A Smarter Way to Pay for Healthcare
Stop Overpaying for Health Insurance.
Thousands of families are cutting their healthcare costs by 30–50% with HealthShare — a community-based alternative that puts members first, not shareholders.
The Problem
The Healthcare System Is Broken.
Most Americans are paying more for healthcare than ever before — and getting less. Premiums rise every year, deductibles are so high you rarely use your benefits, and insurance companies routinely deny legitimate claims.
$23,968
Avg. family insurance cost in 2025
The Alternative
What Is HealthShare?
"A nonprofit community that shares major medical expenses directly — without the insurance middleman."
HealthShare programs are community-based organizations where members pool their monthly contributions to cover each other's major medical needs. Instead of paying premiums to a corporation, your money goes directly into a shared fund that helps real people in your community.
Important to Know
HealthShare is not insurance and is not ACA-compliant by itself. It is not a guarantee or contract, and contributions are not tax-deductible. It works best for healthy individuals and families who want lower costs and more freedom.
Simple Process
How HealthShare Works
Choose Your IUA
Select your Initial Unshareable Amount — $1,250, $2,500, or $5,000. This is your responsibility per medical event, similar to a deductible but more flexible.
Pay Monthly
Make your monthly contribution to the shared fund. Contributions are typically 30–50% lower than traditional insurance premiums.
Submit a Need
When a qualifying medical event occurs, submit your Medical Need Request online. The community reviews and approves shareable needs quickly.
Community Shares
After you pay your IUA, the community covers the remaining eligible costs. No annual caps, no network restrictions, no games.
The IUA Explained
Better Than a Deductible
Unlike a traditional deductible that resets annually and applies to every visit, your IUA applies per medical event. Follow-up visits for the same issue are included, and households are responsible for a maximum of 3 IUAs per rolling 12-month period.
Side by Side
HealthShare vs. Traditional Insurance
| Feature | HealthShare | Traditional Insurance |
|---|---|---|
| Monthly Cost | 30–50% lower | High & rising annually |
| Annual/Lifetime Cap | None | Often limited |
| Provider Choice | Any doctor or specialist | Network restrictions apply |
| Deductible / IUA | Per event, max 3/year | Annual, resets every year |
| Pre-existing Conditions | Phase-in schedule (Years 1–4) | Covered (ACA) |
| Claims Process | Direct community sharing | Insurance company review |
| Transparency | High — see where money goes | Low — opaque pricing |
| Maternity | Included ($2,500 IUA) | Included (ACA) |
| Preventive Care | Annual visit included | Covered (ACA) |
| Dental / Vision | Not included | Usually separate |
| ACA Compliant | No (may need short-term plan) | Yes |
Is It Right for You?
Who Can Join HealthShare?
Ages 18–64. No medical underwriting required. Kids can be added anytime.
Self-Employed & Entrepreneurs
No employer plan? HealthShare gives you affordable coverage without being locked into a corporate network or ACA marketplace.
Healthy Families
If your family is generally healthy and rarely hits your deductible, HealthShare lets you keep that money instead of giving it to an insurance company.
Cost-Conscious Individuals
Anyone paying more than they should for insurance they barely use. HealthShare is designed to save you real money every month.
Faith-Based Communities
Zion HealthShare is built on community values and mutual support — a natural fit for those who prefer a values-aligned approach to healthcare.
Small Business Owners
Offer your employees a meaningful healthcare benefit without the crushing cost of group insurance. No participation requirements.
Insurance Opt-Outs
Those who are frustrated with the insurance system and want a transparent, community-driven alternative that actually makes sense.
Coverage Overview
What's Shareable with Zion HealthShare?
Shareable Medical Needs
- Emergency care & urgent care visits
- Accidents and injuries
- Hospitalizations and surgeries
- Serious illness and cancer treatment
- Maternity care (6-month waiting period, $2,500 IUA)
- Preventive care — annual visit up to $175/member
- Well-child visits and adult screenings
- Virtual care / telemedicine
- Prescription assistance program
- Mental health support (optional)
Not Shareable
- Routine office visits (use DPC for these)
- Dental and vision care
- Elective or cosmetic procedures
- Pre-membership conditions (phase-in applies)
Pre-Existing Condition Phase-In
Pre-existing conditions are phased in over 4 years:
The Complete System
DPC + HealthShare = Full Coverage
Pair your HealthShare membership with a Direct Primary Care (DPC) practice for a complete healthcare system. DPC handles your routine, preventive, and primary care needs for a flat monthly fee — HealthShare covers the big stuff.
- Routine visits
- Preventive care
- Chronic conditions
- Lab work
- Prescriptions
- Hospitalizations
- Surgeries
- Emergencies
- Serious illness
- Maternity
Common Questions
Frequently Asked Questions
Ready to Save?
Create Your Free Healthcare Estimate Today
Use our interactive calculator to see your exact 2026 Zion HealthShare rates. Download your personalized estimate and enroll in minutes.
No obligation. No credit card required. Takes less than 2 minutes.