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America's HealthShare Review: Programs, Costs and Guidelines

Independent America's HealthShare review: RED, WHITE, BLUE and COMPANION programs, published starting prices, pre-existing rules, limits and who it fits.

By Health Sharing Compass Editorial Team · Published · 5 min read

America's HealthShare is a health care sharing program of Melita Sharing Ministry, Inc. It offers three main programs for people under 65 (RED, WHITE and BLUE) plus COMPANION for people 65 and older on Medicare. We built this review from the organization's own programs page and sharing guidelines, as published when we checked. Always read the current versions before you apply.

The short version

Possible fit: healthy individuals and families who share the ministry's values, want freedom to choose providers, and are interested in integrative, naturopathic or regenerative care that many insurance plans don't include.

Probably not a fit: anyone with an active or recent condition who needs bills shared in the first year, or anyone who needs guaranteed payment.

Programs at a glance

ProgramPublished starting priceWho it's forAnnual Unshared Amount options
RED$100/moMost comprehensive program$3,000, $6,000, $9,000 or $12,000
WHITE$89/moSingle members aged 18–29$3,000 or $12,000
BLUE$71/moCatastrophic needs only, high AUANot listed on the programs page
COMPANION$98/mo65+ on Medicare Parts A & B, single only$500

Prices are "starting at" figures; costs vary by age and chosen membership and don't include a $15 account fee that may apply depending on payment type (programs). For RED, WHITE and BLUE, the guidelines say eligible expenses are shared up to $1 million per incident per year (guidelines).

What stands out

  • Integrative and advanced care. RED lists integrative and naturopathic care, regenerative medicine and peptides, precision oncology, nutritional counseling and long-term prescription sharing (programs).
  • No network restrictions. You choose your provider; if a provider doesn't work with health shares, you request a self-pay discount, pay and submit the itemized bill (how it works).
  • Care coordination. The organization describes complimentary care coordination and navigation for surgeries, cancer care, maternity care and hospital stays (why choose).
  • Wellness exam. The guidelines list one wellness exam or physical per program year as eligible for sharing before the Annual Unshared Amount, including screening labs. Program-specific sections can modify this, so check the section for your program (guidelines).

Limits and rules to read carefully

From the sharing guidelines:

  • First 60 days: sharing is limited to accidents, emergencies and acute illness.
  • Pre-existing conditions: not eligible in year one; up to $25,000 in months 13–24; an additional $25,000 may be eligible in months 25–36; no longer pre-existing from month 37. Cancers have a 60-month look-back. The ministry may decline applicants with active medical needs. Details in our pre-existing conditions guide.
  • Submission deadline: sharing requests are due within 120 days of service, with up to one year allowed if earlier submission wasn't reasonably possible.
  • Pre-notification: surgeries, inpatient stays, MRIs/PET scans, pregnancy and several other services need advance notice. See how to check whether a bill will be shared.
  • Hospital notice: emergency and maternity admissions must be reported within 48 hours or the next business day.
  • Statement of beliefs and lifestyle: members must affirm the ministry's shared beliefs, which are rooted in Christian teaching, and lifestyle standards, including abstaining from illegal drugs.
  • Exclusions: the guidelines list exclusions, including care related to abortion, IVF and surrogacy (complications of pregnancy may still be eligible), hazardous hobbies and most cosmetic treatment.
  • Contributions can change: the suggested monthly amount is set by the Board and reviewed monthly; it is not actuarially based.
  • Cancellation: written notice by the 1st of the prior month; no refund if you withdraw more than 30 days after your start date.

Pros and cons

Pros

  • Published starting prices under $100/month
  • Broad list of integrative and regenerative care options on RED
  • Free choice of provider
  • $1 million per-incident sharing limit on main programs
  • COMPANION option for Medicare members, with no pre-existing condition limitation

Cons

  • Not insurance: no guarantee of payment and no ACA protections
  • Pre-existing conditions phased in over three years, capped at $25,000 per phase
  • Statement of beliefs and lifestyle requirements
  • Contribution amounts can change
  • No provider network for negotiated prices

Our take

America's HealthShare is a credible option for healthy members who share its values and want a wide range of conventional and integrative care options at a lower monthly price. Read the full guidelines, compare it with Christian Healthcare Ministries and CrowdHealth, and make sure you could handle a bill that isn't shared.

Frequently asked questions

Is America's HealthShare insurance?

No. America's HealthShare says it is not an insurance company, is not offered through an insurance company and doesn't guarantee that your medical bills will be paid (America's HealthShare).

Is America's HealthShare legit?

It is a program of Melita Sharing Ministry, Inc., and publishes its full sharing guidelines online (guidelines). Being a legitimate organization doesn't make it a fit for everyone; read the guidelines and limits carefully.

How much does America's HealthShare cost?

Its programs page lists starting prices of $71/month (BLUE), $89/month (WHITE), $98/month (COMPANION) and $100/month (RED). Costs vary by age and membership, and a $15 account fee may apply depending on payment type (programs). See our cost breakdown.

Can I cancel America's HealthShare?

The guidelines ask for written notice by the 1st of the month before the month you want to leave, and say fees aren't refunded if you withdraw more than 30 days after your membership start date (guidelines).

Does America's HealthShare pay for dental or vision?

Dental care and eye care are listed as exclusions in the guidelines; RED includes dental and vision discounts (guidelines; programs).

How do I check whether America's HealthShare will share a bill?

Confirm the service is eligible, check waiting periods and pre-existing rules, and pre-notify when required, such as at least 7 days before an inpatient admission (guidelines). See our checklist.

How soon does an America's HealthShare membership start?

After acceptance, on the date Melita specifies in writing; dues must be paid before it's effective, and sharing is limited to accidents, emergencies and acute illness for the first 60 days (guidelines). See how fast a health share can start.

Sources

  1. America's HealthShare Programs (America's HealthShare)
  2. Sharing Guidelines (America's HealthShare (Melita Sharing Ministry, Inc.))
  3. How Health Sharing Works (America's HealthShare)
  4. Why Choose America's HealthShare (America's HealthShare)

Sources were accessed on October 9, 2026. Linked pages may have changed since then.

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