Health sharing, also known as health care sharing ministries (HCSMs) or health sharing organizations, is a form of alternative health insurance where members pool their money to cover each other’s medical expenses. Whether health sharing is right for you, depends on your individual circumstances and preferences. Here are some factors to consider:
- Financial Considerations: Health sharing can often be more affordable than traditional health insurance, with lower monthly premiums and deductibles. It’s important to review the cost structure, including monthly share amounts, deductibles, co-pays, and out-of-pocket maximums, to make sure they align with your budget and financial needs and understand what is eligible for cost sharing.
- Lifestyle and Beliefs: Health sharing organizations are often affiliated with religious or ethical beliefs, such as OneShare Health, and Members are expected to adhere to certain lifestyle guidelines, such as abstaining from tobacco and alcohol. If you align with OneShare Health’s organizational beliefs and lifestyle requirements, health sharing may be a good fit for you.
- Health Care Needs: Consider your current health status and anticipated medical needs. OneShare Health does not cover pre-existing conditions, and coverage for certain medical services or treatments may be limited or excluded. If you have ongoing medical conditions or require specific medical treatments, it’s important to carefully review OneShare Health’s coverage and limitations to ensure it meets your healthcare needs.
- Network and Provider Access: OneShare Health allows Members to utilize a healthcare provider of their choice. If you have preferred healthcare providers or specialists that you want to continue seeing, simply let the provider group know that you’re now a part of OneShare Health’s cost-sharing Ministry.
- State Regulations: Health sharing organizations, such as OneShare Health, are not regulated as insurance, and coverage is not guaranteed by state insurance departments. This means that there may be limited consumer protections, and it’s good to review OneShare Health’s policies, terms, and conditions to understand your rights and responsibilities so that you know what might be eligible for cost-sharing in your state.
- Risk Tolerance: Health sharing involves sharing medical expenses with other Members, and there may be some level of risk involved, including the possibility of not receiving sufficient funds to cover your medical expenses or the potential for changes in OneShare Health’s policies or guidelines. Consider your risk tolerance and ability to handle unexpected medical costs.
It’s important to read through OneShare Health’s policies and eligibility requirements to determine if health sharing is right for you based on your specific needs, preferences, and circumstances.
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Why We Partnered with OneShare Health® – OneShare Health® is on a mission to inspire healthier, joyful communities on the path of life by means of medical cost sharing. As a 501(c)(3) non-profit, they welcome and unite those who agree with their core Biblical principles on how to live life, take care of your health, and support others. OneShare Health® provides exceptional customer service and has shared over $183 million dollars in medical bills. The best part is, they’re a ministry with a chaplain on staff and a team of prayer warriors who are ready to pray with, and for you.
 Members benefit from these features:
- Enrollment 365 days per year, with next-day active dates available
- Freedom to choose ANY doctor or facility nationwide
- Telemedicine with a $0 consult fee available from day one
- A designated Member Support team
For a limited time, when you enroll with promo code ‘WOMENOFFAITH,’ you will receive $50 off the Application Fee! To enroll, call 682-688-8707 today.
OneShare Health, LLC is not an insurance company but a religious health care sharing ministry. For our full disclosures, see www.onesharehealth.com/legal-notices for the most up-to-date state availability listing.