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The HealthShare
Comparison Checklist
25 essential questions to ask before switching from traditional health insurance to a HealthShare program. Know exactly what you're comparing — and what to watch for.
- See exactly what questions to ask before switching
- Understand what HealthShare does and doesn't share
- Know your timeline for pre-membership conditions
- Compare your current plan side-by-side with HealthShare
Used by thousands of HealthShare members nationwide
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What's Inside
A Preview of the Checklist
Section 1 — Understanding Your Current Plan
- What is your current monthly premium?
- What is your annual deductible?
- What is your out-of-pocket maximum?
- Are you currently using your plan, or paying for coverage you rarely need?
- When does your current plan renew?
Section 2 — HealthShare Basics to Know
- HealthShare is not insurance — it is a community-based cost-sharing model
- Members share each other's eligible medical expenses directly
- There is no open enrollment window — you can join any time of year
- The IUA (Initial Unshareable Amount) functions similarly to a deductible
- Pre-membership conditions have a phase-in period (typically 12–24 months)
Section 3 — Comparing Your Options
- Compare monthly contribution vs. current premium
- Compare IUA vs. current deductible
- Confirm your primary care doctor accepts direct-pay patients (for DPC combo)
- Review what is and is not eligible for sharing (maternity, preventive, major medical)
- Understand the phase-in timeline for any pre-existing conditions
Section 4 — Questions to Ask Before Enrolling
- Is there a waiting period before sharing begins?
- How are sharing requests submitted and processed?
- What is the member portal and how does it work?
- Are there any lifestyle or health requirements for membership?
- What happens if I need emergency care while traveling?
Section 5 — Your Next Steps
- Run your rate estimate at WhatIsHealthShare.com/rates
- Compare your estimate to your current premium + deductible
- Book a free call with Eric to ask any remaining questions
- Review the 2026 Zion HealthShare Member Guidelines
- Enroll online in under 10 minutes at zionhealthshare.org
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