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Health SharingReport

Solidarity HealthShare

Catholic-rooted sharing ministry. The only nationally marketed Catholic HCSM in this catalog. Not insurance.

Editorial score
74
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
Solidarity HealthShare
Underlying sharing organization
Solidarity HealthShare
Program administrator
Solidarity HealthShare
Underlying program group
solidarity-core
Membership standard
Catholic-rooted shared beliefs
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

  • Catholics and others who accept Solidarity’s statement of shared beliefs

Not ideal for

  • Households that will not accept the shared-beliefs statement
  • Anyone needing guaranteed payment

Program facts

Monthly share
Household type plus selected Annual Unshared Amount. Confirm the current Solidarity schedule.
Member responsibility (IUA)
Annual Unshared Amount selected with the program (ONE / SAVVY / SHIELD). Not a per-need IUA in the Zion sense.
Household pricing
Single, couple, or family. Changing membership type can reset the Annual Unshared Amount.
State availability
Confirm current geographic rules.
Pre-existing conditions
The 2024 guidelines say the ministry may decline applicants with active pre-existing needs. Disclose on the application.
Waiting / phase-in
Program-specific. Confirm the selected program page.
Maternity
Eligible when it meets the selected program’s terms and the Ethical and Religious Directives. Confirm the current program page.
Preventive
Not an ACA mandate. Program-specific.
Prescriptions
Confirm the selected program page.
Virtual care
Confirm current partners.
Provider access
Typically any provider. Procedures contrary to the USCCB Ethical and Religious Directives are out of scope.
Limits
ONE: eligible expenses up to $1 million per incident per year. SAVVY and SHIELD are narrower.
Membership requirements
Catholic/Christian lifestyle and shared beliefs. You do not have to be Catholic if you accept the guidelines and the ERDs.
Cancellation
Ministry membership rules.

Read the program’s own guidelines

How this score was built

DimensionWeightScore
Sharing scope and material limitations

ONE shares eligible expenses up to $1 million per incident per year after an Annual Unshared Amount. The ministry may decline applicants with active pre-existing needs.

2074
Cost and member responsibility

Household type plus a selectable Annual Unshared Amount. Monthly contribution is not a premium and is not frozen here.

2072
Transparency and guideline clarity

2024 sharing guidelines are public. ONE / SAVVY / SHIELD / LEGACY each have a program page.

2076
Member support and advocacy

Documented enrollment and sharing process. Catholic social-teaching framing is material for some households.

1572
Provider access and included services

Typically any provider. Sharing follows the Ethical and Religious Directives — some procedures are out of scope by design.

1072
Administration and operating history

Melita Christian Fellowship Hospital Aid Plan lineage predating December 31, 1999. CMS-named.

1084
Evidence freshness and completeness

Reviewed the 2024 sharing guidelines and the ONE program page on 2026-09-01. A 2026 consolidated PDF was not found.

572

Known limitations

  • Catholic membership is not required if the applicant accepts the shared-beliefs / ERD standard.
  • Faith and conscience limits are a hard filter, not a scoring penalty.
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