Affordable healthcare is within your reach.
Embrace an alternative to traditional health insurance and get more control and the freedom to choose your care for as low as $160/mo.
A more affordable approach.
Health insurance costs continue to rise, with the average monthly cost of a traditional health insurance plan costing individuals about $450. With plans starting as low as $160 per month, this innovative program gives you the potential to save a significant amount of your hard-earned money. Imagine having those extra dollars for things that matter to you, all while still having access to the medical care you need.
The freedom to choose.
Imagine having the freedom to choose any doctor you want, whether they are around the block or across the country. No more compromises on your health because your preferred doctor isn’t “in-network.” With medical cost-sharing, you’re empowered to make the best decisions for your health, on your terms. Embrace this new era of personalized, accessible, and affordable health coverage.
A powerful combination.
Medical cost-sharing and a healthcare reimbursement membership are a powerful combination—providing access to free preventive services, low-cost prescription drugs, unlimited access to direct primary care, and protection against large, unexpected medical bills. And all while saving you up to 50% per month.
Healthcare that puts you in control.
Embrace the power to control your healthcare. This comprehensive program gives you the reins, putting the decision-making back in your hands. You’re no longer at the mercy of insurance networks or bound by pre-determined options. This is more than just a way to pay for unexpected healthcare costs; it’s a healthier way of life.
FAQs
Is medical cost sharing a form of insurance?
Medical cost sharing is not insurance. Instead, it’s an alternative model where individuals share the cost of their medical expenses with a group of like-minded individuals who also want to share in the cost of their healthcare. Because they are not insurance plans and don’t fall under the same set of regulations, the monthly costs can be considerably lower.
What types of expenses are covered under a medical cost-sharing plan?
A wide range of medical expenses are shareable with medical cost-sharing plans. These include expenses incurred from medically necessary treatment from licensed practitioners and facilities including, but not limited to, physicians, emergency rooms, and hospitals. Limitations and restrictions can vary between cost-sharing plans.
Are pre-existing conditions covered under medical cost sharing?
Most medical cost-sharing plans have a waiting period for the sharing of pre-existing medical conditions for new members. A pre-existing condition is generally defined as any illness or injury that an individual has been examined, diagnosed, taken medication, had symptoms, or received medical treatment within 24 months of becoming a cost-sharing member. Many plans have a “phase-in” period that phases in the sharing of pre-existing conditions. For example, any medical expenses related to a pre-existing condition may not be shareable during the first year, then limited to $25,000 the second year, and $50,000 the third year. This “phase-in” period and any associated limitations can vary from plan to plan.
Are there any out-of-pocket maximums or deductibles?
Because medical cost sharing plans are not insurance, they do not have out-of-pocket maximums or deductibles. In medical cost-sharing plans, a member must pay an initial unshareable amount (IUA) for each medical need before the community can share the expenses. You can choose between multiple IUAs when enrolling. Members are also usually only responsible for three IUAs each year.
Is there a network of providers that members can use?
No. Members are considered cash-pay patients and are free to choose the providers of their choice.
Does medical cost sharing meet the requirements of the Affordable Care Act (ACA)?
Recognized healthcare sharing ministries that were continuously in existence prior to 2000 are exempt from the individual ACA mandate. Plans from Sedera and Zion HealthShare are not considered minimum essential coverage (MEC) and do not meet the requirements of the ACA or any state-level individual mandate that requires folks to purchase health insurance. However, since 2019, individuals are no longer penalized for failing to purchase health insurance.
Are there any religious or lifestyle restrictions that apply to medical cost sharing?
Traditionally, healthshares have been faith-based, requiring members to live by a set of religious standards to join. There are currently two plans that don’t require religious affiliations to join—Sedera and Zion HealthShare. These two plans do, however, include lifestyle requirements they ask members to commit to which generally include being ethical, health-conscious, and embracing an active role in maintaining good overall health.
Are medical cost sharing plans available in all 50 states?
Medical cost sharing plans from Sedera are currently available in every state except Illinois, New York, Pennsylvania, Vermont, and Washington state. Zion Health is available in every state except Washington state.
What makes this program different?
This innovative program combines a medical cost-sharing plan from Zion with a unique reimbursement program from Health Access to form a comprehensive plan that supports access to preventive services while providing affordable coverage for large, unexpected healthcare needs.
Ready to take control of your healthcare expenses?
Fill out the form below and we’ll reach out ASAP to answer any questions you have and help determine if this affordable health coverage alternative is a good fit for you.