Affordable Healthcare for Self-Employed Individuals

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How Do You Get Affordable Healthcare If You Are Self-Employed?

If you are self-employed, you can join a Health Share for truly affordable healthcare. In this post, I will explain what a Health Share is, how it works, the benefits, and which Health Share is the best fit if you are self-employed.

What is a Health Share?

A Health Share is a proven and effective non-insurance solution for managing large, unexpected medical expenses. A Health Share is a non-profit organization that is built on a community of like-minded people who rely on each other to pay for large and unexpected medical bills.

How does a Health Share work?

Members contribute money each month to the Health Share community to help those in need. When they have an eligible sharing request, they pay their member responsibility amount (which is comparable to a deductible) and then the Health Share community pays for the rest of the eligible sharing requests.

Why a Health Share is Perfect if you are Self-Employed

• Save Money. This is the number one reason why most people choose to join a Health Share over Health Insurance.
• Community. Members choose a community that fits their personal beliefs or lifestyle choices.
• Less or no Network Restrictions. Health Share members typically enjoy more freedom to choose which Doctors or healthcare providers they want to see. For preventative services, most Health Shares seem to have a network that they work with.
• Nationwide or Worldwide sharing. Health Shares usually have sharing available to people all throughout the United States and even abroad. Health Shares are a great option for those who love to travel.

Why I Recommend Zion HealthShare If You Are Self-Employed

• Zion HealthShare members typically save 30-60% off of traditional Health Insurance.
• Zion HealthShare accepts members of all faiths.They are a community of individuals who strive to live a healthy lifestyle and want to share in the costs of one another’s medical burdens. With a healthier community of members, this helps keep costs down for everyone.  
• Zion HealthShare does not have annual or lifetime caps on eligible need requests. This gives people peace of mind if very large medical expenses come up, they are not capped.
• Zion HealthShare is known in the industry and to its members for processing sharing requests quickly – often within five to ten business days (once all receipts and bills are submitted)! 
• Zion HealthShare has great Maternity Shared Services. Members first pay their IUA (the amount they choose to pay before the community shares in medical expenses). Afterward, 100% of your eligible maternity sharing request will be shared.
• Zion HealthShare allows people with pre-membership conditions to join the health share – rather than denying them. Instead, they offer a waiting period for pre-membership conditions and a phase-in of sharing in these pre-membership conditions. 
• Zion HealthShare is a Nationwide HealthShare. US residents in every state – except Washington State – can become a member.
• Zion HealthShare will share in emergency or urgent medical expenses incurred outside the United States.
• Members can work with providers of their choice – without network restrictions. 

Read my Zion 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.