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If you’ve been researching health shares, you already know there are a lot of options out there. Some are faith-based, others are more flexible, and they all seem to do things a little differently.
After reviewing dozens of health share programs — reading through member guidelines, costs, and hundreds of member reviews — one stood out above the rest.
That’s the one my family joined: Zion HealthShare.
In this post, I’ll share exactly why — what makes Zion HealthShare different, how our experience has been over the last few years, and why I feel completely confident recommending them.
What Makes Zion HealthShare Different
Most faith-based health shares require something called a Statement of Faith. That usually means you need to agree to specific denominational beliefs, attend church regularly, or even have your pastor sign a form each year confirming you’re a member in good standing.
Zion HealthShare takes a more inclusive approach.
Instead of a Statement of Faith, members agree to their Principles of Membership — a simple commitment to live an honest, ethical, and healthy lifestyle.
That includes things like:
- Avoiding illegal drugs
- Limiting alcohol use
- Taking personal responsibility for your health
- Helping others in the community
I love this because it makes Zion HealthShare open to people from all walks of life. You can believe in a higher power and live by good values without being tied to one denomination.
Even though Zion HealthShare is considered a secular health share, their principles still line up beautifully with my own Christian values. It’s welcoming, respectful, and community-minded — and that’s the kind of membership I want to be part of.
Cost and Value: Why Zion HealthShare Made Sense for Us
Let’s be honest — cost is a huge factor when it comes to healthcare.
Many health shares offer “budget” options that look appealing at first… but when you dig deeper, you realize those plans often come with limits — like only $300,000 in total sharing, high personal responsibility amounts, or waiting periods before unlimited sharing kicks in.
That’s not the case with Zion HealthShare.
Here’s what I found:
- Unlimited sharing begins right away — no waiting period, no upgrade fees.
- Simple options: three different Initial Unshareable Amounts (IUAs) — $1,000, $2,500, and $5,000.
- Transparent pricing: You know exactly what you’re paying for, with no hidden limits or surprise add-ons.
I chose the $1,000 IUA, and even with that lower amount, our monthly cost is still amazing for the value.
For me, that simplicity — and fairness — really stood out. Zion HealthShare makes healthcare affordable without cutting corners on what matters most.
Direct vs. Essential Membership: Which Is Right for You?
Zion HealthShare keeps things simple with just two membership types:
- Direct Membership – Includes everything most people need: large medical cost sharing, preventive sharing, telemedicine, and prescription discounts.
- Essential Membership – Focuses on large and unexpected medical needs, but allows you to add preventive sharing if you want it.
The Essential Membership is perfect for people who use a Direct Primary Care (DPC) doctor for everyday healthcare.
That’s exactly what my family does.
We joined a local DPC in 2024, and I switched from Zion HealthShare’s Direct Membership to the Essential Membership.
Here’s the math:
Our DPC membership costs about $200/month, and our Zion HealthShare Essential Membership adds up to just $50 more than the Direct Membership alone.
So together — DPC + Zion HealthShare— we get:
- Unlimited access to our doctor
- Affordable, direct care
- Cost-sharing protection for major medical needs
All for less than half of what traditional health insurance would cost.
It’s a combination I wish more people knew about. And interestingly, when I asked other health shares if they offered a DPC-friendly plan — they didn’t even know what that was.
Zion HealthShare is way ahead of the curve here.
The Real Difference: Member Experience
You can have great pricing and solid benefits, but none of that matters if the company doesn’t take care of its members.
That’s where Zion HealthShare really shines.
When I submitted my first large medical need, I accidentally sent a regular bill instead of an itemized one. Within a day, Zion HealthShare reached out to explain what they needed — clearly and kindly. I sent the correct document, and everything was handled quickly.
Every time I’ve had a sharing request, I’ve been reimbursed within about two weeks.
No chasing down payments. No endless waiting. Just fast, transparent help.
And I’m not the only one saying this.
I’ve heard from dozens of other members who share the same experience — quick help, clear communication, and genuine care from Zion HealthShare’s member team.
That kind of reliability is rare in healthcare.
Why I’ve Stayed with Zion HealthShare
At the end of the day, here’s what it comes down to:
✅ Their values align with mine — without requiring denominational restrictions.
✅ Their pricing is affordable, simple, and includes unlimited sharing.
✅ They’re DPC-friendly, making it easy to combine memberships for complete, affordable care.
✅ Their customer service is personal, fast, and responsive.
Put all that together, and it’s hard to imagine going back to traditional insurance… or even switching to another health share.
Zion HealthShare truly feels like a community — and one that I’m proud to be part of.
Ready to See What Zion HealthShare Looks Like for You?
If you’re curious what your monthly cost might be, you can get a free quote right now.
It’s quick, simple, and you don’t have to enter any contact information just to see the numbers.
Get a Quote from Zion HealthShare
Read Zion HealthShare’s Member Guidelines
For my family, joining Zion HealthShare has been one of the best decisions we’ve ever made — and I truly believe it could be a game-changer for yours too.
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.
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