2026 Zion HealthShare Plans & Rates
Two Membership Options. Accurate 2026 Rates. No Insurance Required.
Zion HealthShare offers two membership options — Direct and Essential. Both include no network restrictions, no open enrollment, and no annual or lifetime sharing maximums. Rates below are sourced from the official 2026 Zion HealthShare rate sheets.
Direct Membership
For individuals and families who want support when unexpected medical events occur. Includes Preventive Sharing, pharmacy discounts through Zion RxShare, and Primestin Care with 24/7 virtual care and self-guided mental-health resources — all built in.
Includes
- Medical cost sharing
- Preventive Sharing
- Zion RxShare pharmacy discounts
- Primestin Care virtual service
- TalkspaceGo self-guided resources
IUA Options
- $1,250 per sharing need
- $2,500 per sharing need
- $5,000 per sharing need
Key Features
- No provider network
- No open enrollment
- No annual/lifetime maximum
- Join same day
- Cancel anytime
2026 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
EXCLUSIVE TO THIS WEBSITEDesigned for companies and organizations. Includes medical cost sharing as the foundation, with optional add-ons for Preventive Sharing, Zion RxShare pharmacy discounts, and 24/7 Virtual Care — so you can customize the membership to fit your team's needs and budget.
✦ Essential Membership is only available through WhatIsHealthShare.com — you won't find this plan anywhere else.
Base Includes
- Medical cost sharing
- No provider network
- No open enrollment
- No annual/lifetime maximum
Optional Add-Ons
- Preventive Sharing (+$20–60/mo)
- Zion RxShare (+$10–20/mo)
- 24/7 Virtual Care (+$5–15/mo)
IUA Options
- $1,250 per sharing need
- $2,500 per sharing need
- $5,000 per sharing need
2026 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 who pay their own healthcare costs and want to stop overpaying for ACA plans.
Families
Families who are generally healthy and want to cut monthly healthcare costs without sacrificing freedom to choose any provider.
Small Business Owners
Business owners who want to offer a real healthcare benefit to employees without the cost and complexity of group insurance.
People Leaving Employer Plans
Anyone transitioning off COBRA or an employer plan who wants a lower-cost alternative without open enrollment restrictions.
Side-by-Side
HealthShare vs. Traditional Health Insurance
HealthShare is not insurance. Rates shown are from the official 2026 Zion HealthShare contribution schedules. View official Zion HealthShare guidelines.
Understanding the IUA
What Is an Initial Unshareable Amount?
The Initial Unshareable Amount (IUA) is the amount a member pays before expenses related to a medical need become eligible for sharing by the community. It works similarly to a deductible, but with one important difference: it applies per medical need, not per year.
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.
Ready to See Your Rate?
Get Your Exact 2026 Rate in 2 Minutes
Use the interactive calculator to see your exact monthly contribution based on your age, family size, and IUA preference.
Zion HealthShare is not insurance. This site is operated by an independent representative. View official guidelines at Zion HealthShare.