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If you are looking for Share Healthcare reviews, you are in the right place.
In this post, I explain how Share Healthcare works, how it differs from traditional health insurance, the costs involved, and what each plan includes. You can also scroll to the end to read reviews from current or former members.
For your convenience, here is the Share Healthcare Member Guidelines for your to review.
About Share Healthcare
Share Healthcare is a nonprofit medical cost-sharing ministry. They use modern technology to create a simple user experience and to help members access affordable healthcare.
Requirements to Join Share Healthcare
Members must agree to a Statement of Faith and identify as Christian. This includes believing in “the God of the Bible, His Son Jesus Christ, and the Holy Spirit.”
Is This Christian Health Insurance?
Some people casually refer to Share Healthcare as “Christian insurance.” However, there is no such thing as Christian insurance. Share Healthcare is not an insurance company and does not offer any type of insurance plan.
Is Share Healthcare ACA-Compliant?
Share Healthcare is an ACA-exempt medical cost-sharing ministry.
The Affordable Care Act
Since 2019, most Americans are no longer required to purchase Minimum Essential Coverage. Because of this change, many people can join a health share and use it as an alternative to traditional health insurance.
A few states still have their own mandates: California, DC, Massachusetts, New Jersey, Rhode Island, and Vermont.
If you live in one of these states, you may still need to meet a minimum coverage requirement. Vermont has no financial penalty at this time.
How Do Health Sharing Ministries Pay Medical Expenses?
With a Share Healthcare membership, you contribute a monthly amount to the community. Members act as self-pay patients, meaning they pay medical providers directly.
When a member experiences a large medical event, they first pay their personal responsibility. After that amount is met, Share Healthcare shares the remaining eligible expenses with the community.
This system works somewhat like a deductible, but it is not the same as insurance terminology.
How Share Healthcare Organizes Sharing
Each member must open a dedicated bank account for sharing. Monthly share amounts stay in the account until they are used to help pay another member’s eligible medical needs. This system gives members clear visibility into how their contributions support the community.
How Much Does Share Healthcare Cost?
Monthly contributions range from $149 to $659. There is an extra $50 per month for each child after the first two.
Members also pay a $120 enrollment and annual fee.
Member Responsibility Amounts
Members choose between three sharing levels and select either:
- A Per Event Personal Expense (PEPE)
- An Annual Unshared Amount (AUA)
These are the amounts you pay before Share Healthcare begins sharing eligible expenses.
PEPE options: $300, $500, or $1,000
AUA options: $3,300 (single), $3,600 (couple), $3,900 (family)
Does Share Healthcare Offer Preventative Sharing?
Yes. Annual wellness visits and routine screenings qualify for sharing once the PEPE or AUA has been met.
What About Pre-Existing Conditions?
Share Healthcare does not share any costs related to pre-existing conditions. These expenses remain the member’s responsibility for the entire length of the membership.
Other health shares may offer partial sharing after one or two years, and some remove pre-existing status after several years. Share Healthcare does not provide those options, so anyone with ongoing conditions should review this carefully.
Maternity Benefits
Share Healthcare shares maternity expenses after the member pays their PEPE or AUA. This includes:
- Labor and delivery
- Routine hospital expenses for the baby
- Covered complications
If a member becomes pregnant within the first two months of joining, the community shares up to 50% of the contributions paid to that point. For example, someone who contributed $2,490 could receive up to $1,245 in shared support.
Caps and Limitations
Share Healthcare does not have annual or lifetime caps on eligible sharing requests.
Turnaround Time for Paying Medical Bills
Share Healthcare has not provided a clear estimate for how long it takes to share medical expenses. When I asked for more details, I was told the timeline “depends on the provider,” and no specific timeframe was offered.
Do I Recommend Share Healthcare?
I aim to help people find reliable, affordable healthcare options—especially when dealing with large or unexpected medical bills. Health sharing can be a useful tool for many families.
If you want to compare Share Healthcare with other programs, take a look at my article on the Best Health Shares. It highlights several options and explains which ones I recommend.

Write a Share Healthcare Review
Are you a current or former member of Share Healthcare? If you have any experience with Share Healthcare, 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!
Reimbursement
I submitted bills 9 months ago and still haven’t received any reimbursements….this is not acceptable. Like someone previously stated that they are happy to take your annual renewal and monthly membership payments. I contacted them to see if I had submitted all the correct documentation for reimbursement and was told that everything was fine on my end. I can see where they have taken out of my account to pay other member’s medical expenses. I am very disappointed.
Great fit
My bill was paid for very fast ! I was impressed. 5 stars !
Have a problem reimbursing even with great advocates who pitch in to help
Like so many health sharing organizations, they started out great and ran into financial trouble. Between not getting reimbursed a year after submitting documentation, to being told an expense was a separate incident (who knew an anesthesiologist was optional for major surgery?), to a portal that shows everything processing for over a year with no updates, and upsetting providers who are impatient for reimbursement, this group is clearly no longer fiscally sound.
Whatever you do- DO NOT USE THIS COMPANY
I’m not really even convinced this is a legitimate company. I have over $20,000 in bills that I have accrued over the past 9+ months for having a baby. Share Healthcare has yet to pay ANY of it. I’ve talked to multiple representatives, even managers and nothing is being processed- they just keep blaming it on a third party pricing vendor that they recently brought on. I’ve had to pay out of my own pocket just to not get sent to collections so now they owe ME and my Providers and have yet to do so even with the hundreds of calls I’ve made. Now you can even get through their phone line. They are an absolute joke and are just stealing your money. If you want a health share company- go to samaritans or Medishare.
I am not sure if this is a good fit. Reimbursement is slower than mud moving uphill.
I have yet to be reimbursed on 4 medical bills totaling $2800 that have been approved. It has been over 90 days and when I called I was informed that the process is usually 30-45 days. The rep was kind and told me that they would reprocess all of the bills and I said that I would call back. Meanwhile, each month they keep taking out my $519 premium with no problem. Also in my portal, I can clearly see how they distribute the money to other people’s medical expenses. One expense got distributed ~$2600. What I am trying to say is that it seems like they are not big enough and doing well enough to effectively administrate and disburse. It could even be a case of taking from Peter to give to Paul. I would not recommend using them and I have been a member for over two years. The first time I really needed it they have failed miserably.
Recent I had a health scare
Recently I had a health scare and needed to goto the hospital. I paid my portion, and the rest of the expenses were shared into took less than thirty days. it was crazy fast so pelased with share
Very Friendly
Called in to customer service and they were very friendly and help with all my needs.
Response from Health Share 101
ATTENTION: I have seen multiple Share Healthcare Reviews that are from the same exact IP Address.
I just wanted to be transparent that this review might not be legitimate.
-Holly
HealthShare101.com
First impression
As a new member I was impressed with the help I received when I called in about providers. Mary provided me all the information I needed.
Response from Health Share 101
ATTENTION: I have seen multiple Share Healthcare Reviews that are from the same exact IP Address.
I just wanted to be transparent that this review might not be legitimate.
-Holly
HealthShare101.com
Fast bill payment
just noticed my bill was paid in less than 20 days. Was very please it was done so fast
Response from Health Share 101
ATTENTION: I have seen multiple Share Healthcare Reviews that are from the same exact IP Address.
I just wanted to be transparent that this review might not be legitimate.
-Holly
HealthShare101.com
Amazing customer support
I called the customer service number and the rep walked me through all the screens to show me how easy it is to find things and look at all transactions. The log in portal is really neat to use. Was very pleased with their kindness. Would recommend them for sure
Response from Health Share 101
ATTENTION: I have seen multiple Share Healthcare Reviews that are from the same exact IP Address.
I just wanted to be transparent that this review might not be legitimate.
-Holly
HealthShare101.com
Quick response and answered all my questions
Called in and spoke with a rep who answered directly with no holding time or call transfer. Answered all my questions on the program choices. Very knowledgeable and helpful
Quickly paid my bill
Submitted my first medical expense and to my surprise it was paid in 10 days. So far so good. Very responsive
Courtesy Call
Excellent Customer Service: I have only been a member just over 30 days & I had a rep contact me just to see how things are going. Walked me through my Member Portal which by the way is so simple and self explanatory. Not only can you see your Transaction History to know where your Monthly Share Amount is going but they also provide a map so you can see where your Sharing at as well.
Response from Health Share 101
ATTENTION: I have seen multiple Share Healthcare Reviews that are from the same exact IP Address.
I just wanted to be transparent that this review might not be legitimate.
-Holly
HealthShare101.com
Easy to use
by far the easiest bill submission and very prompt payment too
Response from Health Share 101
ATTENTION: I have seen multiple Share Healthcare Reviews that are from the same exact IP Address.
I just wanted to be transparent that this review might not be legitimate.
-Holly
HealthShare101.com
No network & fast
I love that they don’t have a network because we are ALWAYS traveling. Very easy to submit bills and because of their online banking approach they have been super fast in payment & reimbursements.
Alternative to insurance
I’m a big advocate for Share Healthcare. Great prices and bills are always paid on time. Along with a strong community
New member experience
I have been with Share Healthcare for a little over three months and so far the experience has been great. The sign up process was simple and they answered all my questions. I will definitely refer people to them!
Fast Bill Pay
I am excited that my expenses were shared into in less than thirty days! Their customer service department was patient with assisting me with getting those expenses submitted. I definitely recommend!
Response from Health Share 101
ATTENTION: I have seen multiple Share Healthcare Reviews that are from the same exact IP Address.
I just wanted to be transparent that this review might not be legitimate.
-Holly
HealthShare101.com
Very difficult to be reimbursed
Their customer service was great on the phone but they are ignorant on how the reimbursement works.
I was never told they don’t cover pre existing conditions. I had been trying to get help paying my visits to the clinic only to be told there are many reasons why they can’t reimburse me. My family paid close to $4000.00 into our account only to be told it was all for nothing. I’m super upset and devastated we lost all our money thinking we were getting insurance that can help our health care cost. ? We not only paid into the insurance but now we have to come up with money to pay the doctor bills as well.
Excellent Member service
The Member service team there is amazing there is never a hold time and there representatives are very polite kind and knowledgeable when speaking to them. Best customer service
Response from Health Share 101
ATTENTION: I have seen multiple Share Healthcare Reviews that are from the same exact IP Address.
I just wanted to be transparent that this review might not be legitimate.
-Holly
HealthShare101.com
Member Service
Top notch Member Service team!!
Willing to go above and beyond to make sure members are taken care of and answer all questions. Also have a fast turn around time on getting bills paid!
Awesome company
Customer service was very great. Share healthcare pays medical bills fast. I recommend Share Healthcare.
Great experience!!!!
I have been a member of different health sharing ministries since 2010. By far the best experience. Accepted by all of my families providers and bills were shared within 1 week from time of service. Very fast and website/banking is really easy to use.
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.




