America's HealthShare Review: Programs, Costs and Guidelines
We read America's HealthShare's published guidelines and pricing so you don't have to: programs, limits, pre-existing rules, pros and cons.
Health sharing, explained in plain English
Independent guides to health care sharing ministries: what they cost, what they share, what they don't, and how they differ from insurance.
Browse by topic
Start here
Health care sharing ministries can cost less per month than many insurance plans, but they work very differently. Nothing is guaranteed, and the written guidelines decide what is eligible for sharing. If you're new to health sharing, start with these:
- What is it? Read what a health care sharing ministry is and how members share bills.
- Is it like insurance? No. Our guide to health sharing vs. insurance covers the legal and practical differences that state regulators warn about.
- Have a health condition? Read how pre-existing condition rules usually work before you apply.
- Looking at a specific program? Our America's HealthShare review walks through its published guidelines line by line.
Have a quick question? Check the health sharing FAQ.
Important: Health care sharing ministries are not insurance companies, and membership is not offered through an insurance company. No ministry guarantees that your medical bills will be paid, and you are always responsible for your own bills.
Latest guides
America's HealthShare vs. Christian Healthcare Ministries (CHM)
Two faith-based health shares with very different structures. Here are the published numbers and rules side by side.
What Is a Health Care Sharing Ministry? How Health Sharing Works
Members send a monthly contribution and share each other's eligible medical bills under written guidelines. Here's how that works and what it doesn't promise.
America's HealthShare Cost: RED vs. WHITE vs. BLUE Explained
RED, WHITE and BLUE differ in price, eligibility and what's shared. Here are the published numbers side by side.
America's HealthShare vs. CrowdHealth: Health Share or Crowdfunding?
One is a faith-based sharing ministry, the other a crowdfunding platform. Neither is insurance. Here's how they compare.
Health Sharing vs. Insurance: 8 Differences That Matter
A health share can cost less per month, but it is not insurance. Here are the legal and practical differences regulators point to.
How we write our guides
- Sourced, not invented. Prices, limits and rules come from each organization's own published guidelines or from state regulators, and we link to them.
- Honest about the trade-offs. Health sharing is not insurance and is not right for everyone. We say who it fits and who should look elsewhere.
- Transparent about money. We may earn referral fees from some programs we write about. Pages with affiliate links say so at the top.