$189+
Starting monthly
24 mo
Pre-existing wait
$1,000,000
Max per incident
Yes
Faith required
Our Take
Health sharing with flexible requirements but mixed member reviews.
Universal Health Share Ministries offers flexible membership requirements including accepting tobacco users.
What's Covered
- Multiple plan options
- Accepts tobacco users
- Telehealth included
What's Not Covered
- Pre-existing (24 months)
- Mental health
- Dental/vision
Pricing
Individual
$189 - $459
per month
Couple
$378 - $818
per month
Family
$459 - $918
per month
Who It's Best For
✓ Best For
- • Tobacco users
- • Flexible requirements
✗ Not Ideal For
- • Pre-existing conditions
- • Want top service
Faith & Lifestyle Requirements
- Statement of faith: Required
- Church attendance: Not required
- Tobacco-free: Tobacco users accepted
⚠️ Note
Has mixed member reviews. Research carefully before joining.
The Bottom Line
UHSM is a solid choice for tobacco users and flexible requirements. With monthly costs starting at $189 and a 3.4-star rating, it offers competitive pricing.
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