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What IsHealthShare.com
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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

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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 how your expected routine care, doctors, and prescriptions would be handled
  • 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 2027 Zion HealthShare Member Guidelines
  • Review current official enrollment materials and state notices before making a decision

Ready to run the numbers? Use the calculator to see your exact 2027 rate.

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