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. There are several plans to choose from, including Catastrophic, Classic, and Complete. The Catastrophic plan covers diagnostic services, plus emergency room visits, surgeries, and hospital stays, while Classic and Complete plans pay 100% of preventative services and offer $20 co-pays on most doctor’s visits. Members who contribute to Classic and Complete plans also share up to $10,000 of end-of-life costs, with a $1,000,000 lifetime sharing maximum.
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 they are granted the ability to 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, most preventative services are covered 100%, while tobacco users can expect to pay a higher premium each month. Below are a few of OneShare’s membership levels:
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 will take care of 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 OneShare Complete program is available at the same three levels as Classic (Basic, Enhanced, and Crown). As the name suggests, this program offers the most comprehensive coverage for families and individuals.
The same six discount programs that are available to Classic members are offered to Complete members as well.
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.
An additional $60 per member per month will be added for tobacco users, regardless of age, number of family members, or chosen plan.
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.
Members and producers can sign up over the phone at 833-513-4931, or you can submit your information and get an email response. No in-person paperwork is required.
OneShare Health is not available in MD or VT, but most states do allow medical cost-sharing plans.
Other faith-based health sharing plans similar to OneShare Health include CCM, Christian Healthcare Ministries, and Samaritan Ministries. Each plan is based on Biblical beliefs and asks members to sign a statement of belief when joining.
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