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.
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Zion HealthShare
From $114/mo · Anyone without faith requirements, best overall value
Sedera
From $88/mo · Secular users seeking alternative to faith-based ministries
Recommendations are based on fit, not payout, and our ratings are editorial and set before any monetization. How we make money →
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)
Frequently asked questions
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