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If you are looking for OneShare Health reviews, you are in the right place.
In this post, I explain how OneShare Health works, how it differs from insurance, what each plan includes, how much it costs, and what you can expect as a member. You can also scroll down to read reviews from current or former members.
For your convenience, here is the OneShare Health Member Guidelines for you to review.
About OneShare Health
OneShare Health is a health care sharing ministry, often called a health share. It operates differently from traditional health insurance and follows a faith-based approach.
The organization has roots in the Anabaptist faith. They welcome anyone who agrees with their core biblical principles and their Statement of Beliefs. As an ACA-exempt option, OneShare offers flexible programs for people looking to reduce their healthcare expenses.
Is This Christian Health Insurance?
Some people casually call OneShare Health “Christian insurance.” However, that term is inaccurate. OneShare Health is not an insurance company, and they do not offer insurance plans. Instead, they operate as a health care sharing ministry.
Does OneShare Health Offer Traditional Health Insurance?
No. OneShare Health does not offer health insurance or provide minimum essential coverage. Because they are not insurance, they do not guarantee payment. Even so, many people consider OneShare a more affordable alternative for larger medical bills.
OneShare shares in eligible medical needs according to their guidelines. Members participate month-to-month and can cancel at any time, which gives the community strong motivation to support one another. Before joining, it’s helpful to read the guidelines so you know exactly what counts as an eligible medical need.
How Does a Health Care Sharing Ministry Work?
With a OneShare Health membership, you contribute a set amount each month to the community. Members are considered self-pay patients. When someone has a large or unexpected medical need, they first pay their personal responsibility amount. After they meet that responsibility, OneShare begins sharing the remaining eligible costs.
This structure works somewhat like a deductible, but it is not the same as an insurance deductible.
Requirements to Join OneShare Health
To join, you must agree to OneShare’s core biblical principles, which are based on the Anabaptist faith. Their member guidelines give a full explanation of expectations and responsibilities.
How Much Does OneShare Health Cost?
Monthly contributions range from $121 to $1,743.97, depending on:
- The number of people in the household
- Their ages
- The chosen program
There is an extra $50 per month for each child after the first three.
Member Responsibility Amounts
OneShare uses an Individual Sharing Amount (ISA). Members choose one of three ISA levels:
- $5,000
- $7,500
- $10,000
This is the amount a member pays before the community shares in their eligible medical expenses.
OneShare Health Program Options
OneShare offers two main programs:
- Catastrophic Program
- Classic Program
- Basic
- Enhanced
- Crown
Each level includes different sharing benefits and different maximum limits.
OneShare Health Catastrophic Program
This is the most affordable option. It works best for individuals in good health who only want protection for large, unexpected medical events.
Included
- Telemedicine
- X-rays, labs, and diagnostic imaging
- Specialists ($75/visit) for surgery-related care
- Emergency room services ($500 visit fee), shared up to $10,000 before ISA
- Inpatient and outpatient surgery
- Hospitalization
- Prescription discount program
- Discounts for health, wellness, and entertainment
- Mental health support
Not Included
- Preventive services
- Primary care visits
- Urgent care
- Maternity
OneShare Health Classic Program
All three levels share the same foundation, but each level offers different sharing limits.
Basic
- Max per incident: $150,000
- 1 primary care visit per year ($40 fee)
- No specialist sharing
- 1 urgent care visit per year ($75 fee)
- No maternity sharing
Enhanced
- Max per incident: $250,000
- 3 primary care visits per year ($40 fee)
- No specialist sharing
- 1 urgent care visit per year ($75 fee)
- No maternity sharing
Crown
- Max per incident: $500,000
- 5 primary care visits per year ($40 fee)
- Specialist visits: $75 fee
- 2 urgent care visits per year ($75 fee)
- Maternity sharing available after ISA
Preventative Healthcare at OneShare Health
Preventative care depends on the program.
Catastrophic Program
No preventative services are shared.
Classic Program
- 90-day waiting period (except immunizations)
- One wellness visit per member each program year
For out-of-network services, OneShare shares 50% after the ISA.
For in-network services:
- Preventative care is shared up to $1,000
- Primary care visits carry a $20–$50 fee
- Specialist visits carry a $75–$125 fee
Pre-Existing Conditions
OneShare defines a pre-existing condition as:
- Any condition for which a member received treatment, advice, services, diagnostic tests, prescriptions, or showed symptoms within 24 months before joining
- Any chronic condition known to the member, even without treatment
There is a 24-month waiting period for sharing any pre-existing conditions. During that time, medical needs relating to the condition are not shareable.
Some chronic conditions qualify for limited routine maintenance sharing, including:
- Hypertension
- Thyroid disorders
- Hyperlipidemia
These conditions have specific tests or screenings that may be shared under certain guidelines.
Maternity Benefits
Maternity sharing depends on the program:
- Catastrophic, Classic Basic, and Classic Enhanced: No maternity sharing
- Classic Crown: Members first pay their ISA. Then OneShare shares up to:
- $5,000 for natural delivery
- $8,000 for a C-section
- $50,000 for complications
Caps and Limitations
After members pay their ISA, OneShare may still require them to pay 20% to 40% of remaining medical bills, depending on the program. This can add up quickly during major health events.
Maximum sharing amounts:
- Per incident: $150,000 / $250,000 / $500,000
- Lifetime: $300,000 / $500,000 / $1,000,000
Turnaround Time for Paying Medical Bills
OneShare Health aims to process and share eligible medical expenses within 21 days.
Do I Recommend OneShare Health?
My goal is to help people find a health share that offers strong customer service and reliable support for major medical needs. Based on reviews I’ve seen, experiences with OneShare Health seem mixed. Some members report great service, while others describe challenges. Because of that, I would love to see more positive and balanced reviews.
Health sharing can still be a helpful and affordable option for people looking for alternatives to traditional insurance. If you want to compare OneShare Health with other programs, check out my article on the Best Health Shares.
Write a OneShare Health Review
Are you a current or former member of OneShare Health? If you have any experience with OneShare Health, 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 review!
OneshareHealthReviews.com
OneShare Health shares with no one. Visit OneShareHealthReviews.com for more information. Christian Health Quotes is just as crooked.
OK for now…
We have OSH catastrophic coverage w/$5k “deductible.” It only runs about $300-400/mo which is about $1000/mo less than what we had before. We pay out of pocket for “regular” medical visits, etc., but even of we hit the $5k, I figure I’m still $7k ahead (vs paying $1k/mo more), so it works for us. Have (thankfully) not had any “biggies” that we’ve had to deal with, so I can’t really say how well they pay or don’t pay. Been with them for about 6 months.
OneShare Health is a scam
First of all, the provider, Christian Health quotes, will take all your information, any medical conditions, and medications you take. They tell you everything looks good and accept you as a member. They take your money and then the nightmare begins. Visit my website I created to get the word out. OneShare health reviews.com for more of my nightmare. I have over 50 recordings with OneShare reps that will be posted soon. This is a deceptive company. Just one example. One of their voice recording states, “press 1 and your nine-digit phone number for a call back. Your phone number is 10 digits. There is so much more deceit that is on my website.
Do not get! If you get sick you will Pay because “everything” is pre-existing
Do not get this they will not cover anything because they use the excuse that you get hurt or sick because it is preexisting or you were destined to get sick or hurt. it is always your fault for what happens to you. i did have a pre-existing condition I did not ask for any help(Diabetes type 2) with I took care of the doctor visits for that. I got sick and went to The Hospital and found out that I was diagnosed with an Extremely aggressive Lung disease. Within 1 month I was placed on oxygen (never had issues before) and within 2 months was in a wheel chair and unable to walk more than 60 feet. OneShare Has not paid anything for the Hospital, Doctor or oxygen I needed. as of today they say all was Pre-existing because I was predestined to get this disease? Then Why did we pay to get help? OneShare is not Christian based as they state and do not cover any thing. I have called multiple times and the ladies on the other end treat and respect me well, but when I ask for a supervisor I’ve only had 1 time out of 3 times requesting. This has now been in review for just a year now and I have been put on disability due to not being able to work any more. I have not asked to pay the Endocrinologist or for any of my diabetic medications. I have my Diabetes under control and it was not the cause of the Lung disease. I also never contacted Covid or been sick prior to last year when this hit. If I could give a negative star I would. The people that answer the Phone are great and treat well ( would give them a 5 star), it is the upper management to keep pushing off what they need to Do and I know that they hope that I will stop calling every month to get this resolved. One day I shall pass and The upper management possibly hope I do so they don’t have to do what I signed up for. So remember everything in the future is pre-existing because God for knew it would be and that is why they don’t pay.
SCAM
OneShare health will not pay according to the contractual agreement. What they will do is continue to request information for a “investigation” to see if anything and everything that you are covered for according to the contract is “pre existing”. You will get you credit score ruined due to the medical providers not getting paid and being sent to collections. If you can’t afford to pay the providers out of your own pocket and continue to fight for reimbursement from this scam company, your financial life can be ruined! Is this what a “Christian” company does? If anything, they are using christianity for marketing purposes only and that is one thing that will actually turn more people away from Christianity. Money and greed is the driver of this bogus company and that certainly is not of God! I think it’s time for a class action law suit against OneShare after seeing a lot of people going through the same thing.
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.
