A Different Way to Handle Healthcare Costs (Without Traditional Insurance)

Educational overview of medical cost-sharing programs for families, self-employed individuals, and small business owners.

“Many families explore health sharing as an alternative to traditional insurance. This educational resource explains what it is, how it works, and how to review options.” - Health Sharing Member

What is Health Sharing?

Health sharing (also called medical cost sharing) is a way for individuals and families to voluntarily help one another with eligible medical expenses.

Instead of paying premiums to an insurance company, members contribute a monthly share that is used to assist other members with qualified medical needs. These programs are typically organized around shared values, personal responsibility, and transparency.

Health sharing programs are not insurance, and participation is voluntary. Each program follows its own published guidelines that outline what types of medical needs may be eligible for sharing.

Community-based approach to sharing eligible medical expenses.

Members contribute monthly to assist one another according to program guidelines.

Not insurance — a different model with specific sharing rules.

Understanding Medical Cost Sharing

Medical cost sharing is a non-insurance approach where members voluntarily assist one another with qualified medical needs. Programs operate under specific guidelines that explain eligibility, sharing limits, and participation requirements.

This educational overview is designed to help families understand whether this type of arrangement aligns with their healthcare preferences and financial comfort level.

Programs do not guarantee payment of any medical expense; sharing is subject to each program’s published guidelines.

Who is Health Sharing For?

Are comfortable outside traditional health insurance
Want flexibility in choosing doctors and providers
Value transparency in healthcare costs
Are generally healthy and take personal responsibility for their care
Prefer programs built around shared values and community
Are self-employed, independent workers, or between traditional coverage options
Participation is always a personal decision and depends on individual circumstances and program guidelines.

Health Sharing Is Not A Fit For

Individuals seeking the protections and guarantees of traditional health insurance
Those who need predictable, guaranteed claim payments
Individuals with complex or long-term medical needs
Anyone uncomfortable with participation guidelines
People seeking government-regulated coverage
Those not comfortable with shared-cost models
Participation is always a personal decision and depends on individual circumstances and program guidelines.

Terms & Conditions