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How Much Does Zion HealthShare Cost?
Zion HealthShare costs $114–$320/month for an individual and $334–$899/month for a family (2026 ranges from our verified plan file). You pick an IUA of $1,250, $2,500, $5,000 — max three per household per year. There is no annual or lifetime sharing cap on eligible needs. Zion is not insurance: sharing is voluntary under its Member Guidelines.
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Editor’s pick
Zion HealthShare
from $114/mo · ★ 4.8
4.8/5 · $114–$320/mo individual · IUA $1,250 / $2,500 / $5,000 · unlimited sharing per need.
Zion is our highest-rated plan (4.8/5): founded 2019, based in St. George, UT, with 75,000+ members. Monthly shares vary by age band and IUA — the published individual band is $114–$320, family $334–$899. Same ranges as our Zion review.
Updated August 2026. Figures are from our Zion plan file (last verified 2026-06-29). We did not invent rate-card cells.
Key Facts: Zion Pricing
| Cost component | Published figure |
|---|---|
| Individual monthly share | $114–$320 |
| Couple monthly share | $205–$617 |
| Family monthly share | $334–$899 |
| IUA options | $1,250, $2,500, $5,000 (max 3/household/year) |
| Sharing cap | Unlimited per need; no annual or lifetime cap |
| Pre-existing wait | 12 months (then phased in over 4 years); day-one sharing for controlled HBP, high cholesterol, and diabetes types 1 and 2 (no hospitalization for them in the prior 12 months) |
| Not available in | WA |
| Editorial rating | 4.8/5 |
What Changes the Monthly Share?
Age band and IUA. An 18–29-year-old on the $5,000 IUA sits at the floor ($114); a 50–64-year-old on the $1,250 IUA sits near the ceiling ($320). Tobacco or cannabis use adds a $50/month surcharge. Zion publishes its full rate table — we cite the verified bands rather than inventing mid-band cells.
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Find My Plan (2 min) →Costs the Monthly Share Does Not Include
Your IUA comes first on every need. Pre-existing conditions follow the phase-in above (the controlled chronic-condition exception aside). Doulas, genetic testing, and breast pumps are not shareable; midwifery is capped. Zion is marked HSA-compatible. Typical processing time is 30-45 days. Zion is not insurance — there is no legal guarantee of payment.
The Bottom Line
Budget $114–$320/month as an individual or $334–$899/month as a family, plus your chosen IUA. For the full picture read our Zion review and legitimacy check.
Frequently Asked Questions
How much does Zion HealthShare cost per month?
Individual shares run $114–$320/month and family shares $334–$899/month (2026 ranges from our verified plan file, matching the live review). The exact figure depends on your age band and chosen Initial Unshareable Amount.
What is Zion’s IUA?
The IUA (Initial Unshareable Amount) is your per-need responsibility before sharing begins. Options are $1,250, $2,500, $5,000, with a maximum of three IUAs per household per rolling 12 months. A higher IUA means a lower monthly share.
Does Zion have a sharing cap?
Unlimited per need; no annual or lifetime cap — no annual or lifetime maximum on eligible needs. Pre-existing conditions are the separate rule: nothing shared in year one, then up to $25,000/request in year two, $50,000 in year three, and $125,000 per 12-month period from year four.
What does the monthly share include?
Telehealth, prescriptions, maternity, mental health, preventive care, emergency, and surgery are shareable categories. Zion has no provider network — members see any licensed provider, with bills processed using reference-based pricing.
Is Zion cheaper than ACA insurance?
Against unsubsidized marketplace plans (commonly $400–$700+/month per adult), yes by a wide margin. If you qualify for ACA subsidies, compare against your actual subsidized premium — subsidized insurance can be cheaper and carries a legal payment guarantee Zion cannot offer.
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Our top pick
Zion HealthShare
from $114/mo · ★ 4.8
Our highest-rated plan (4.8/5): no faith requirement, HSA-compatible, broad coverage, and managed conditions shared from day one.
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