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Zion HealthShare Pre-Existing Conditions
Zion HealthShare phases most pre-existing conditions over four years: nothing shared in year one, then $25,000 per request in year two, $50,000 in year three, and $125,000 per 12-month period from year four. The standout rule is the day-one carve-out: controlled high blood pressure, high cholesterol, and diabetes (both types) share immediately when you have been hospitalization-free for them for 12 months.
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That carve-out is why Zion shows up first for managed chronic conditions. Here is the full structure.
The Timeline
| Day one | Controlled HBP, high cholesterol, and diabetes types 1 and 2 (hospitalization-free 12 months) |
| Year 1 | Other pre-existing conditions not shared |
| Year 2 | Up to $25,000 per request |
| Year 3 | Up to $50,000 per request |
| Year 4 onward | Up to $125,000 per 12-month period, permanent |
How It Stacks Against Medi-Share
Medi-Share waits 36 months on every pre-existing condition, then caps sharing at $100,000 per member per year. Zion shares the three named chronic conditions from day one and phases everything else. Zion also has no faith requirement. Read both pages if church membership is part of the decision.
Editor’s pick
Zion HealthShare
from $114/mo · ★ 4.8
If your history fits the carve-out: no faith requirement, any doctor, and no annual or lifetime cap on new eligible needs.
The Bottom Line
Managed blood pressure, cholesterol, or diabetes share immediately at Zion, which puts it ahead of most plans we track on this axis. Everything else waits out the phase-in. Compare all waits in our pre-existing comparison and read the full Zion HealthShare review.
Frequently Asked Questions
What is the Zion HealthShare pre-existing schedule?
Nothing else pre-existing is shared in year one. Year two allows up to $25,000 per request, year three up to $50,000 per request, and from year four up to $125,000 per 12-month period. That ceiling is permanent.
Which conditions share from day one?
High blood pressure, high cholesterol, and diabetes (type 1 and type 2) share from day one when you were not hospitalized for them in the 12 months before joining and can manage them through medication or diet. Source: Zion Member Guidelines, January 1, 2026.
How far back does Zion look?
Zion defines pre-existing as anything diagnosed or treated before you join. Confirm the current Member Guidelines for the full definition before enrolling.
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Last updated: August 2026. Facts verified against Zion HealthShare's published Member Guidelines (updated January 1, 2026). See our footer disclosure regarding affiliate commissions.
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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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