Free Tools
See what you’ll actually pay
Interactive tools built on verified 2026 data. Model a real medical event, estimate your monthly cost, and compare every plan — all 100% free.
Individual health sharing plans start around $60/month and typically cost 30–60% less than an unsubsidized ACA plan. The estimators below show your monthly cost by age and household size, your projected savings vs insurance, and your out-of-pocket cost for a real medical event — no signup, no email required.
Just want the short list? See the ranked plans.
Ready to get a quote from CrowdHealth?
Get a Quote from CrowdHealth →Scenario Calculator
Pick a medical event — see exactly what you'd pay out-of-pocket with each plan.
ER Visit
Emergency room visit for a sudden illness or injury — think chest pain, bad fall, or allergic reaction.
The table updates as you pick — no button to press.
| Plan | IUA (?) | Est. Cost | Coverage | |
|---|---|---|---|---|
Lowest costCrowdHealth | $500 | $1,500 | Covered | |
CHM (Christian Healthcare Ministries) | $500 | $1,500 | Covered | |
Samaritan Ministries | $500 | $1,500 | Covered | |
Knew Health | $2,500 | $2,500 | Covered | |
HSA Secure | $2,500 | $2,500 | Covered | |
Zion HealthShare | $2,500 | $2,950 | Covered | |
Medi-Share | $6,000 | $6,000 | Covered | |
Sedera | $1,000 | Current terms needed | Covered |
Based on bill midpoint and published co-share percentages. Plans with unverified terms show no event estimate. Actual costs vary.
Quick Estimate
How much could you save switching to health sharing?
Not sure which plan fits you?
Answer a few quick questions and our advisor matches you to the right plan in about 2 minutes — free, no forms.
Scenario Calculator
FreeModel an ER visit, surgery, pregnancy, or cancer treatment. See exactly what you'd pay out-of-pocket with each plan.
Cost Estimator
FreeEstimate your monthly and annual cost by household size and age, compared side-by-side against ACA insurance.
Compare All Plans
FreeSee every plan in one table — pricing, coverage, faith requirement, and pre-existing rules at a glance.