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Health SharingReport

OneShare Health

Christian HCSM with Anabaptist roots. Alliance member. Not insurance.

Editorial score
69
Methodology
2026.2
Reviewed
2026-09-01

Health sharing is not insurance. Programs are not legally required to pay medical expenses and do not have to provide Affordable Care Act protections. NAIC consumer guidance.

Identity and structure

We separate the consumer brand from the organization that actually administers sharing, so two white labels of one program cannot look like two independent choices.

Consumer brand
OneShare Health
Underlying sharing organization
OneShare Health
Program administrator
OneShare Health
Underlying program group
oneshare-core
Membership standard
Christian faith and lifestyle standards
Sharing model
Health-care sharing ministry
Directory status
Enrolling
State exclusions (verified)
No verified exclusion list
Operating since
2016
CMS-named HCSM
Yes — named among the large federal HCSMs

Best for

  • Christians comparing Alliance ministries

Not ideal for

  • Secular households
  • Anyone needing guaranteed payment

Program facts

Monthly share
Program- and ISA-banded household shares. Confirm the current OneShare schedule.
Member responsibility (IUA)
Individual Sharing Amount options (example Classic bands: $1,000 / $2,500 / $5,000 / $10,000 for an individual). Many services then share at 60–80%, not 100%.
Household pricing
Individual, individual+1, and family ISA tables. Visit fees apply on some services.
State availability
Confirm current geographic rules. A Pennsylvania-specific POST book is published.
Pre-existing conditions
Waiting periods and pre-existing limitations are in the guidebook. Do not assume day-one sharing.
Waiting / phase-in
Yes, for specified needs. Pre-notification is required for hospital, surgery, cancer, maternity, transplants, and home health.
Maternity
Historically Classic Crown only, with guidebook caps of $5,000 natural / $8,000 C-section / $50,000 complications, pregnancy must start after the effective date. An August 1, 2026 expansion is announced — confirm the current book.
Preventive
Not an ACA mandate. A blog dated 2026 raises a preventive sharing limit on Classic; confirm the current book.
Prescriptions
Discount card, not a formulary.
Virtual care
Virtual urgent care advertised at $0 consultation.
Provider access
Typically any provider. Services outside the United States are described as ineligible.
Limits
Per-incident and lifetime maximums are per member and vary by program. Percentage sharing on hospital and surgery is material.
Membership requirements
Christian faith and lifestyle standards. Anabaptist roots.
Cancellation
Ministry membership rules.

Read the program’s own guidelines

How this score was built

DimensionWeightScore
Sharing scope and material limitations

Classic and Catastrophic tiers. Several services share at 60–80% after ISA. Maternity has been Crown-only with low per-delivery caps; an August 1, 2026 expansion is announced.

2062
Cost and member responsibility

Individual Sharing Amount options plus visit fees and percentage sharing on many services. More member-heavy than a single IUA that then shares at 100%.

2068
Transparency and guideline clarity

A public guidebook and a July 2025 PA POST book. The August 2026 maternity/preventive expansion is on the blog — confirm the current book before relying on a cap.

2072
Member support and advocacy

Documented member channels and required pre-notification for major services.

1568
Provider access and included services

Typically any provider. Virtual urgent care is advertised. Preventive sharing is tier-limited.

1066
Administration and operating history

Anabaptist-rooted. Alliance member. CMS-named. Public brand dated 2016 with a longer sharing lineage.

1078
Evidence freshness and completeness

Guidebook plus July 2025 PA POST and the August 2026 maternity announcement. Dollar tables were not copied.

570

Known limitations

  • Maternity eligibility and caps are tier-specific. Read the current Classic book, not a competitor matrix.
  • Faith requirement is a hard filter, not a scoring penalty.
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