Health Sharing vs ACA: Real Cost Comparison 2026

Health sharing plans average $150–$300/month with annual cost-sharing limits of $125K–$1M, while ACA Silver plans cost $200–$450/month with unlimited coverage.

As of Feb 2026, the choice depends on your health certainty: health sharing saves money only if you rarely use care, while ACA plans provide regulatory guarantees and immediate preventive access.