America's Leading HealthShare.

No. Insurance arrangements are a contract whereby one party agrees to be legally responsible for and accept another party’s risk of loss in exchange for a payment—a premium. 

Medical cost sharing is a community where members agree to share medical expenses through voluntary giving. Unlike insurance, the focus of Zion HealthShare is to provide an avenue for members to help each other bear their immediate healthcare expenses.

Since the 1980s, health share programs have grown as a low-cost alternative to health insurance. A  health share is a group of people who have agreed to help with each other’s medical costs.

Most health shares operate through monthly contributions distributed to people who need help paying medical bills. Health share programs generally have an unshared amount that an individual is responsible for paying before sharing begins.

The initial unshareable amount, or IUA, is the amount a member will pay per medical need before the Zion HealthShare community shares in medical expenses. Zion HealthShare has three IUA options: $1,000, $2,500, and $5,000. The lower your IUA, the higher your monthly contribution will be.

For a medical expense to qualify towards the IUA, it must meet the Member Guidelines and be determined eligible for sharing.

Once you are a member, Zion HealthShare works in three simple steps: 

1. Submit a Sharing Request: Unless it is an emergency, contact Zion HealthShare prior to any medical appointment. Our Medical Advocacy team can help you navigate your healthcare experience.

2. Present as a Self-Pay Patient: Zion HealthShare is not insurance. At your appointment, please present as a self-pay patient.

3. Share with the Community: Eligible medical expenses will be shared among community members. When your medical need is determined eligible for sharing, Zion HealthShare will work with you to coordinate provider payments. As you receive bills from your provider, request itemized statements and send them through your member portal.

No. Zion HealthShare welcomes members of all walks of life regardless of religious affiliation.

Zion HealthShare may be the right fit for you if you are looking for a proven and effective alternative to health insurance. Zion HealthShare offers cost-sharing for significant medical expenses and can save members up to 60% on their healthcare costs.