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All 8 health shares, compared on what actually matters
Set your household below and every price updates. Sort by any column. The columns nobody else publishes — pre-existing phase-in, maternity clock, sharing speed — are the ones that decide whether a plan works for you.
Our top pick
Editor’s pick
Zion HealthShare
from $114/mo · ★ 4.8
Ranks #1 across cost, pre-existing wait, and maternity coverage in the plans we track.
We may earn a commission if you enroll through this link — it never affects our rankings.
The differences that actually decide it
Four columns in that table matter far more than the monthly price. Here is what each one means when you are the one holding the bill.
Almost no plan shares a pre-existing condition on day one. Published waits across our 8 tracked plans range from 12 to 36 months, and several phase in a coverage cap over several years after that.
The clock usually runs from conception, not the due date — and most plans in our roster don’t publish a maternity-specific wait at all, only a general pre-existing-condition wait. If a baby is on the horizon, ask the plan directly before you enroll.
The initial unshareable amount (IUA) is the deductible-like figure you cover yourself before a need is shared. Entry tiers across our tracked plans start as low as $300 and run up to $3,000.
You typically pay the provider and wait to be reimbursed. Published processing times range from immediate (community-funded models) to 45 days — a real factor on a large bill.
A table can't know your household. The Advisor can.
Seven questions, then it ranks every plan by what it would actually cost your household — and says plainly when an ACA plan would serve you better.
Common head-to-heads
The two secular front-runners, compared price, coverage cap and claims record.
Read the comparison →The two largest Christian ministries — one has a real PPO network, the other is half the price.
Read the comparison →When a subsidy makes the ACA marketplace the better deal — and where that flips.
Read the comparison →Questions people actually ask
How do I compare health sharing plans side by side?
Line up four things for each provider: monthly cost for your household size, the pre-existing-condition waiting period, whether a faith statement or church attendance is required, and how fast the plan processes shared bills. The table on this page puts all of that side by side for every plan we track, with a link to the full review and cost data behind each row.
What is the best health sharing plan in 2026?
There's no single best plan — it depends on your priorities. Use the sort chips above the table to rank by price, pre-existing wait, maternity wait, sharing speed, or our overall score, and filter to secular-only plans if a faith requirement is a dealbreaker.
Which health sharing plans cover pre-existing conditions?
All the plans we track will eventually share pre-existing conditions, but the wait and the phase-in caps vary widely — see the "Waiting periods" column for each plan's published schedule, and the pre-existing explainer card below the table for how to read it.
Are health sharing plans insurance?
No. Health care sharing ministries and peer-to-peer options like CrowdHealth are not insurance — members voluntarily share one another's eligible medical costs. They're typically cheaper than insurance but aren't guaranteed to pay and carry their own eligibility rules.