A plain-language summary of the Zion HealthShare 2026 Member Guidelines. Use the search bar to find specific topics quickly, or browse by section. Always refer to the official PDF for complete details.
Zion HealthShare is a nonprofit healthcare sharing ministry — not an insurance company. Members contribute monthly to a shared pool, and when a medical need arises, the community shares eligible expenses together. There is no annual or lifetime maximum on eligible sharing.
Zion HealthShare began in 2019 and has become the fastest-growing, top-rated HealthShare in the nation. It is free from network restrictions, religious requirements, and enrollment limitations.
Contact Information
The IUA (Initial Unshareable Amount) is the amount a member pays before expenses become eligible for sharing — similar in concept to a deductible, but structured differently. There are three IUA options: $1,250, $2,500, and $5,000.
Key IUA Rules
Maternity IUA by Membership IUA
| Household IUA | Standard Maternity IUA |
|---|---|
| $1,250 | $2,500 |
| $2,500 | $2,500 |
| $5,000 | $5,000 |
A pre-membership medical condition is any condition where a member was examined, diagnosed, took medication, had symptoms, or received treatment within the 24 months prior to their membership start date.
Phase-In Sharing Limits
| Membership Year | Maximum Eligible for Sharing |
|---|---|
| Year 1 | $0 (waiting period) |
| Year 2 | $25,000 per sharing request |
| Year 3 | $50,000 per sharing request |
| Year 4+ | $125,000 per 12-month period |
Exception: High blood pressure, high cholesterol, and diabetes (types 1 & 2) are NOT considered pre-membership conditions as long as the member has not been hospitalized for the condition in the 12 months prior to enrolling and can control it through medication or diet.
This is one of the most important reasons to join sooner rather than later — the phase-in clock starts on your membership start date. The longer you wait, the longer before full sharing is available for existing conditions.
Disclaimer: This page is an independent educational summary of the Zion HealthShare 2026 Member Guidelines and is not affiliated with or endorsed by Zion HealthShare. HealthShare is not insurance. Membership does not guarantee payment of medical expenses. Always refer to the official Member Guidelines PDF for complete and binding terms. For questions about your specific situation, contact Zion HealthShare Member Support at 888-920-9466.
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