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Health Sharing vs Insurance
Understanding the key differences to make an informed decision.
Side-by-Side Comparison
| Feature | Health Sharing | Insurance |
|---|---|---|
| Legal Status | Not insurance | Regulated |
| Payment Guarantee | No guarantee | Contractual |
| Monthly Cost | $90-500+ | $300-800+ |
| Pre-existing | Waiting periods | Must cover |
| Networks | Any provider | Network restrictions |
| Faith Required | Usually yes | No |
| Mental Health | Limited | Required |
When Health Sharing Makes Sense
- You're generally healthy
- Cost is a priority
- You're comfortable with faith-based communities
- You're self-employed
When Insurance Makes Sense
- You have pre-existing conditions needing immediate coverage
- You need mental health services
- You want legal guarantees
- You qualify for subsidies