Affordable
Health Sharing
for Families
Explore health sharing options with a 29-year 501(c)(3) nonprofit. Access a network of 1M+ providers and learn about community-based healthcare alternatives. Plans starting at $289/month.
Trusted by 50,000+ families nationwide
Starting at
$289
/month per family
Live Network
1M+ Providers
Nationwide access
Serving Members
Families Served
Medical Expenses Shared
Doctors & Providers
How Health Sharing Works
A community-based alternative to traditional insurance. Members share each other's medical expenses — it's simple, transparent, and affordable.
Monthly Contribution
Members share a predictable, affordable monthly contribution — far less than traditional insurance premiums. Plans start at just $289/mo for a family.
Secure Escrow Fund
Your contributions are held in a secure, independently audited escrow account — not corporate profits. Every dollar goes toward member medical needs.
Direct Provider Payment
When you need care, we negotiate bills and pay providers directly from escrow. No paying upfront and waiting for reimbursement — ever.
✓ 501(c)(3) Nonprofit
Altrua Ministries
Federally recognized · 29 years
17 Benefits in One Membership
From virtual doctor visits and 1,000+ prescriptions to emergency care, hospitalization, cancer treatment, and more — all in one convenient plan.
24/7 Virtual Care
$0 consult fee — primary, urgent & behavioral health anytime
★ IncludedPrimary & Specialist Care
6 visits/person/year · $35 fee · shared up to $300/visit
Emergency Room
$500 fee · shared up to $5,000/incident
Hospitalization
100% after MRA · shared up to max limit
1,000+ Free Prescriptions
~100 free at pharmacies · ~900 mail order (shipping only)
★ IncludedIn/Outpatient Surgery
100% after MRA · shared up to max limit
Cancer Treatment Sharing
Up to $500K/year · $1M lifetime
★ IncludedMaternity Sharing
$5K MRA · up to $12K yr 1 / $25K yr 2+
Chronic Maintenance
Covered within PCP visits · no pre-existing limitations
Imaging
100% after MRA · X-ray, MRI, CT scans
Laboratory Services
Discounted/shared lab tests within program guidelines
Vision & Hearing Discounts
Savings on exams, glasses, contacts & hearing
Durable Medical Equipment
Discounts on braces, crutches & medical supplies
SmileShare Dental
100% preventive sharing · basic & major restorative (add-on)
Auto/Home Insurance Savings
Save up to $2,000/year through our partners
Shopping & Travel Portal
$250 value free — deals on travel, shopping & more
Business Bill Negotiation
Save $30K–$1M on your business expenses
Plans for Every Family
No hidden fees. No enrollment windows. Cancel anytime. All plans include access to 1M+ providers nationwide.
Individual
Perfect for a single adult seeking affordable healthcare sharing.
Based on avg. contribution · Actual rates may vary
- 24/7 Virtual Care ($0 fee)
- 6 Primary Care Visits/Year
- Emergency Room Coverage
- 1,000+ Free Prescriptions
- 1M+ Provider Network
- Hospitalization Sharing
- Vision & Hearing Discounts
- Shopping & Travel Portal
Couple
Comprehensive sharing coverage for two adults.
Based on avg. contribution · Actual rates may vary
- Everything in Individual
- Both adults covered
- Maternity Sharing (yr 2+)
- Cancer Treatment Sharing
- In/Outpatient Surgery
- Imaging (X-ray, MRI, CT)
- Laboratory Services
- Auto/Home Insurance Savings
Family
Complete coverage for your entire family — children included.
Based on avg. contribution · Actual rates may vary
- Everything in Couple
- Unlimited children covered
- Pediatric care included
- Maternity Sharing (yr 1+)
- Chronic Maintenance
- Durable Medical Equipment
- Business Bill Negotiation
- SmileShare Dental (add-on)
Health sharing is not insurance. Contributions are not premiums. This is a faith-based, community health sharing program operated by Altrua Ministries, a 501(c)(3) nonprofit. Prices shown are illustrative averages and may vary based on age, location, and plan selection.
Why Families Are Switching
Traditional insurance premiums are at an all-time high. Health sharing offers a community-based alternative that puts families first.
Sky-High Premiums
$1,500–$2,500/mo with $8,000+ deductibles
Starting at $289/mo — save thousands
Restricted Networks
Narrow networks limit your choice of doctors
Nearly 1 million doctors nationwide
Hidden Fees & Surprise Bills
Copays and charges pile up fast
$0 virtual consult fees, 24/7 access
Enrollment Windows
Only enroll during narrow open enrollment
Year-round enrollment — join any month
Reimbursement Hassles
Pay upfront, wait weeks for reimbursement
Direct provider payment from escrow
Corporate Profits
Premiums fund shareholder profits
501(c)(3) nonprofit — every dollar goes to members
No insurance license required · Year-round enrollment · Cancel anytime
Search the First Health Network
Access 1M+ healthcare providers across the country. Search by location, specialty, or provider name.
You'll be directed to the First Health provider locator, which has access to 1M+ providers nationwide. All providers in the First Health network accept HealthShare Plans.
1M+ Providers
Access doctors, specialists, hospitals, and urgent care facilities nationwide
Advanced Filters
Search by name, specialty, location, or provider type for precise results
Direct Acceptance
All providers in this network accept HealthShare Plans directly
Health Sharing Blog
Educational content about health sharing, plan comparisons, member success stories, and expert tips to maximize your coverage.
What Our Community Says
"Was apprehensive at first but after a phone call to help me understand that the plan is flexible to fit our family's needs, I was happy to get on board. We've already saved over $4,000 this year."
Jandi Burkett
Member · Texas
"Very professional and personable. Answered all my questions clearly. The virtual care feature alone has been worth it — my kids have used it multiple times with zero out-of-pocket cost."
Dennis Acey
Member · Florida
"So friendly, not pushy at all! Very knowledgeable. I switched from a $1,800/month insurance plan to this and couldn't be happier. The prescription savings are incredible."
Dawn Hildebrand
Member · Colorado
"Love the ease of use and the idea of sharing medical costs without being so involved with a big insurance company. The community aspect really resonates with our family values."
Kristapher Harris
Member · Georgia
"Wonderful ministry I am proud to be a part of. They made it very simple to join and the onboarding was seamless. My entire family is covered and we're saving $800/month."
Darrell Davis
Member · Ohio
"After losing my employer insurance, I was desperate. This plan saved our family. The 24/7 virtual care is a game-changer — I've used it at 2am for my daughter and it was perfect."
Maria Santos
Member · California
Frequently Asked Questions
Everything you need to know about health sharing and our program.
Still have questions? Our team is here to help.
Call 1-800-555-1234Ready to Get Started?
Have questions about our health sharing plans? Our team of specialists is ready to help you find the right coverage for your family. No pressure, no sales tactics — just honest guidance.
✓ 501(c)(3) Verified Nonprofit — Every dollar goes to member medical needs, not corporate profits.
Important Disclaimer
- • Health sharing is not insurance and is not regulated by state insurance commissioners
- • Health sharing plans do not guarantee coverage of any medical expenses
- • Membership does not include coverage for pre-existing conditions during the waiting period
- • Members are responsible for their own medical bills; the organization is not liable for unpaid medical expenses
- • For complete terms, conditions, and limitations, please review the full Member Agreement