Health sharing vs insurance cost
Choose a household. The premium line is the unsubsidized Silver range this site already cites. The table is the published monthly share for six payable plans. A lower monthly number is not the same benefit.
Typical unsubsidized Silver premium already cited on this site: $450–$700/mo. Individual and family figures are HealthCare.gov 2026 average unsubsidized Silver premiums.
| Plan | Monthly amount | What the number is |
|---|---|---|
| Zion HealthShare | $114–$320/mo | Medical cost sharing. Direct membership. Pre-existing needs wait 12 months, then a 4-year phase-in. Day-one exceptions stay high blood pressure, high cholesterol, and diabetes only. |
| Medi-Share | $115–$470/mo | Christian sharing ministry. Published monthly share range. Pre-existing needs typically wait 36 months. |
| CrowdHealth | $60–$200/mo | Healthcare crowdfunding. Fixed $60 per person advocacy fee plus variable crowdfunding. Published average for one member under 55 is $142.08 per month. Ages 55–64 use a higher individual ceiling on the published plan details. |
| Sedera | $88–$413/mo | Medical cost sharing. Prime+ with TRU published span. Pre-existing needs wait 12–36 months. |
| Knew Health | $178–$379/mo | Medical cost sharing. Published monthly range. Pre-existing needs are not shared in year 1, then published yearly caps apply. |
| HSA Secure | $114–$320/mo | Medical cost sharing. The bundled MEC is preventive insurance only. Pre-existing needs wait 12 months, then published yearly caps. |
How to read the ranges
- Medical cost sharing and healthcare crowdfunding are not insurance. A share amount is not a premium, and sharing is not guaranteed.
- These bands vary by age and initial unshareable amount. They are not a quote for your household.
- The couple premium is estimated as twice the individual HealthCare.gov range because Healthcare.gov does not publish a couple line.
- This page does not rank a cheapest plan. Compare the published monthly amount with the waiting rules in each note.
Common questions
Is the share amount what I pay at the doctor?
No. The monthly figure is the published membership or advocacy range. Eligible needs still have an initial unshareable amount, waiting rules, and sharing limits.
Why is Zion the enroll link?
Zion HealthShare is the enroll link on this comparison. The table still shows Medi-Share, CrowdHealth, Sedera, Knew Health, and HSA Secure with their own published ranges.
Related money surfaces: health sharing calculator · health sharing vs insurance.