a health sharing solution that is dependable, cost-effective, and user-friendly.

HEALTH SHARING DONE RIGHT

Easy to use
Dependable
Affordable

A Health Share is the most financially efficient healthcare solution available.

Improve your Health Plan with a Health Share membership. A Zion HealthShare covers major medical events like hospitalizations, surgeries, and maternity. It's a nonprofit program where members contribute to each other's costs. This complements Planstin Health Plan and prepares your family for unexpected expenses. It also boosts workforce motivation and well-being.

TOP RATED
America's leading health share

Cost Effective

An Economical Approach to Healthcare

By sharing medical expenses among members, health shares often result in significant savings compared to traditional health insurance premiums and deductibles. The community-based model prioritizes affordability, ensuring quality healthcare doesn't become a financial burden.

Transparent Process

Clear Health Sharing Guidelines

Everything about how the health share operates, from eligible medical expenses to sharing limits, is clearly outlined in member guidelines. This transparency ensures members are never in the dark about their healthcare, fostering trust and clarity in the sharing process.

Community Driven

Celebrating the Spirit of Mutual Support

Health shares operate on the principle of community. Members come together, driven by mutual values and trust, to support each other's medical needs. Instead of impersonal corporate policies, health shares focus on individual members, ensuring everyone receives the care and support they deserve.

What is a HealthShare?

Unraveling the Concept Behind Community-Based Healthcare.

A HealthShare is an innovative approach to managing healthcare expenses that brings together like-minded individuals and families who share common beliefs or principles. Rooted in community values, this transformative model allows members to not only participate but actively support one another in shouldering their medical burdens. Instead of dealing with the complexities and impersonal nature of insurance premiums, HealthShare members make monthly contributions to a communal pool. By emphasizing mutual support, transparency, and community engagement, HealthShare offers a refreshing alternative to traditional health insurance.

Community-Centered

Building on Mutual Support and Trust

HealthShares operate on foundational principles of community, solidarity, and mutual assistance. It's about people helping people, turning healthcare into a communal effort.Each member is both a contributor to and a beneficiary of the community's pooled resources, ensuring everyone is taken care of.

A FRESH ApproacH

Beyond Traditional Insurance

Unlike traditional health insurance, HealthShares don’t operate for profit. They focus on the well-being of their members, making healthcare more personal and communal. There's no middleman. Members' contributions go directly to assisting fellow members with their medical needs.

Guided by Principles

Clear Framework and Boundaries

Every HealthShare, including Zion HealthShare, has its own set of guidelines and principles. These determine how contributions are collected, how sharing occurs, and what medical expenses are eligible. The guidelines provide clarity and structure, ensuring the system remains transparent, fair, and sustainable.


FlexiBLE & AffordabLE

Adapting to fit Members' Needs

HealthShares often offer more flexibility than traditional health insurance, allowing members to choose their healthcare providers and make decisions best suited for their individual needs. The communal model frequently results in cost savings, making healthcare more affordable for many members.

How Does it work?

Discover the process behind our health share community.

Zion HealthShare operates as a community where members voluntarily share medical expenses, offering a cost-effective alternative to traditional health insurance. When joining, members select an initial unshareable amount, or IUA, which they'll cover per medical need before the community assists; with options being $1,000, $2,500, or $5,000, which influences their monthly contribution. The process involves members submitting sharing requests, presenting as self-pay patients during medical visits, and then sharing eligible medical costs within the community, with Zion HealthShare coordinating payments to providers.

Eligibility

Who Can Join the Zion Community?

Zion HealthShare is an inclusive community, but membership is based on certain criteria. This ensures alignment with our values and principles, fostering a strong, supportive community. From individual commitments to household determinations, our guidelines outline clear criteria for who can be part of our health share journey.

Sharing Process

Community at the Heart of Healthcare

Members contribute monthly to a shared pool. When a member has a medical need, eligible expenses are shared among the community using funds from this pool. It's a system rooted in mutual trust and support, ensuring every member's medical needs are addressed with care and compassion.


Limitations

the Boundaries of Sharing

While our aim is to support as many medical needs as possible, there are certain sharing limits and exceptions detailed in our guidelines. These boundaries ensure the sustainability of our health share model, balancing the needs of the individual with the well-being of the entire community.


Elegible Medical Expenses

Category Eligible Medical Expenses
Substance Abuse Alcohol & Drug Abuse Treatment
Transport & Accidents Ambulance Transport, Automobile Accidents
Treatments & Therapies Arthritis Treatment, Audiological, Hyperbaric Therapy, Therapeutic Treatments, Pain Therapy, Physical Therapy
Surgeries & Procedures Breast Implant Removal, Cataract Surgery, Dilation & Curettage (D&C), Organ Transplants
Equipment & Supplies Durable Medical Equipment (DME), Medical Supplies
Specialized Care Home Healthcare, Hospice Care, Emergency Visits
Testing & Diagnostics Genetic Testing, Genetic Mutation, Laboratory Tests & Checkups
Other Treatments International Medical Treatment, Joint Replacement Treatment, Nutritionists, Occupational Therapy, Speech Therapy, Sports
Prescriptions Prescriptions
Miscellaneous Self-Referrals, Tobacco Use over 50, Varicose Veins, Weight Reduction

Note: All percentage amounts are coinsurances.

Pre Existing Medical Conditions

Zion HealthShare implements a waiting period for sharing medical costs related to conditions that existed before a member joined in order to maintain low contributions for all members. Such conditions are termed as pre-membership medical conditions.

They are defined as any ailment or injury for which an individual has been examined, diagnosed, taken medication for, shown symptoms of, or received medical treatment within 24 months before joining the membership. Costs related to these conditions are only shareable if they were considered cured and did not present any symptoms or require any treatment for 24 months before the start of the membership.

However, there's a structured phase-in period that determines the shareable amount based on the membership year. It's noteworthy to mention that conditions like high blood pressure, high cholesterol, and both type 1 and type 2 diabetes are exceptions. They are not considered pre-membership medical conditions if the member hasn't been hospitalized due to them in the last 12 months and if they can be managed through medication or diet.

Membership Year Shareable Amount for Pre-Membership Medical Conditions
Year One $0 (waiting period)
Year Two $25,000 maximum per sharing request
Year Three $50,000 maximum per sharing request
Year Four $125,000 maximum per sharing request
After Year Four Up to $125,000 in a 12-month period (resets annually)
Category Eligible Medical Expenses
Procedures Abortion, Dental, Sterilization, Surrogacy
Medications & Treatments ADHD, ADHS, & SPD Treatment, Allergy Treatments, Diabetic Medication & Supplies, Fertility, Genetic Screening, Hearing Aids, Mental Health, Sleep Apnea
Others Vision, Vitamins & Supplements

Note: All percentage amounts are coinsurances.

Questions & Answers

  • What is an MVP Plan?


  • What's the difference between MEC & MVP?

    Preventive care visits refer to routine check-ups, screenings, and immunizations intended to prevent or detect illness or other health conditions at an early stage when they might be easier to treat. The goal of preventive care is to help people stay healthy and to identify and manage potential health issues before they become more serious.


    Here's a breakdown of what might be included in preventive care visits:


    Routine Check-ups: Regular physical examinations, including measurements, health evaluations, and patient counseling, to prevent health issues or diseases.


    Screenings: Tests or exams to detect health conditions before they manifest symptoms. Common screenings might include blood pressure measurements, cholesterol level checks, mammograms, colonoscopies, and others based on age, gender, and risk factors.


    Immunizations: Vaccinations against certain diseases like measles, mumps, rubella, hepatitis, flu, and more.


    Pediatric Check-ups: Regular assessments of children's health, growth, and development.


    Under the Affordable Care Act (ACA), many preventive care services are covered without any out-of-pocket costs when delivered by a network provider, which means no copayment, coinsurance, or deductible is required.

  • What does it mean to be ACA Compliant?


  • What is a Health Savings Account (HSA)?

    A Health Savings Account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a High Deductible Health Plan (HDHP). The funds contributed to the account are not subject to federal income tax at the time of deposit. An HSA is designed to help individuals save for future healthcare expenses.


    Here are some key features and benefits of HSAs:


    Tax Advantages:

    • Pre-Tax Contributions: Money deposited into the HSA is not subject to federal taxes upon deposit.
    • Tax-Free Withdrawals: Funds can be withdrawn tax-free if they are used to pay for qualified medical expenses.
    • Tax-Deferred Growth: Any interest or other earnings on the assets in the account are tax-free.

    Flexibility: The funds in an HSA can be used to pay for a wide range of medical expenses, including some that might not be covered by a health insurance plan.


    Ownership: The HSA is owned by the individual, meaning that even if a person changes jobs or health insurance plans, the HSA and the funds within it remain with the individual.


    Roll-over: Unlike some other types of accounts, the funds in an HSA roll over year to year. There's no "use it or lose it" condition.


    Savings Tool: HSAs can be used as a savings tool for future medical expenses. Many HSAs offer investment options, allowing the funds to grow over time, which can be beneficial for long-term savings, especially in preparation for medical expenses in retirement.


    High Deductible Health Plan Requirement: To qualify for an HSA, an individual must be enrolled in a High Deductible Health Plan (HDHP). This type of plan generally has lower premiums but higher deductibles than a traditional health plan.


    Contribution Limits: There are annual limits on how much can be contributed to an HSA. These limits can change annually and are also affected by factors like age and family size.


    Penalty for Non-Medical Expenses: While funds can be withdrawn for non-medical expenses, this type of withdrawal is subject to both taxes and a penalty if the account holder is under 65. After age 65, funds can be withdrawn for non-medical purposes without penalty, though they will be taxed as income.


    HSAs can provide a powerful way for individuals to plan for medical expenses, offering both flexibility and tax benefits. 

  • What is Coinsurance?


  • What is a Copay?


  • What is an out-of-pocket maximum?






Employees can Customize

A plan with add-ons designed to fit their needs

Dental

Smile knowing that x-rays, fillings, and orthodontic treatments are all covered, keeping your teeth healthy and vibrant.

Vision

See the difference with our vision plan and enjoy significant savings when you shop at retailers such as Costco, Sam's Club, and Walmart.

Accident

The only thing worse than a workplace accident is not having the funds to keep you and your family financially healthy for the long haul.

concierge

An around the clock team of dedicated medical professionals who can prescribe medication, refer you to specialists, & help you make informed decisions. 

You've Got Questions. We've got Answers.

Contact Us

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