United Refuah HealthShare Review 2026
Our independent take on United Refuah HealthShare — verified pricing, the real catch, and the vetted plans we'd point you to instead.
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United Refuah is a legitimate ministry built specifically for Jewish families. If you’re part of that community it can be a fine fit; if not, our secular picks will serve you better.
Plans we’d point you to
Higher-rated plans we vet and stand behind — or get a personal match from our advisor.
Zion HealthShare
From $114/mo · Anyone without faith requirements, best overall value
Sedera
From $153/mo · Secular users seeking alternative to faith-based ministries
United Refuah HealthShare Overview
United Refuah HealthShare is the only Jewish health sharing ministry, founded in 2018 in Cleveland Heights, OH with approximately 8,000 members. It uses simple, age-independent flat-rate pricing at the ACH/direct-debit rate: $199/month (single), $349/month (couple), $499/month (family); check rate is approximately $10/month higher ($209 single). APA (deductible) ranges from $500-$1,500. Coverage cap of $1,000,000 per incident with no lifetime limit; note a $25,000 combined cap applies during the first 60 days of membership. Includes minimal ancillary dental and vision — approximately $100/yr for 3 dental visits and $50/yr for 1 vision visit (token amounts, not full dental/vision coverage) — and mental health (12 visits/year). Covers telehealth (TeleRefuah, $0), maternity (with restrictions), preventive care at 100%, emergency, and surgery. Requires Jewish faith. No provider network — any doctor, reimbursed at up to 150% of Medicare rates. Pre-existing conditions follow a 3-year ramp: not shared year 1; up to $25,000/condition in years 2-3; fully shared from year 4+.
Monthly Cost
From $199/mo
Coverage Cap
$1,000,000 per incident / no lifetime limit
Pre-Existing Wait
12 months
Our Rating
3.5/5
The Honest Pros & Cons
What it does well
- ✓Simple flat-rate pricing regardless of age — $199/$349/$499 per month
- ✓Very low Annual PreShare Amounts ($500-$1,500) compared to most health shares
- ✓$1,000,000 per-incident limit with no lifetime maximum
- ✓Includes ancillary dental (~$100/yr for 3 visits) and vision (~$50/yr for 1 visit) plus mental health (12 visits/yr) — token amounts, but uncommon among health shares
- ✓Preventive care shared at 100% with no APA/CoShare requirement
Why we're cautious
- ✕Jewish faith requirement limits eligibility to Jewish individuals and families
- ✕Strict pre-notification/pre-approval required for many procedures — failure may result in denied sharing
- ✕Maternity restrictions: must be married at conception, 10-month enrollment waiting period
- ✕Standard prescriptions not covered (only hospital inpatient and high-dollar medications)
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