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Health SharingReport

Zion HealthShare

Secular cost-sharing with no faith statement. HSA Secure is this program plus a MEC policy — not a second share.

Editorial score
75
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
Zion HealthShare
Underlying sharing organization
Zion HealthShare
Program administrator
Zion HealthShare
Underlying program group
zion-core
Membership standard
Secular — no statement of faith
Sharing model
Secular medical cost-sharing
Directory status
Enrolling
State exclusions (verified)
Not WA
Operating since
2019
CMS-named HCSM
No / not applicable

Sold under other names

  • HSA Secure (Zion + MEC) — Zion HealthShare membership bundled with an HSA-qualified MEC insurance policy. Same underlying share as Zion. The MEC is insurance; the share is not.

Best for

  • Secular households comparing IUA-style sharing
  • Readers who were offered ‘HSA Secure’ and need the underlying program named

Not ideal for

  • Washington residents — published exclusion
  • Anyone who needs a payment guarantee
  • Households that need day-one sharing of most pre-existing conditions

Program facts

Monthly share
Age-, membership-type (Direct or Essential), and IUA-banded household shares. Confirm the current Zion schedule. We do not publish a frozen floor.
Member responsibility (IUA)
Selectable IUA of $1,250, $2,500, or $5,000 per eligible sharing request. Households pay no more than three IUAs in a rolling 12-month period. Maternity uses a separate IUA in the maternity section.
Household pricing
Individual, couple, and family-style tiers. Direct vs Essential changes preventive sharing.
State availability
Published exclusion: Washington. See Zion’s Washington Statement in the January 2026 guidelines.
Pre-existing conditions
24-month lookback. One-year wait, then phase-in to $125,000 per request by year four and $125,000 per 12 months thereafter. Controlled hypertension, cholesterol, and type 1/2 diabetes can be excepted if not hospitalized in the prior 12 months.
Waiting / phase-in
Pre-membership clock is one year. Preventive sharing has a six-month wait. Lowering an IUA starts a 60-day wait.
Maternity
Shareable under the maternity section with a structured maternity IUA. Newborns from an eligible maternity request follow a separate add-on rule.
Preventive
Direct includes specified preventive sharing after a wait, not subject to the IUA. Essential needs the Preventive Sharing add-on. Not an ACA mandate unless bundled with a MEC (HSA Secure).
Prescriptions
Program-specific. Confirm the current unshareable list in the January 2026 book.
Virtual care
Advertised on the public site. Confirm current partners.
Provider access
Typically any licensed U.S. provider. Sharing is not a network contract. Bills must be submitted within six months.
Limits
Pre-membership phase-in caps apply. After year four, pre-membership sharing resets at $125,000 per membership year.
Membership requirements
No statement of faith. Lifestyle / eligibility rules still apply.
Cancellation
Membership timing is not federal Open Enrollment.

Read the program’s own guidelines

How this score was built

DimensionWeightScore
Sharing scope and material limitations

Secular IUA sharing. Pre-membership conditions: 24-month lookback, one-year wait, then phase-in to $125,000 by year four. Controlled hypertension, cholesterol, and diabetes can be excepted.

2073
Cost and member responsibility

Selectable IUA of $1,250 / $2,500 / $5,000. Households pay no more than three IUAs in a rolling 12-month period. Maternity uses a separate IUA. Not a quote.

2075
Transparency and guideline clarity

January 2026 member guidelines are public as a PDF and define IUA, preventive add-ons, and Washington exclusion.

2080
Member support and advocacy

Published sales, maternity, and needs lines. Toolbox pages restate the guideline. We do not treat reviews as evidence.

1570
Provider access and included services

Typically any licensed U.S. provider. Direct membership includes specified preventive sharing after a wait; Essential needs the add-on.

1076
Administration and operating history

Publicly operating since 2019. Newer than the long-running ministries. HSA Secure is this program plus a MEC, not a second share.

1068
Evidence freshness and completeness

Reviewed the January 2026 member guidelines on 2026-09-01.

580

Known limitations

  • Washington is a published enrollment exclusion.
  • HSA Secure is an alias of this program plus a MEC insurance policy.
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