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Phoenix HealthShare is a brand new HealthShare. But this isn’t just another new health share that appeared out of nowhere.

Phoenix HealthShare was developed with Nathan Udy, who was previously involved in the founding and development of Zion HealthShare.

So while Phoenix HealthShare itself is new, there is some significant experience behind the organization.

And after looking through the Phoenix HealthShare membership information and guidelines, there are a few things that caught my attention.

In particular, Phoenix HealthShare is taking a somewhat different approach to health sharing, with a much greater emphasis on helping members navigate the healthcare system and negotiate the cost of care.

So let’s take a look at what Phoenix HealthShare actually offers, how much it costs, whether it’s faith-based, how the IUA works, what the limitations are, and what makes it different from other health shares.

Is Phoenix HealthShare Faith-Based?

Yes, Phoenix HealthShare describes itself as a faith-based sharing community.

However, this is not a health share that requires you to belong to a particular Christian denomination or follow a specific statement of faith.

Phoenix says members are free to practice their faith according to their own conscience and beliefs. There is no requirement to belong to a particular church, denomination, or religious tradition.

So I would describe Phoenix as faith-based, but not denomination-specific.

That makes it different from some of the more traditional faith-based health shares.

If you’re comfortable with a faith-based organization that doesn’t require a specific religious affiliation, Phoenix HealthShare is worth considering.

How Much Does Phoenix HealthShare Cost?

At the time I’m writing this review, Phoenix HealthShare does not publish a standard monthly contribution chart on its website.

What Phoenix HealthShare does publish are the three Initial Unshareable Amount (IUA) options:

• $1,250 IUA
• $2,500 IUA
• $5,000 IUA

This is what you, the member, would pay towards your medical bills if you have a large eligible medical bill for the community to share in.

And there is an interesting feature here that I haven’t seen structured this way with every health share.

Your IUA Can Be Reduced!

Phoenix HealthShare includes Care Coordination with its membership.

If you use Care Coordination for eligible care, your IUA can be reduced:

Membership IUA	IUA with Care Coordination
$1,250	$750
$2,500	$1,500
$5,000	$3,500

So if you choose the $1,250 IUA membership and use Care Coordination, your IUA can be reduced to $750.

That’s a huge savings for families!

And this brings me to what I think is one of the most interesting things about Phoenix HealthShare.

Care Coordination Is a Big Part of the Model

Most people think of a health share as something that helps with medical expenses after you receive care.

You get a bill.

You submit it.

The health share determines whether the need is eligible for sharing.

Phoenix HealthShare is putting much more emphasis on what happens before the medical bill exists.

Their Care Coordination team can help members find providers, compare prices, negotiate medical costs, and coordinate care.

This is particularly important because healthcare prices can vary dramatically from one provider or facility to another.

If you need an MRI, surgery, specialist, or other major medical service, the price you are quoted isn’t necessarily the price you have to pay.

Phoenix HealthShare has built its model around helping members navigate those decisions.

And because Care Coordination can reduce your IUA, there’s also a financial incentive for members to use the service.

That’s probably the biggest thing that makes Phoenix different from many of the other health shares I’m familiar with.

Does Phoenix HealthShare Have Provider Networks?

Phoenix HealthShare does not operate like traditional health insurance with a traditional provider network.

Members aren’t restricted to a specific network of doctors and hospitals.

Instead, Phoenix HealthShare emphasizes finding appropriate care and negotiating reasonable cash or negotiated pricing.

That distinction is important.

No network does not mean every provider’s full billed amount is automatically eligible for sharing.

Phoenix HealthShare’s guidelines give the organization the ability to negotiate medical expenses and determine reasonable pricing.

This is another reason Care Coordination matters.

The goal isn’t simply to find a doctor who will treat you.

It’s to help you find appropriate care at a reasonable price.

How Many IUAs Can You Have?

Phoenix has a maximum of three IUAs in a rolling 12-month period.

That’s important because an IUA applies to a medical need.

Once you’ve met three IUAs during that rolling 12-month period, you don’t simply start over with another full IUA for every additional eligible need.

After the three IUAs, Phoenix has a $500 sharing threshold for additional eligible medical needs.

This is one of those details that I think is easy to miss if you only look at the monthly contribution and IUA amounts.

The IUA is important, but you also want to understand how many times you could potentially be responsible for it.

Does Phoenix HealthShare Have Caps?

Phoenix does not have an overall annual or lifetime maximum for eligible sharing.

However, I want to make an important distinction here.

That does not mean everything is unlimited.

Like every health share, Phoenix HealthShare has specific eligibility rules, exclusions, waiting periods, and limitations for certain types of care.

So I would not describe Phoenix as having “no limits.”

A more accurate way to say it is:

Phoenix does not have an overall annual or lifetime sharing maximum, but specific types of medical needs can have their own eligibility requirements and limitations.

This is why I always recommend reading the member guidelines before joining any health share.

The headline number isn’t the whole story.

Pre-Membership Conditions

Phoenix HealthShare uses a 24-month lookback period when determining whether a condition is pre-membership.

During the first 12 months, pre-membership conditions aren’t eligible for sharing.

During months 13 through 24, Phoenix HealthShare allows limited sharing for pre-membership conditions, with a maximum of $50,000 during that period.

After 24 months of continuous membership, those conditions can generally move into the regular sharing rules, assuming the medical need otherwise meets the guidelines.

There is also an interesting exception for certain managed chronic conditions.

Phoenix HealthShare specifically addresses conditions such as high blood pressure, high cholesterol, and diabetes. When these conditions are effectively managed through medication, diet, and/or routine care, and the member hasn’t been hospitalized for the condition during the previous 12 months, they may not be subject to the same pre-membership condition limitations.

That’s a detail worth paying attention to if you have a common chronic condition that is well managed.

What About Maternity?

If you’re looking at Phoenix because you’re planning a pregnancy, pay very close attention to the waiting period.

Phoenix has a 12-month maternity waiting period.

The expected date of delivery needs to be at least 12 months after your membership begins for the pregnancy to qualify under the maternity guidelines.

The maternity IUA is:

• $2,500 with the $1,250 membership
• $2,500 with the $2,500 membership
• $5,000 with the $5,000 membership

Maternity also counts as one of your three IUAs in the rolling 12-month period.

So if you’re considering Phoenix specifically for maternity, this is not a health share I would recommend joining after you are already pregnant and expecting the membership to share that pregnancy.

The waiting period matters.

Preventive Care and Prescriptions

Another thing I noticed is that Phoenix separates some everyday healthcare services from the core sharing membership.

Preventive Care is available as an optional add-on.

Prescription sharing is also available as an optional add-on.

That’s worth knowing when you’re comparing the total monthly cost of Phoenix with another health share.

Don’t just compare the base monthly contribution.

Look at what you actually need and whether those additional services would be something you’d want to add.

What Makes Phoenix HealthShare Different?

After going through the membership information, I think there are a few things that really stand out.

1. It’s new — but the people behind it aren’t new to healthcare sharing.

Phoenix HealthShare launched in September 2026, so there isn’t a long member history to evaluate.

But the organization was developed with Nathan Udy, who was previously involved in the founding and development of Zion HealthShare.

That’s certainly something I’ll be watching as Phoenix grows.

2. Care Coordination is built into the membership.

This isn’t simply a customer-service phone number you call after receiving a huge medical bill.

Phoenix has made Care Coordination a central part of its model.

The goal is to help members make better decisions about where and how they receive care — and potentially negotiate a better price in the process.

3. Using Care Coordination can reduce your IUA.

This is probably the feature that caught my attention the most.

You’re not just getting help navigating care.

Using Care Coordination can actually reduce the amount you are responsible for when you have an eligible medical need.

4. There is no overall annual or lifetime sharing maximum.

Again, there are still specific limitations in the guidelines, but there isn’t an overall dollar cap on eligible sharing for the year or over the course of your membership.

5. You can remain a member after age 65.

Phoenix HealthShare doesn’t automatically require existing members to leave the program when they reach Medicare eligibility.

Existing members can continue participating while coordinating their Phoenix HealthShare membership with Medicare.

However, Phoenix HealthShare does not accept new members who are already 65 or older.

My Take on Phoenix HealthShare

It’s too early for me to tell you whether Phoenix HealthShare will become one of the major health shares in the industry.

It’s brand new.

There simply hasn’t been enough time to see how sharing requests are handled and how quickly the membership grows, or what the real-world member experience looks like.

But I think Phoenix HealthShare is worth watching.

The connection to people with experience developing health-sharing organizations is interesting, but what really caught my attention is the Care Coordination model.

I’ve always said that when you’re looking at a health share, you shouldn’t just ask, “How much is the monthly contribution?”

You need to ask:

What happens when I actually need healthcare?

How easy is it to find care?

How does the program handle medical bills?

How does it determine what is eligible for sharing?

What happens when the provider charges an unreasonable amount?

What are my responsibilities?

And what happens when I have a major medical event?

Phoenix is approaching some of those questions differently by getting involved earlier in the process and helping members navigate the cost of care before the bill gets created.

That’s what makes Phoenix HealthShare interesting to me.

But because this program is so new, I’m going to keep watching it.

As Phoenix builds its membership and we start to see more real-world member experiences, we’ll have a much better idea of how this program performs in practice.

For now, I’d put Phoenix HealthShare in the “watch closely” category.

It’s new.

It’s different.

And it has some experienced people behind it.

That’s enough to make me interested in seeing where Phoenix HealthShare goes.

Write your own Phoenix HealthShare Review!

Are you a current or former member of Phoenix HealthShare? If you have any experience with Phoenix HealthShare, please write a review! 

Reading other people’s Health Share experiences is a huge when trying to make a decision about which Health Share to join.

In fact, over 90% of people will read online reviews before they buy a product or service! Please consider writing a Phoenix HealthShare review!

Health shares are not insurance and do not offer insurance coverage. Membership in a health share does not guarantee the payment or reimbursement of medical expenses. Each organization operates under its own membership guidelines, which determine what expenses may be eligible for sharing. This publication is for informational purposes only and is not provided by an insurance company. For state-specific notices and full program details, please visit the respective health share’s official website.