Altrua HealthShare membership
Christian cost-sharing administered by Altrua Ministries. Sharing publicly dated to 1996. Not insurance.
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.
- Consumer brand
- Altrua HealthShare
- Underlying sharing organization
- Altrua Ministries
- Administrator
- Altrua Ministries
- Underlying program group
- altrua-core
- Editorial score
- 69 (2026.2)
- Reviewed
- 2026-09-01
- Status
- Enrolling
- State exclusions
- No verified exclusion list
Guideline facts
- Monthly share
- Age- and household-banded shares on Diamond, Emerald, Sapphire, Ruby, and MyShare. Public contribution charts exist; we do not treat them as a quote.
- Member responsibility
- Member responsibility amount (MRA) that varies by product. Confirm the current book — the dated public GEMs PDF is March 2023.
- Pre-existing
- The 2023 GEMs book describes two-year, five-year, and lifetime limitations. Undisclosed history can be applied retroactively.
- Waiting periods
- Product-specific. Maternity on some products has a 90-day wait.
- Maternity
- FAQ: Diamond, Emerald, and optional MyShare after 90 days; year-one sharing capped and a $5,000 MRA. Confirm the current guideline, not the FAQ alone.
- Limits
- Lifetime limits vary by gemstone product on the public memberships page ($1M–$2M). Confirm the current guideline.
- Cancellation
- Ministry membership rules. Annual commitment form.
- SourceAltrua GEMs Membership Guidelines (March 2023) — latest dated public PDFEffective 2026-09-01Reviewed 2026-09-01
- SourceAltrua guidelines landing pageEffective 2026-09-01Reviewed 2026-09-01
- SourceAltrua common questionsEffective 2026-09-01Reviewed 2026-09-01
- SourceAlliance of HCSMs — member ministriesEffective 2026-09-01Reviewed 2026-09-01