Health Care Sharing Plans

What is health care sharing?

Health Care Sharing Ministries, or HCSM, are organizations in which health care costs are shared among members who have common ethical or religious beliefs. Health care sharing ministries do not use actuaries, do not accept risk, and do not purchase reinsurance policies for its members.

Members of health care sharing ministries are exempt from the individual mandate requirement of ACA, or Obamacare; members are not required to have insurance. Generally, healthcare sharing plans are more affordable than the cost of traditional health insurance.

Are you interested in a Health Sharing Plan? Click here to find a plan that works for you and your budget.

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If a Health Care Sharing plan isn’t for you, not to worry, you have plenty of other options:

PPO Plans:

The Preferred Provider Organization, or PPO, is the most flexible type of health insurance plan. While an HMO asks that all patients seek medical treatment through their own network of providers, a PPO plan allows you to use doctors, hospitals, and providers outside of its network for an additional cost.

HMO Plans:

The Health Maintenance Organization, or HMO, is the most common type of health insurance. HMO offers a large network of pre-approved health care providers who will treat the patients that have their insurance. Each person on the policy will be assigned their own primary care physician, or PCP, who will oversee that person’s general medical care.

Short-Term Plans:

Temporary health insurance protects you when you face a gap in coverage, for example due to loss of job. Plans may last between 30 days and 12 months – depending on your location. The type of services covered are usually limited to medical emergencies. Preventative care is usually not included.

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