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Formerly named Kingdom HealthShare Ministries, OneShare Health is a faith-based medical cost-sharing program. This health sharing plan is based on giving and serving others within the community of believers – a ministry for people with similar core beliefs. In fact, OneShare’s members agree to a statement of beliefs based on Biblical scriptures. Money contributed is tax-exempt, but OneShare Health is not insurance, and it’s not a health savings account (HSA).
The program, which claims to be 30-40% more affordable than insurance, was created to help members bless one another by sharing medical expenses. Notably, OneShare Health keeps a chaplain on staff and also honors member prayer requests.
In the spirit of helping those less fortunate, as well as share the burdens of fellow believers, OneShare allows members the freedom to choose their contribution amounts as well as their coverage types, offering several different plans in a variety of price ranges. Individuals, couples, or families contribute a monthly amount, which is ACA-exempt, and then share all types of medical costs with other members. Biblical principles of healthy living and avoid harmful behaviors are at the root of OneShare Health. Therefore, OneShare shares 100% of most preventive services, but tobacco users pay a higher premium each month.
This program is best suited for healthy people who want to have primary or secondary coverage for catastrophic emergencies and illnesses.
In addition to coverage in the chart above, memberships with Catastrophic coverage have access to discount programs for diabetic care and supplies, lab work, and hearing services and equipment
There are 3 levels of OneShare Classic membership: Basic, Enhanced, and Crown. This program helps with most medical needs, including hospital stays.
The Classic membership offers discount programs for dental, vision, and health screenings in addition to diabetic, lab and hearing discounts available with the Catastrophic plan.
The price members pay per month depends on several factors. The number of family members and member’s age is two of them. Another relevant detail is the individual sharing amount that the member chooses to contribute per year. ISA tiers are $5,000, $7,500, and $10,000 per year. OneShare offers members the flexibility to choose an individual membership, a Member +1 membership, or a family membership within each plan, so you’ll only pay for the coverage you need. Consider the following examples within the OneShare Classic program:
Families of 6 or more pay an additional $45 per dependent.
Plans for senior adults, those 60-64 years old, increase in price as is the case with most insurance policies.
OneShare charges an additional $60 per member per month for tobacco users.
Per OneShare Health’s informational website, “please provide your doctor with your new Member ID Card, which contains all the information they will need to contact OneShare Health and send in bills for processing. If a Provider sends you a bill for the difference between their billed charges and the Fair and Reasonable Amount, you will want to submit the bill directly to OneShare. Do not pay the bill without first contacting OneShare Health so that we can advocate on your behalf for the appropriate reimbursement amount. For your convenience, please email the balance bill to Correspondence@OneShareHealth.com.”
There is no limited enrollment period, so members can sign up at any time. OneShare offers many avenues of communication. Contact them via social media, including Facebook, Twitter, LinkedIn to get more information and assistance in choosing the correct plan. You can also view several helpful videos on OneShare’s YouTube channel.
You can sign up over the phone at 833-513-4931, or submit information online (scroll down).
OneShare Health is not available in NM, WA, MA, MD, VT, MT, and PA, so it may not work for all people. Other faith-based health sharing plans similar to OneShare Health include Christian Healthcare Ministries and Samaritan Ministries. Both ministries have good member reviews, and have operated well for a while, but prospective members should know that they focus more about catastrophic care. Samaritan also has a much stricter definition of what it means to be “Christian” and may not be open to all interested people.
Non-faith-based healthshares which might work include Sedera and Zion Health. These companies provide very similar services, but may not work well for people who really want a sense of Christian community.
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