Zion HealthShare membership
Secular cost-sharing with no faith statement. HSA Secure is this program plus a MEC policy — not a second share.
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
- Zion HealthShare
- Underlying sharing organization
- Zion HealthShare
- Administrator
- Zion HealthShare
- Underlying program group
- zion-core
- Editorial score
- 75 (2026.2)
- Reviewed
- 2026-09-01
- Status
- Enrolling
- State exclusions
- Not WA
Guideline 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 We do not publish a frozen floor.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
- 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.
- Pre-existing
- 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 periods
- 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.
- Limits
- Pre-membership phase-in caps apply. After year four, pre-membership sharing resets at $125,000 per membership year.
- Cancellation
- Membership timing is not federal Open Enrollment.
- SourceZion HealthShare Member Guidelines (January 2026)Effective 2026-09-01Reviewed 2026-09-01
- SourceZion HealthShare memberships and FAQEffective 2026-09-01Reviewed 2026-09-01