America's HealthShare Cost: RED vs. WHITE vs. BLUE Explained
What America's HealthShare costs: published starting prices for RED, WHITE and BLUE, Annual Unshared Amount options, add-ons and fees, side by side.
America's HealthShare publishes "starting at" prices for each program. Your actual monthly contribution depends on your age, whether you're single, a couple or a family, and the Annual Unshared Amount (AUA) you choose. Here's what the programs page (opens in new tab) and sharing guidelines (opens in new tab) showed when we checked.
Published starting prices
| RED | WHITE | BLUE | |
|---|---|---|---|
| Starting monthly price | $100 | $89 | $71 |
| Positioning | Most comprehensive | Young adults; singles aged 18–29 | Most affordable; catastrophic needs only |
| AUA options | $3,000 / $6,000 / $9,000 / $12,000 | $3,000 / $12,000 | High AUA (amount not listed on programs page) |
| Per-incident sharing limit | $1 million per incident per year | $1 million per incident per year | $1 million per incident per year |
All prices exclude a $15 account fee that may apply depending on payment type.
What each program emphasizes
RED lists ambulance, ER and hospitalization; vaccine injuries; precision oncology; integrative and naturopathic care; regenerative medicine and peptides; nutritional counseling; no-cost telehealth; long-term prescription sharing; home health and hospice; mental health counseling; maternity care; ethical fertility treatments; and dental and vision discounts.
WHITE lists hospital and emergency care, surgery, ambulance transportation and natural family planning education, with optional add-ons: mental health visits ($12/mo), $0 co-share generic Rx ($20/mo), $0 co-share acute Rx ($10/mo) and dental and vision discounts ($5/mo).
BLUE lists emergency surgery and urgent care, with optional add-ons priced by household size, including mental health visits (single $12, couple $35, family $105) and $0 co-share generic Rx (single $20, couple $25, family $30).
How to think about the real yearly cost
The monthly price is only part of it. For a rough yearly budget:
- Monthly contribution × 12, plus any account fee and add-ons.
- Plus your AUA if you expect to use care, since you pay eligible bills up to that amount before sharing starts.
- Plus anything not eligible, such as excluded services or pre-existing conditions during the phase-in period.
A lower AUA usually means a higher monthly contribution, and the reverse. If you rarely see a doctor and have savings, a higher AUA may make sense. If you expect regular care, a lower AUA may be easier to manage.
Price changes
The guidelines say the suggested monthly amount is set by the Board, reviewed monthly and not actuarially based, so it can go up or down. Also, changing your AUA or membership during the year can reset your program year, and you can't lower your AUA mid-year.
For more on the program as a whole, read our America's HealthShare review. To compare with other low-cost options, see the cheapest health share plans.
Frequently asked questions
What is the cheapest America's HealthShare program?
BLUE, with a published starting price of $71/month. It is limited to catastrophic needs and has a high Annual Unshared Amount (programs (opens in new tab); guidelines (opens in new tab)).
Who can join America's HealthShare WHITE?
The guidelines describe WHITE as a program for single members aged 18 to 29 (guidelines (opens in new tab)).
Are there extra fees?
The programs page says prices don't include a $15 account fee that may apply depending on payment type (programs (opens in new tab)). Optional add-ons carry their own monthly fees.
Can my monthly contribution go up?
Yes. The guidelines say the suggested Monthly Share Amount is reviewed monthly and may increase or decrease (guidelines (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.))
Sources were accessed on October 9, 2026. Linked pages may have changed since then.