America's HealthShare vs. CrowdHealth: Health Share or Crowdfunding?
America's HealthShare vs. CrowdHealth compared: a faith-based sharing ministry vs. a crowdfunding platform. Monthly costs, amounts you pay first and rules.
America's HealthShare and CrowdHealth both appeal to people looking for an alternative to traditional health insurance, and neither one is insurance. But they're different kinds of organizations: America's HealthShare is a faith-based health care sharing ministry, while CrowdHealth describes itself as a platform with a crowdfunding tool (CrowdHealth (opens in new tab)).
Side by side
| America's HealthShare | CrowdHealth | |
|---|---|---|
| What it is | Health care sharing ministry (Melita Sharing Ministry, Inc.) | Crowdfunding platform and community |
| Statement of beliefs | Required | Not described on the pages we reviewed |
| Monthly cost | From $71 (BLUE) to $100 (RED), varies by age and membership | $60 subscription, plus monthly crowdfunding asks up to a set max |
| Max monthly ask (CrowdHealth) | n/a | $140 (ages 0–54), $280 (ages 55–64), $420 (family of 4+), as listed |
| Amount you pay first | Annual Unshared Amount, e.g. $3,000–$12,000 on RED | Member Commitment of $500 per health event; $3,000 for a pregnancy |
| How money moves | Members' contributions shared under guidelines | Members' contributions go to the member's crowdfunding bank account |
| Sharing limit | $1 million per incident per year | Not stated on the pages we reviewed |
Sources: AHS programs (opens in new tab), AHS guidelines (opens in new tab), CrowdHealth how it works (opens in new tab).
Key differences
Per-year vs. per-event. America's HealthShare uses an Annual Unshared Amount per program year. CrowdHealth uses a Member Commitment per health event. If you expect several separate events in a year, a per-event amount can add up; if you expect one big event, it may be lower.
Faith basis. America's HealthShare members affirm a statement of shared beliefs and lifestyle standards. If that's important to you, either positively or negatively, it's a deciding factor.
Predictability of monthly cost. America's HealthShare sets a suggested monthly contribution, which the Board reviews monthly. CrowdHealth has a fixed $60 fee plus asks that vary month to month up to your maximum.
State availability. CrowdHealth flags VT, CA, MA, NJ, RI and DC for state-level insurance mandates (pricing (opens in new tab)). Check rules in your state for either option.
Which might fit you?
- America's HealthShare may suit people who want a faith-based community, a published per-incident limit and integrative care options.
- CrowdHealth may suit people who want a non-ministry model and are comfortable with variable monthly asks.
Neither guarantees payment. Read the full terms of both before choosing, and see our guide to health sharing vs. insurance.
Frequently asked questions
Is CrowdHealth a health care sharing ministry?
CrowdHealth describes itself as a platform and community with a crowdfunding tool, and says it is not an insurance company (CrowdHealth (opens in new tab)). America's HealthShare is a health care sharing ministry with a statement of shared beliefs (guidelines (opens in new tab)).
How much does CrowdHealth cost?
CrowdHealth lists a $60 monthly subscription, plus monthly crowdfunding asks up to a set maximum, for example $140 for ages 0–54 (CrowdHealth (opens in new tab)).
Is CrowdHealth available in every state?
CrowdHealth's pricing page asks residents of VT, CA, MA, NJ, RI and DC to read its FAQ about state-level insurance mandates (CrowdHealth pricing (opens in new tab)).
Sources
- America's HealthShare Programs (opens in new tab) (America's HealthShare)
- Sharing Guidelines (opens in new tab) (America's HealthShare (Melita Sharing Ministry, Inc.))
- How It Works (opens in new tab) (CrowdHealth)
- Membership Pricing (opens in new tab) (CrowdHealth)
Sources were accessed on October 9, 2026. Linked pages may have changed since then.