2027 Zion HealthShare Plans & Rates
Two Membership Options. Current 2027 Rates.
This page summarizes the Direct and Essential membership options and rates from the official 2027 rate sheet. HealthShare is not insurance; current Member Guidelines and state notices control.
Direct Membership
Direct Membership includes Preventive Sharing, pharmacy discounts through Zion RxShare, and Teladoc Virtual Care with complimentary 24/7 General Medicine visits, subject to current service terms.
Includes
- Medical cost sharing
- Preventive Sharing
- Zion RxShare pharmacy discounts
- Teladoc Virtual Care
- Complimentary 24/7 General Medicine visits
IUA Options
- $1,250 per sharing need
- $2,500 per sharing need
- $5,000 per sharing need
Review Before Deciding
- Current Member Guidelines
- Current state-specific notices
- Your expected care and prescriptions
- Membership start-date and withdrawal terms
2027 Direct Membership Monthly Contributions
$1,250 IUA
$2,500 IUA
$5,000 IUA
* Household memberships are not responsible for more than three (3) IUAs in a rolling 12-month period. After three IUAs are paid, additional eligible Sharing Requests over $500 have no further IUA.
Essential Membership
Essential Membership uses a base membership with optional add-ons for Preventive Sharing, Zion RxShare pharmacy discounts, and Teladoc Virtual Care. Review the current terms to understand how each selected service works.
Base Membership
- Medical cost sharing under current Member Guidelines
- Current rate-sheet contribution options
- Current membership start-date terms
- Member Portal administration
Optional Add-Ons
- Preventive Sharing (+$20–60/mo)
- Zion RxShare (+$10–20/mo)
- Teladoc Virtual Care (+$5–15/mo)
IUA Options
- $1,250 per sharing need
- $2,500 per sharing need
- $5,000 per sharing need
2027 Essential Membership Monthly Contributions
$1,250 IUA
$2,500 IUA
$5,000 IUA
Optional Add-On Services (Monthly)
* Household memberships are not responsible for more than three (3) IUAs in a rolling 12-month period. After three IUAs are paid, additional eligible Sharing Requests over $500 have no further IUA.
Who HealthShare Is For
HealthShare Works Best For These Situations
Self-Employed & 1099 Workers
Freelancers, contractors, and sole proprietors comparing HealthShare with Marketplace, private-plan, or other options.
Families
Families comparing monthly contributions, expected care, IUA responsibilities, and current Member Guidelines.
Small Business Owners
Business owners researching group membership, contribution approaches, and employee portability.
People Leaving Employer Plans
People transitioning off COBRA or an employer plan who want to compare current options carefully.
Decision checklist
Compare the Terms That Apply to You
HealthShare is not insurance. Rates shown are from the official 2027 Zion HealthShare contribution schedules. Official 2027 Zion HealthShare Membership Rates.
Understanding the IUA
What Is an Initial Unshareable Amount?
The Initial Unshareable Amount (IUA) is a member responsibility that applies to a medical need before related expenses may be eligible for sharing under the current Member Guidelines. It is structured differently from an insurance deductible.
Household memberships are not responsible for more than three IUAs in a rolling 12-month period. After three IUAs are paid, additional eligible Sharing Requests over $500 have no further IUA.
Next step
See a 2027 Membership-Contribution Estimate
Use the interactive calculator to review an estimate based on the selections you provide, then compare it with your current plan and care needs.
Zion HealthShare is not insurance. This site is operated by an independent marketing organization. View official guidelines at Zion HealthShare.