Cheapest Health Share Plans: Published Monthly Prices Compared
The cheapest health share plans by published starting price, plus what you give up at the low end: higher amounts you pay first, limits and narrower sharing.
"Cheapest" is the most common way people start shopping for a health share, and it's a reasonable place to start, as long as you know what the low price buys. Below are published starting prices from each organization's own website when we checked. Your actual price depends on age, household size and the options you choose.
Published starting prices
| Program | Published monthly price | Amount you pay first | Notes |
|---|---|---|---|
| America's HealthShare BLUE | From $71 | High Annual Unshared Amount | Catastrophic needs only |
| America's HealthShare WHITE | From $89 | $3,000 or $12,000 AUA | Singles aged 18–29 |
| America's HealthShare RED | From $100 | $3,000–$12,000 AUA | Most comprehensive AHS program |
| CHM Bronze | $115 per unit | $6,000 Personal Responsibility | $125,000 per-illness limit without CHM Plus |
| CHM Silver | $169 per unit | $3,000 Personal Responsibility | $125,000 per-illness limit without CHM Plus |
| CHM Gold | $299 per unit | $1,250 Personal Responsibility | $125,000 per-illness limit without CHM Plus |
| CrowdHealth | $60 + monthly asks up to a max ($140 for ages 0–54) | $500 per health event | Crowdfunding platform, not a ministry |
Sources: America's HealthShare programs (opens in new tab) (prices exclude a $15 account fee that may apply depending on payment type), AHS guidelines (opens in new tab), CHM programs (opens in new tab), CrowdHealth (opens in new tab).
We only list programs whose prices we could confirm on the organization's own website. We left out others, such as Medi-Share, Samaritan Ministries, Zion HealthShare and Liberty HealthShare, rather than guess; get a quote from them directly if you're considering them.
What you give up at the low end
The cheapest programs usually save money in one or more of these ways:
- A higher amount you pay first. A $12,000 AUA can cost more in a bad year than you save in contributions.
- Narrower sharing. America's HealthShare BLUE is limited to catastrophic needs, while RED includes much broader categories.
- Lower limits or add-ons. CHM's base programs have a $125,000 per-illness limit unless you add CHM Plus for $42/month.
- Eligibility limits. America's HealthShare WHITE is only for singles aged 18–29.
How to compare total cost
For each program you're considering, estimate:
- 12 × monthly price, plus fees and add-ons
- The amount you'd pay first in a year with one significant medical event
- Anything excluded for your situation, such as pre-existing conditions in year one
Add them up for a "quiet year" and a "bad year." The plan with the lowest monthly price isn't always the lowest in a bad year.
Then compare those totals with your after-subsidy options (see is $200 a month a lot for health coverage?) on HealthCare.gov (opens in new tab). For a closer look at America's HealthShare's tiers, see RED vs. WHITE vs. BLUE.
Frequently asked questions
What is the cheapest health share?
Among the programs we compared, America's HealthShare BLUE had the lowest published starting price at $71/month, but it's limited to catastrophic needs and has a high Annual Unshared Amount (programs (opens in new tab); guidelines (opens in new tab)). Your price depends on age and household.
Is the cheapest health share the best value?
Not necessarily. Low monthly prices usually come with a higher amount you pay first, narrower sharing or lower limits. Compare the total yearly cost you could face, not just the monthly price.
Are health shares cheaper than insurance?
Often for healthy, unsubsidized buyers, but not always. If you qualify for subsidies on HealthCare.gov, a subsidized plan may cost less and comes with legal protections health shares don't have (NAIC (opens in new tab)).
Is $200 a month expensive for health coverage?
Compared with 2026 full-price Marketplace premiums (a $625 benchmark average for a 40-year-old), no; compared with the $178 average paid after tax credits, it's about typical (KFF (opens in new tab)). See is $200 a month a lot?
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.))
- Healthcare Programs (opens in new tab) (Christian Healthcare Ministries)
- How It Works (opens in new tab) (CrowdHealth)
- Not All Products Are Health Insurance (opens in new tab) (National Association of Insurance Commissioners)
Sources were accessed on October 9, 2026. Linked pages may have changed since then.