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Health SharingReport

United Refuah membership

Jewish health-care sharing ministry. Claims succession from Maysville Fellowship Medical Aid Plan. 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
United Refuah
Underlying sharing organization
United Refuah HealthShare (successor to Maysville Fellowship Medical Aid Plan)
Administrator
United Refuah HealthShare
Underlying program group
united-refuah-core
Editorial score
71 (2026.2)
Reviewed
2026-09-01
Status
Enrolling
State exclusions
No verified exclusion list

Guideline facts

Monthly share
Single / couple / family monthly contributions are printed in the August 16, 2024 guidelines. We do not republish those dollars as a quote — confirm the current schedule.
Member responsibility
Annual PreShare ($500 single / $1,000 couple / $1,500 family in the 2024 book) then 20% CoShare to a household cap. Pregnancy responsibility applies on Single and Couple memberships.
Pre-existing
36-month lookback. Year one ineligible; $25,000 in years two and three; year four may lift the limit. High-dollar drug sharing stays ineligible for the life of the membership. Undisclosed conditions can be waived or terminated.
Waiting periods
First 60 days: acute illness/accident/injury only, $25,000 per member. That cap can follow the incident for the life of the membership.
Maternity
Eligible pregnancies must be prenotified. Single and Couple memberships carry an extra pregnancy responsibility; Family does not.
Limits
$1,000,000 per incident over the membership lifetime.
Cancellation
Ministry membership rules. Reapplication restarts new-member limits.