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Health Share Plans can cost anywhere between $78 to $199 a month for an individual in their twenties and between $516 to $1,750 a month for a family with the adults being in their fifties or sixties.
This is a range of what members can pay each month, depending on which Health Share plan they choose, their age, and the amount of members on the account.
For example, with the lowest amount listed, it’s typically the price of a single adult with the highest Member Responsibility amount (the amount the member pays before the Health Share will “share” in medical expenses). The highest amounts listed are typically for an adult that is 60 year old with kids or teens living in the household.
Depending on how much you are willing to pay out of pocket before the Health Share community steps in, this will determine the price as well. The more financial responsibility you have, the less you have to pay each month. The less financial responsibility you have, the more you will pay each month.
Altrua HealthShare
Monthly Contribution Price Range: $105 to $900
Application Fee: $125.00 (one-time)
For the first Member Responsibility Amount: It is $500 (Diamond Plan), $1000 (Emerald Plan), $1500 (Sapphire Plan), or $7500 (Ruby Plan).
For the second MRA: If the member is on the Ruby Plan, the member is responsible for 50% of the next $10,000 per member ($5,000 maximum) if the licensed medical professional/facility is non-affiliated. If the member is on the Sapphire, Emerald, or Diamond Plan, the member is responsible for a maximum of $2,500 to the licensed medical professional/facility (maximum of $5,000 if Medicare Plus 25% isn’t accepted and licensed medical professional/facility is non-affiliated).
Christian Care Ministry (Medi-Share)
Monthly Contribution Price Range: $81 to $1,229
Additional Fees: $50 application fee (one-time when you apply) + $120 new member fee (one-time due with first month’s contribution) + $2 (one-time account set up) + $2 (monthly administrative fee) + $1 (monthly fee only if you choose statements sent by mail rather than email)
The Annual Household Portion (AHP) is the dollar amount that a Member Household agrees to pay toward Eligible Medical Bills before any eligible bills may be shared among the Members. The AHP amount resets every 12 months on the Effective Date.
Christian Care Ministry (Medi-Share) has several Annual Household Portion amounts: $3000, $6000, $9000, and $12000.
Christian Healthcare Ministries (CHM)
Monthly Price Range: $78 to $516 + additional costs per year and per quarter for the Brother’s Keeper if you want unlimited sharing.
Enrollment Fee: $40 administrative fee (annual)
Christian Healthcare Ministries has three levels of participation; Gold, Silver, and Bronze. Each level offers different levels of health cost sharing support.
The Gold Level – The Personal Responsibility Amount is $1,000 per incident.
Silver Level – The Personal Responsibility Amount is $2,500 per incident.
Bronze Level – The Personal Responsibility Amount is $5000 per incident.
Incident = An incident includes medical treatment or testing that lasts until one of the following events occur:
- A certain medical condition is cured according to official medical records;
- Treatment is at a routine maintenance routine; or
- You experience 90 days without any kind of treatment for that particular condition. The medical bills incurred from the first test to the last treatment before the doctor releases you to a regular, routine maintenance regimen are considered a single incident. If 90 days pass and you receive no further treatment, any future bills you incur will be considered a separate incident.
Liberty HealthShare
Monthly Contribution Price Range: $159 to $1,239 + $50 extra for each family member over 5 people.
Enrollment Fee: $125 – Liberty Share or $135 – Liberty Plus and Liberty Complete (one-time) and all programs have a $75 membership renewal fee (yearly)
The Annual Unshared Amount (AUA) for each program level must be paid before medical costs are eligible for sharing. Your AUA amount is determined by your account type;
Single: $1,000 (Liberty Unite and Liberty Connect) or $4,000 (Liberty Essential Plan)
Couple: $1,750 (Liberty Unite), $2,000 (Liberty Connect) or $8,000 (Liberty Essential Plan)
Family: $2,250 (Liberty Unite), $3,000 (Liberty Connect) or $12,000 (Liberty Essential Plan)
After you fulfill your Annual Unshared Amount (AUA), you may share eligible medical costs.
OneShare Health
Monthly Contribution Price Range: $115 to $1,750 (plus $50 for each child after the first three)
Enrollment Fee: $125 (one-time)
OneShare Health has Individual Sharing Amount (ISA).OneShare Health has three levels of personal responsibility amounts: $5,000, $7,500, and $10,000. This is the amount the member would need to pay before the OneShare Health community would share in any medical expenses.
Samaritan Ministries
Monthly Contribution Price Range: $135 to $555
Enrollment Fee: $200 (one-time)
The Initial Unshareable Amount, or IUA, is the amount that a member will pay before Samaritan Ministries shares in medical expenses. Your IUA amount will depend on which program you decide to join.
For the Samaritan Basic, your IUA amount is $1,500. For the Samaritan Classic, your IUA amount is $400.
Please note: If you want to change your program, there is a $100 fee to do so.
Sedera
Monthly Contribution Price Range: $113 to $1,713
Enrollment Fee: $30 (one-time)
The Initial Unshareable Amount (commonly referred to as the “IUA”), is the amount the member would need to pay before the Health Share will “share” in any medical expenses. The member chooses which IUA amount they want. Typically, the larger the member’s responsibility amount is before the Health Share “shares” in anything, the lower the monthly contribution amount.
Sedera has five IUA amounts to choose from: $500, $1000, $1500, $2500, and $5000.
Share Healthcare
Monthly Contribution Price Range: $149 to $659 (plus $50 for each child after the first two)
Enrollment Fee: $120.00 every year.
Members can choose between three sharing levels as well as the option to choose between a Per Event Personal Expense (PEPE) or an Annual Unshared Amount (AUA). These are the amounts you pay on your own – either on a per incident or per year basis – before remaining eligible medical expenses can be shared.
Per Event Personal Expense amounts can be: $300, $500, or $1,000.
The Annual Unshared Amount can be: $3,300 (single), $3,600 (couple), or $3,900 (family)
Solidarity Healthshare
Monthly Contribution Price Range: $149 to $599
Enrollment Fee: $135 (one-time)
The Annual Unshared Amount is the amount of money each member is responsible for regarding their health care costs before other members will begin sharing with them. This amount is $750 if you’re single, $1,500 for a couple, and $2,500 for a family.
Zion HealthShare
Monthly Contribution Price Range: $103 to $790
Enrollment Fee: $50 (one-time)
The Initial Unshareable Amount, or IUA, is the amount that a member will pay before the Zion HealthShare community shares in medical expenses. The IUA is also known as your personal responsibility. Zion HealthShare has three primary levels of personal responsibility: $1,000, $2,500, and $5,000. The lower your personal responsibility (or IUA), the higher your monthly contribution will be.
All qualifying medical expenses submitted after the IUA is met are shareable with the Zion HealthShare community at one hundred percent. There is no annual or lifetime limit. For each separate need, the Zion HealthShare community will share medical costs after the IUA is met. You will not need to pay the IUA for a single need again until you are symptom free for 12 months. Additionally, you will not be responsible for more than three IUAs in a rolling 12-month period.
Which Health Share Should I Join?
There are a lot of Health Share plans to choose from, which is great, but it can also get overwhelming!
After much research on all of the Health Shares, I ended up writing an article on the Best Health Share Plans. In this post, I narrow it all down and let you know which health share plans I recommend.
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