

Insurer	Plan	Metal	Network	Monthly	Deductible	Out-of-pocket max	Bad year
Ambetter (Centene)	Ambetter from Fidelis Care Catastrophic, Catastrophic, ST, INN, Fidelis Care HBX Network, Free Telemedicine Prgroam, Pediatric Dental	Catastrophic	HMO	$223	$10,600	$10,600	$13,279
Ambetter (Centene)	Ambetter from Fidelis Care Bronze HSA, Bronze, ST, INN, Fidelis Care HBX Network, Dep25, Free Telemedicine Program, Pediatric Dental	Bronze	HMO	$525	$5,500	$8,050	$14,350
Ambetter (Centene)	Ambetter from Fidelis Care Bronze, Bronze, ST, INN, Fidelis Care HBX Network, Dep25, Free Telemedicine Program, Pediatric Dental	Bronze	HMO	$543	$4,125	$10,150	$16,660
Ambetter (Centene)	Ambetter from Fidelis Care Bronze HSA, Bronze, ST, INN, Fidelis Care HBX Network, Dep29, Free Telemedicine Program, Pediatric Dental	Bronze	HMO	$551	$5,500	$8,050	$14,664
Ambetter (Centene)	Ambetter from Fidelis Care Bronze, Bronze, ST, INN, Fidelis Care HBX Network, Dep29, Free Telemedicine Program, Pediatric Dental	Bronze	HMO	$570	$4,125	$10,150	$16,985
Ambetter (Centene)	Ambetter from Fidelis Care Silver, Silver, ST, INN, Fidelis Care HBX Network, Dep25, Free Telemedicine Program, Pediatric Dental	Silver	HMO	$704	$2,450	$10,150	$18,599
Ambetter (Centene)	Ambetter from Fidelis Care Silver+, Silver, NS, INN, Fidelis Care HBX Network, Dep 25, Family Vision, Free Telemedicine Program, Family Dental	Silver	HMO	$722	$2,450	$10,150	$18,814
Ambetter (Centene)	Ambetter from Fidelis Care Silver, Silver, ST, INN, Fidelis Care HBX Network, Dep29, Free Telemedicine Program, Pediatric Dental	Silver	HMO	$739	$2,450	$10,150	$19,021
MVP Health Care	MVP Premier Plus Bronze 2, Expanded Bronze, NS, INN, NY Individual On Exchange HMO, Dep25, 3 PCP, Acupuncture, Preferred Facilities, Telemedicine, Wellness	Expanded Bronze	HMO	$754	$6,400	$8,900	$17,948
MVP Health Care	MVP Premier Bronze 1 HDHP, Expanded Bronze, ST, INN, NY Individual On Exchange HMO, Dep25, HSA, Telemedicine, Wellness	Expanded Bronze	HMO	$758	$5,500	$8,050	$17,146
Ambetter (Centene)	Ambetter from Fidelis Care Silver+, Silver, NS, INN, Fidelis Care HBX Network, Dep29, Family Vision, Free Telemedicine Program, Family Dental	Silver	HMO	$758	$2,450	$10,150	$19,246
MVP Health Care	MVP Premier Plus Bronze 2, Expanded Bronze, NS, INN, NY Individual On Exchange HMO, Dep29, 3 PCP, Acupuncture, Preferred Facilities, Telemedicine, Wellness	Expanded Bronze	HMO	$762	$6,400	$8,900	$18,038
MVP Health Care	MVP Premier Bronze 1 HDHP, Expanded Bronze, ST, INN, NY Individual On Exchange HMO, Dep29, HSA, Telemedicine, Wellness	Expanded Bronze	HMO	$766	$5,500	$8,050	$17,237
MVP Health Care	MVP Premier Plus Bronze 3 HDHP, Expanded Bronze, NS, INN, NY Individual On Exchange HMO, Dep25, Acupuncture, HSA, Preferred Facilities, Preventive Rx, Telemedicine, Wellness	Expanded Bronze	HMO	$785	$6,000	$7,500	$16,924
MVP Health Care	MVP Premier Bronze 2, Expanded Bronze, ST, INN, NY Individual On Exchange HMO, Dep25, 3 PCP, Telemedicine, Wellness	Expanded Bronze	HMO	$793	$4,125	$10,150	$19,663
MVP Health Care	MVP Premier Plus Bronze 3 HDHP, Expanded Bronze, NS, INN, NY Individual On Exchange HMO, Dep29, Acupuncture, HSA, Preferred Facilities, Preventive Rx, Telemedicine, Wellness	Expanded Bronze	HMO	$793	$6,000	$7,500	$17,019
MVP Health Care	MVP Premier Bronze 2, Expanded Bronze, ST, INN, NY Individual On Exchange HMO, Dep29, 3 PCP, Telemedicine, Wellness	Expanded Bronze	HMO	$801	$4,125	$10,150	$19,758
Excellus BlueCross BlueShield (NY)	Bronze Secure Plus 3, Expanded Bronze, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Acupuncture	Expanded Bronze	EPO	$840	$10,600	$10,600	$20,677
Excellus BlueCross BlueShield (NY)	Bronze Secure Plus 3, Expanded Bronze, NS, INN, Excellus BCBS EPO, Dep29, Adult/Family Dental, Adult Vision, Acupuncture	Expanded Bronze	EPO	$856	$10,600	$10,600	$20,868
Excellus BlueCross BlueShield (NY)	Bronze Select, Expanded Bronze, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture	Expanded Bronze	EPO	$911	$5,500	$7,500	$18,431
Ambetter (Centene)	Ambetter from Fidelis Care Gold, Gold, ST, INN, Fidelis Care HBX Network. Dep25, Free Telemedicine Program, Pediatric Dental	Gold	HMO	$911	$775	$10,150	$21,086
CDPHP	HDHMO HSA Qualified 40 Bronze, ST, INN, HMO Network, Dep25	Bronze	HMO	$927	$5,500	$8,050	$19,170
Excellus BlueCross BlueShield (NY)	Bronze Select, Expanded Bronze, NS, INN, Excellus BCBS EPO, Dep29, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture	Expanded Bronze	EPO	$928	$5,500	$7,500	$18,639
CDPHP	HDHMO HSA Qualified 40 Bronze, ST, INN, HMO Network, Dep29	Bronze	HMO	$930	$5,500	$8,050	$19,207
Excellus BlueCross BlueShield (NY)	Bronze Standard HSA, Expanded Bronze, ST, INN, Excellus BCBS EPO, Dep25, Pediatric Dental	Expanded Bronze	EPO	$931	$5,500	$8,050	$19,223
Excellus BlueCross BlueShield (NY)	Bronze Standard, Expanded Bronze, ST, INN, Excellus BCBS EPO, Dep25, Pediatric Dental	Expanded Bronze	EPO	$931	$4,125	$10,150	$21,324
Ambetter (Centene)	Ambetter from Fidelis Care Gold Enhanced, Gold, NS, INN, Fidelis Care HBX Network, Dep25, Family Vision, Free Telemedicine Program, Family Dental	Gold	HMO	$931	$775	$10,150	$21,328
CDPHP	HDHMO HSA Qualified 44, Bronze, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness	Bronze	HMO	$939	$6,250	$7,300	$18,569
CDPHP	HDHMO HSA Qualified 60, Bronze, ST, INN, HMO Network, Dep25	Bronze	HMO	$940	$4,125	$10,150	$21,430
CDPHP	HDHMO HSA Qualified 45, Bronze, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness	Bronze	HMO	$940	$7,100	$7,100	$18,385
CDPHP	HDHMO HSA Qualified 44, Bronze, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness	Bronze	HMO	$942	$6,250	$7,300	$18,607
CDPHP	HDHMO HSA Qualified 60, Bronze, ST, INN, HMO Network, Dep29	Bronze	HMO	$943	$4,125	$10,150	$21,468
CDPHP	HDHMO HSA Qualified 45, Bronze, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness	Bronze	HMO	$944	$7,100	$7,100	$18,423
Excellus BlueCross BlueShield (NY)	Bronze Standard HSA, Expanded Bronze, ST, INN, Excellus BCBS EPO, Dep29, Pediatric Dental	Expanded Bronze	EPO	$949	$5,500	$8,050	$19,435
Excellus BlueCross BlueShield (NY)	Bronze Standard, Expanded Bronze, ST, INN, Excellus BCBS EPO, Dep29, Pediatric Dental	Expanded Bronze	EPO	$949	$4,125	$10,150	$21,536
Ambetter (Centene)	Ambetter from Fidelis Care Gold, Gold, ST, INN, Fidelis Care HBX Network, Dep29, Free Telemedicine Program, Pediatric Dental	Gold	HMO	$957	$775	$10,150	$21,632
Ambetter (Centene)	Ambetter from Fidelis Care Gold Enhanced, Gold, NS, INN, Fidelis Care HBX Network, Dep29, Family Vision, Free Telemedicine Program, Family Dental	Gold	HMO	$978	$775	$10,150	$21,886
Excellus BlueCross BlueShield (NY)	Bassett Preferred Silver, NS, INN, Dep25, Adult/Family Dental, Adult Vision, Tiered Network, Acupuncture	Silver	EPO	$978	$3,000	$9,500	$21,236
MVP Health Care	MVP Premier Plus Silver 13, Silver, NS, INN, NY Individual On Exchange HMO, Dep25, Acupuncture, Preferred Facilities, Telemedicine, Wellness	Silver	HMO	$996	$2,900	$9,400	$21,351
Excellus BlueCross BlueShield (NY)	Bassett Preferred Silver, NS, INN, Dep29, Adult/Family Dental, Adult Vision, Tiered Network, Acupuncture	Silver	EPO	$997	$3,000	$9,500	$21,459
MVP Health Care	MVP Premier Plus Silver 3 HDHP, Silver, NS, INN, NY Individual On Exchange HMO, Dep25, Acupuncture, HSA, Preferred Facilities, Preventive Rx, Telemedicine, Wellness	Silver	HMO	$999	$2,650	$6,900	$18,893
MVP Health Care	MVP Premier Silver 1, Silver, ST, INN, NY Individual On Exchange HMO, Dep25, Telemedicine, Wellness	Silver	HMO	$1,005	$2,450	$10,150	$22,214
MVP Health Care	MVP Premier Plus Silver 13, Silver, NS, INN, NY Individual On Exchange HMO, Dep29, Acupuncture, Preferred Facilities, Telemedicine, Wellness	Silver	HMO	$1,006	$2,900	$9,400	$21,470
MVP Health Care	MVP Premier Plus Silver 3 HDHP, Silver, NS, INN, NY Individual On Exchange HMO, Dep29, Acupuncture, HSA, Preferred Facilities, Preventive Rx, Telemedicine, Wellness	Silver	HMO	$1,009	$2,650	$6,900	$19,013
MVP Health Care	MVP Premier Silver 1, Silver, ST, INN, NY Individual On Exchange HMO, Dep29, Telemedicine, Wellness	Silver	HMO	$1,015	$2,450	$10,150	$22,334
Ambetter (Centene)	Ambetter from Fidelis Care Platinum, Platinum, ST, INN, Fidelis Care HBX Network, Dep25, Free Telemedicine Program, Pediatric Dental	Platinum	HMO	$1,112	—	$2,000	$15,338
Ambetter (Centene)	Ambetter from Fidelis Care Platinum, Platinum, ST, INN, Fidelis Care HBX Network, Dep29, Free Telemedicine Program, Pediatric Dental	Platinum	HMO	$1,167	—	$2,000	$16,004
MVP Health Care	MVP Premier Plus Gold 2 HDHP, Gold, NS, INN, NY Individual On Exchange HMO, Dep25, Acupuncture, HSA, Preferred Facilities, Preventive Rx, Telemedicine, Wellness	Gold	HMO	$1,176	$1,750	$6,900	$21,017
Excellus BlueCross BlueShield (NY)	Silver Select, Silver, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture	Silver	EPO	$1,183	$3,200	$8,200	$22,394
MVP Health Care	MVP Premier Plus Gold 2 HDHP, Gold, NS, INN, NY Individual On Exchange HMO, Dep29, Acupuncture, HSA, Preferred Facilities, Preventive Rx, Telemedicine, Wellness	Gold	HMO	$1,188	$1,750	$6,900	$21,159
MVP Health Care	MVP Premier Plus Gold 1, Gold, NS, INN, NY Individual On Exchange HMO, Dep25, 3 PCP, Acupuncture, Preferred Facilities, Telemedicine, Wellness	Gold	HMO	$1,201	$1,200	$5,900	$20,311
Excellus BlueCross BlueShield (NY)	Silver Select, Silver, NS, INN, Excellus BCBS EPO, Dep29, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture	Silver	EPO	$1,205	$3,200	$8,200	$22,663
Excellus BlueCross BlueShield (NY)	Bassett Preferred Gold, NS, INN, Dep25, Adult/Family Dental, Adult Vision, Tiered Network, Acupuncture	Gold	EPO	$1,206	$1,000	$9,000	$23,478
Excellus BlueCross BlueShield (NY)	Silver Standard, Silver, ST, INN, Excellus BCBS EPO, Dep25, Pediatric Dental	Silver	EPO	$1,209	$2,450	$10,150	$24,658
MVP Health Care	MVP Premier Plus Gold 1, Gold, NS, INN, NY Individual On Exchange HMO, Dep29, 3 PCP, Acupuncture, Preferred Facilities, Telemedicine, Wellness	Gold	HMO	$1,213	$1,200	$5,900	$20,455
MVP Health Care	MVP Premier Gold 1, Gold, ST, INN, NY Individual On Exchange HMO, Dep25, Telemedicine, Wellness	Gold	HMO	$1,226	$775	$10,150	$24,866
Excellus BlueCross BlueShield (NY)	Bassett Preferred Gold, NS, INN, Dep29, Adult/Family Dental, Adult Vision, Tiered Network, Acupuncture	Gold	EPO	$1,229	$1,000	$9,000	$23,752
Excellus BlueCross BlueShield (NY)	Silver Standard, Silver, ST, INN, Excellus BCBS EPO, Dep29, Pediatric Dental	Silver	EPO	$1,232	$2,450	$10,150	$24,933
MVP Health Care	MVP Premier Gold 1, Gold, ST, INN, NY Individual On Exchange HMO, Dep29, Telemedicine, Wellness	Gold	HMO	$1,239	$775	$10,150	$25,013
CDPHP	HDHMO HSA Qualified 33, Silver, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness	Silver	HMO	$1,262	$3,500	$7,000	$22,141
CDPHP	HDHMO HSA Qualified 33, Silver, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness	Silver	HMO	$1,266	$3,500	$7,000	$22,193
CDPHP	HMO Copayment 30, Silver, ST, INN, HMO Network, Dep25	Silver	HMO	$1,268	$2,450	$10,150	$25,361
CDPHP	HDHMO HSA Qualified 35 Silver, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness	Silver	HMO	$1,269	$2,850	$7,050	$22,273
CDPHP	HMO Copayment 30, Silver, ST, INN, HMO Network, Dep29	Silver	HMO	$1,272	$2,450	$10,150	$25,413
CDPHP	HDHMO HSA Qualified 35 Silver, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness	Silver	HMO	$1,273	$2,850	$7,050	$22,325
Excellus BlueCross BlueShield (NY)	Gold Select, Gold, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Acupuncture	Gold	EPO	$1,476	$1,350	$9,000	$26,718
MVP Health Care	MVP Premier Platinum 1, Platinum, ST, INN, NY Individual On Exchange HMO, Dep25, Telemedicine, Wellness	Platinum	HMO	$1,503	$0	$2,000	$20,034
Excellus BlueCross BlueShield (NY)	Gold Select, Gold, NS, INN, Excellus BCBS EPO, Dep29, Adult/Family Dental, Adult Vision, Acupuncture	Gold	EPO	$1,504	$1,350	$9,000	$27,054
MVP Health Care	MVP Premier Platinum 1, Platinum, ST, INN, NY Individual On Exchange HMO, Dep29, Telemedicine, Wellness	Platinum	HMO	$1,518	$0	$2,000	$20,215
Excellus BlueCross BlueShield (NY)	Gold Standard, Gold, ST, INN, Excellus BCBS EPO, Dep25, Pediatric Dental	Gold	EPO	$1,541	$775	$10,150	$28,646
Excellus BlueCross BlueShield (NY)	Gold Standard, Gold, ST, INN, Excellus BCBS EPO, Dep29, Pediatric Dental	Gold	EPO	$1,571	$775	$10,150	$28,997
CDPHP	HMO Triple Zero Copayment 24, Gold, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness	Gold	HMO	$1,586	$0	$8,700	$27,731
CDPHP	HMO Copayment 20, Gold, ST, INN, HMO Network, Dep25	Gold	HMO	$1,589	$775	$10,150	$29,213
CDPHP	HMO Triple Zero Copayment 24, Gold, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness	Gold	HMO	$1,591	$0	$8,700	$27,797
CDPHP	HMO Copayment 20, Gold, ST, INN, HMO Network, Dep29	Gold	HMO	$1,594	$775	$10,150	$29,279
Excellus BlueCross BlueShield (NY)	Platinum Select, Platinum, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Acupuncture	Platinum	EPO	$1,810	—	$6,350	$28,069
Excellus BlueCross BlueShield (NY)	Platinum Standard, Platinum, ST, INN, Excellus BCBS EPO, Dep25, Pediatric Dental	Platinum	EPO	$1,826	—	$2,000	$23,913
Excellus BlueCross BlueShield (NY)	Platinum Select, Platinum, NS, INN, Excellus BCBS EPO, Dep29, Adult/Family Dental, Adult Vision, Acupuncture	Platinum	EPO	$1,844	—	$6,350	$28,481
Excellus BlueCross BlueShield (NY)	Platinum Standard, Platinum, ST, INN, Excellus BCBS EPO, Dep29, Pediatric Dental	Platinum	EPO	$1,861	—	$2,000	$24,329
CDPHP	HMO Copayment 10, Platinum, ST, INN, HMO Network, Dep25	Platinum	HMO	$1,939	$0	$2,000	$25,267
CDPHP	HMO Copayment 14, Platinum, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness	Platinum	HMO	$1,940	$0	$3,000	$26,283
CDPHP	HMO Copayment 10, Platinum, ST, INN, HMO Network, Dep29	Platinum	HMO	$1,946	$0	$2,000	$25,349
CDPHP	HMO Copayment 14, Platinum, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness	Platinum	HMO	$1,947	$0	$3,000	$26,365
CDPHP	HMO Hybrid 13, Platinum, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellness	Platinum	HMO	$1,961	$200	$6,000	$29,536
CDPHP	HMO Hybrid 13, Platinum, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness	Platinum	HMO	$1,968	$200	$6,000	$29,619

Deductibles and a bad year, by metal level

Metal	Lowest	Typical*	Highest	Plans	Typical deductible	Typical out-of-pocket max	Typical bad year**
Bronze	$525	$883	$949	28	$5,500	$8,050	$18,588
Silver	$704	$1,012	$1,273	22	$2,650	$9,500	$22,167
Gold	$911	$1,228	$1,594	20	$775	$9,575	$24,309
Platinum	$1,112	$1,852	$1,968	14	$0	$2,000	$25,308
CatastrophicUnder 30 or hardship exemption only	$223	$223	$223	1	$10,600	$10,600	$13,279

* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.

Health sharing programs NOT INSURANCE

Health care sharing ministries and sharing communities are not insurance. They are not regulated as insurance, payment of your medical bills is not guaranteed, ACA tax credits and protections do not apply, and pre-existing conditions are often limited or excluded. Prices are national (same in every county) for one adult age 40, checked October 2026.

Side by side: the typical marketplace Bronze plan here is $883/mo with a legal out-of-pocket cap; a bad year ≈ $18,588 before tax credits. Many people get tax credits that cut ACA premiums a lot; health sharing never qualifies.

Program	Option	Monthly	You pay first, per need	One-need bad year†	Where
Christian Healthcare Ministries	Bronze	$115	$6,000	$7,380	No state limits listed
Christian Healthcare Ministries	Silver	$169	$3,000	$5,028	No state limits listed
Liberty HealthShare	Essential (single, 35-49)	$180	$4,000	—	No state limits listed
Samaritan Ministries	Basic (age 40-54, 1 person)	$185	$2,000	$6,720	No state limits listed
Zion HealthShare	Direct, $5,000 IUA (40-49, member only)	$188	$5,000	$7,256	Excludes MD, MA, PA, MT
CrowdHealth	Standard (ages 0-54), max monthly	$200	$500	$2,900	No state limits listed
Zion HealthShare	Direct, $2,500 IUA (40-49, member only)	$214	$2,500	$5,068	Excludes MD, MA, PA, MT
Sedera	SELECT+, $5,000 IUA (30+, member only, eff. 4/1/26)	$233	$5,000	$7,796	Check availability
Liberty HealthShare	Connect (single, 35-49)	$241	$1,000	—	No state limits listed
Sedera	SELECT+, $2,500 IUA	$251	$2,500	$5,512	Check availability
Zion HealthShare	Direct, $1,250 IUA (40-49, member only)	$254	$1,250	$4,298	Excludes MD, MA, PA, MT
Christian Healthcare Ministries	Gold	$299	$1,250	$4,838	No state limits listed
Sedera	SELECT+, $1,000 IUA	$309	$1,000	$4,708	Check availability
Liberty HealthShare	Unite (single, 35-49)	$312	$1,000	$4,744	No state limits listed
Samaritan Ministries	Classic (age 40-54, 1 person)	$330	$1,000	$4,960	No state limits listed
Sedera	SELECT+, $500 IUA	$437	$500	$5,744	Check availability

† 12 × monthly price + the amount you pay before sharing starts (plus any capped co-share) for one medical need. Two needs in a year can mean paying that amount twice. Not comparable 1:1 with an insurance out-of-pocket maximum, which is a legal yearly cap. Knew Health and Medi-Share publish prices by quote only. How health sharing works

How we make money: We have no affiliate links or paid placements yet. Payment never changes the order of any table or which option is labeled lowest. Disclosures