This question is one of the most frequent information requests we get from site messages. It’s also incredibly difficult to answer, since there’s so much variety! Today, we’ll explain a bit about what to expect from healthshare pricing.
Factors that determine pricing
Most health shares use flat-rate pricing, meaning that potential members can see what they would pay in a month right on the website. All healthshares using this flat-rate pricing show pricing tiers: monthly cost depends on the membership level, the member’s age, and, occasionally, how many people will join the healthshare.
Age is simple enough to understand: older members tend to have more medical costs; therefore, healthshares charge them higher monthly fees. But we feel that we should review membership tiers, just a little.
Understanding membership tiers
Although healthshares are not insurance, anyone who has used traditional insurance in the past should be familiar with plan options and pricing. The better coverage you receive, and the lower your deductible, the more you pay each month. In this sense, healthshares work the same way. While healthshares at the root focus on catastrophic or acute care, some companies offer more comprehensive membership options. These pricier options frequently include additional benefits such as preventive care and maternity sharing. People interested in a healthshare membership that helps a little more with everyday costs like doctor visits should consider joining a higher membership tier.
This isn’t common, but a couple HealthShares do require interested members to call or write in for a personalized price quote. When this happens, the company adjusts membership fees based on the cost of healthcare where the members lives. For example, someone living in New York City will likely have to pay more for their care than someone living in Little Rock. If you’re reviewing the site of a healthshare that seems promising, and see no pricing, expect that the company uses location-adjusted pricing.
So, what does it cost?
For a single person, the cheapest we’ve found is about $80/month for catastrophic-only coverage (like hospitalization and surgery bills). Medium pricing and membership tiers hover closer to $200. If you are over 50, there may be memberships charging about $300 a month; if you have a family, costs can be over $1,000/month. It varies so much!
We’ll break down some specific pricing below. When asked to choose an age group, we’ll stick to 30-40 to stay right in the middle, and focus on pricing for one person. When referring to the amount members must pay before the company will share bills, we’ll use “deductible” to introduce the concept (every healthshare has their own term for this and switching terminology with every entry gets confusing).
Altrua offers four plan options.
- Diamond: The most comprehensive membership. The lowest price for Diamond is $356/month, with no option to calculate based on member age.
- Emerald: Lowest price is $318/month; the lower price is because Emerald members have a lower lifetime sharing limit.
- Sapphire: Starts at $173/month. The Sapphire plan has an annual limit of $250,000.
- Ruby: Starts at $136/month. This plan has an annual limit of $150,000.
Christian Care Ministry (Medi-Share)
Medi-Share requests that potential members use a pricing calculator. According to this site, Medi-Share plans start at $81/month but can range all the way up to $1,229.
Christian Healthcare Ministries (CHM)
CHM has 3 membership levels, with the option to add something called Brother’s Keeper to these base tiers in order to increase cost sharing opportunities. Adding Brother’s Keeper to any membership level will increase pricing for that tier.
- Gold: $205 per unit, per month. No indication that costs change based on age; $500 deductible.
- Silver: $125 per unit, per month. $2,500 deductible.
- Bronze: $85 per unit, per month. $5,000 deductible.
Note: when we say “deductible”, it doesn’t work the same way as a health insurance deductible—expenses will not be shared if several provider visits, prescriptions, and services add up to cost $500. CHM helps with any bill equal to or more expensive than the chosen “deductible.”
Liberty has three base plans:
- Liberty Unite: Someone 35-49 would pay $309/month.
- Liberty Connect: The same age group costs $239/month. Members must pay 15% of their eligible bills; couples and families pay a higher “deductible” (AUA).
- Liberty Essential: $179/month, with a $600,000 sharing limit per incident. Other plans share $1 million. The Essential plan also has significantly higher AUAs.
Additionally, Liberty has two more membership options.
- Liberty Rise: Caters to people 18-29, with no children. Rise costs $119/month, with a $50,000 sharing limit per year.
- Liberty Assist: Caters to people over 65 who are already enrolled in Medicare Parts A and B. Pricing for Liberty Assist also depends on age. The lowest tier, age 65-69, costs $85/month. The highest tier, age 80-84, costs $155/month.
OneShare also requests that potential members use a pricing calculator, but they have basic pricing information available.
- OneShare Catastrophic: Starts at $70/month and does not include primary care, urgent care, preventive services, or maternity.
- OneShare Classic: Starts at $90/month. Classic has three membership tiers within this program option—Basic, Enhanced, and Crown. Those interested in maternity care, regular primary care visits, and/or specialist visits should choose the Crown option.
- Basic: This plan has a $1,500 “deductible” and Samaritan helps share 90% of eligible bills.
- Classic: The Classic plan has a $400 “deductible.” Samaritan shares 100% of eligible bills.
Sedera offers five different “deductibles” to choose from. We’ll look at an individual age 30-39, who does not use tobacco or vape (extra fee for tobacco use).
- $500 IUA: $244/month
- $1,000 IUA: $237/month
- $1,500 IUA: $212/month
- $2,500 IUA: $172/month
- $5,000 IUA: $147/month
Solidarity only has one program option for new members, Solidarity ONE. According to their guidelines, Soldarity ONE is their “most comprehensive program [that] allows the Member to select the level of sharing participation to determine the Monthly Contribution Amount, the Annual Unshared Amount and Senior Discount.” Potential members must request a quote.
The Solidarity ONE membership shares a maximum of $1 million per incident, per year.
A single member of United Refuah pays $199/month, plus a $10 credit card fee. A family (up to 6 members) pays $499/month, plus a $20 credit card fee. There are no additional fees based on age.
Zion has four age tiers, plus the option to choose from 3 “deductibles” (per incident, in their case, not annual):
- $1,000 IUA: $213/month
- $2,500 IUA: $180/month
- $5,000 IUA: $158/month
We hoped this gave you a basic idea of healthshare costs. It’s a lot of information, but we hope that seeing a middle price range can narrow down which ministries may best fit your budget. Thanks for reading!