Health Sharing Cost Calculator
Compare estimated monthly costs across all health sharing plans based on your household size, age, and health status.
Your Household
Showing 8 plans sorted by monthly cost
How do health sharing plans compare to ACA insurance?
Traditional ACA insurance for an individual costs $400-$600/mo on average (without subsidies). Health sharing plans below often cost 30-50% less, but with different coverage terms and sharing limits.
Coverage Cap
None — no maximum per event
Annual + IUA (?)
$1,982
IUA Options (?)
$500
Coverage Cap
Unlimited per need; no annual or lifetime cap
Annual + IUA (?)
$3,722
IUA Options (?)
$1,250, $2,500, $5,000
Coverage Cap
Unlimited
Annual + IUA (?)
$3,722
IUA Options (?)
$1,250, $2,500, $5,000
Coverage Cap
None — no annual or lifetime sharing cap
Annual + IUA (?)
$6,336
IUA Options (?)
$3,000, $6,000, $9,000, $12,000
Coverage Cap
$125,000 per illness base; CHM Plus add-on ($42/unit/mo) extends to $1M per illness (Silver/Bronze) or unlimited (Gold).
Annual + IUA (?)
$2,658
IUA Options (?)
$300, $500, $1,000
Coverage Cap
Unlimited
Annual + IUA (?)
$3,970
IUA Options (?)
$1,000, $2,500, $5,000
Sedera
Coverage Cap
Unlimited
Annual + IUA (?)
$5,600
IUA Options (?)
$500, $1,000, $1,500, $2,500, $5,000
Coverage Cap
$250K/need (Classic; more via Save to Share)
Annual + IUA (?)
$3,516
IUA Options (?)
$300, $500, $1,000
| # | Plan | Monthly | Annual | Annual + IUA (?) | Coverage Cap | IUA Options (?) | Notes | |
|---|---|---|---|---|---|---|---|---|
| -- | ACA Marketplace (avg) | $400 - $600 | $4,800 - $7,200 | N/A | Unlimited | Deductible varies | Without subsidies | |
| 1 | CrowdHealthCrowdfunding | $57 - $190 | $684 - $2,280 | $1,982 | None — no maximum per event | $500 | ||
| 2 | Zion HealthShareHealth Share | $108 - $304 | $1,296 - $3,648 | $3,722 | Unlimited per need; no annual or lifetime cap | $1,250, $2,500, $5,000 | ||
| 3 | HSA SecureHealth Share | $108 - $304 | $1,296 - $3,648 | $3,722 | Unlimited | $1,250, $2,500, $5,000 | ||
| 4 | Medi-ShareHealth Share | $109 - $447 | $1,308 - $5,364 | $6,336 | None — no annual or lifetime sharing cap | $3,000, $6,000, $9,000, $12,000 | Requires Christian statement of faith | |
| 5 | CHM (Christian Healthcare Ministries)Health Share | $109 - $284 | $1,308 - $3,408 | $2,658 | $125,000 per illness base; CHM Plus add-on ($42/unit/mo) extends to $1M per illness (Silver/Bronze) or unlimited (Gold). | $300, $500, $1,000 | Requires active Christian faith and church attendance | |
| 6 | Knew HealthHealth Share | $135 - $360 | $1,620 - $4,320 | $3,970 | Unlimited | $1,000, $2,500, $5,000 | ||
| 7 | SederaHealth Share | $145 - $705 | $1,740 - $8,460 | $5,600 | Unlimited | $500, $1,000, $1,500, $2,500, $5,000 | ||
| 8 | Samaritan MinistriesHealth Share | $189 - $347 | $2,268 - $4,164 | $3,516 | $250K/need (Classic; more via Save to Share) | $300, $500, $1,000 | Requires active Christian faith and church attendance |
Important: These are estimates based on published ranges. Actual costs may vary by age, location, and health history. IUA (Initial Unshareable Amount) works like a deductible — you pay this before the plan shares costs. Health sharing ministries are not insurance. Sharing is voluntary and not guaranteed.
Want a plan picked for your exact situation?
Our advisor matches you to the right plan in about 2 minutes — free, no forms.
Get Personalized Recommendations
Chat with our advisor for 2 minutes to find the best plan for your needs
Find My Plan (2 min) →