If you’re considering a health share, you may see references to something called a state notice or disclosure. They may not be the most exciting part of your research, but they play an important role in explaining how health shares are treated under different state laws. While these notices can feel like fine print or legal language at first glance, they exist for a reason—and understanding them can help you make a more informed decision before enrolling.

What Are Health Share State Notices?

Health share state notices are disclosures that explain how health shares operate under state law. Depending on the state, health shares may be required to include specific disclosure language about participation.

Health shares are not insurance, and state laws differ in how they treat health shares from one state to another. A state notice reflects how a specific health share fits within the laws of the states where it offers membership. This is why not every health share lists every state, and why the notices you see apply only to the states included for that organization.

While the exact wording may vary by state, these notices generally explain that:

Why Do Health Share State Notices Exist?

Because health shares operate differently from traditional health insurance, they are not regulated as insurance under the Affordable Care Act (ACA) and do not provide the same guarantees or consumer protections as traditional insurance plans.

For many people, this difference is also what makes health shares appealing. Health shares are built around voluntary participation and direct sharing of eligible medical expenses, which gives members more control over how healthcare costs are handled and how they engage with the process, compared to traditional insurance contracts and coverage restrictions.

To support informed decision-making, some states require disclosure notices so consumers understand how health shares fit within existing state law before enrolling.

Where to Find Health Share State Notices

Health share state notices are typically provided:

Always review the notice that applies to your state, as health shares may not offer membership in every state.

Health Share State Notices by Organization

Below are links to state notices for each health share, listed in alphabetical order. Each notice applies only to the states listed for that specific organization.

Why Reviewing Your State Notice Matters

Health share state notices are not just fine print. They explain how your state treats health shares and what disclosures apply. Always review the notice that applies to your state before enrolling and keep a copy for your records.

If your state is not listed in a health share’s state notice, it does not always mean the health share is unavailable in your state. A health share may offer membership in a state that does not require a specific disclosure notice. In other situations, the health share may not currently operate in that state, which is often indicated by a list of excluded or unavailable states provided by the organization.

Because state requirements vary, the best way to confirm availability and applicable disclosures is to review member guidelines or contact the health share directly.

This content is for informational purposes only and is not intended as legal advice or guidance on healthcare decisions.