OneShare Health membership
Christian HCSM with Anabaptist roots. Alliance member. 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
- OneShare Health
- Underlying sharing organization
- OneShare Health
- Administrator
- OneShare Health
- Underlying program group
- oneshare-core
- Editorial score
- 69 (2026.2)
- Reviewed
- 2026-09-01
- Status
- Enrolling
- State exclusions
- No verified exclusion list
Guideline facts
- Monthly share
- Program- and ISA-banded household shares. Confirm the current OneShare schedule.
- Member responsibility
- 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%.
- Pre-existing
- Waiting periods and pre-existing limitations are in the guidebook. Do not assume day-one sharing.
- Waiting periods
- 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.
- Limits
- Per-incident and lifetime maximums are per member and vary by program. Percentage sharing on hospital and surgery is material.
- Cancellation
- Ministry membership rules.
- SourceOneShare Health guidebook (public PDF)Effective 2026-09-01Reviewed 2026-09-01
- SourceOneShare — maternity and preventive sharing expansion (August 1, 2026)Effective 2026-09-01Reviewed 2026-09-01
- SourceAlliance of HCSMs — member ministriesEffective 2026-09-01Reviewed 2026-09-01