A Smarter Way to Pay for Healthcare
Stop Overpaying for Health Insurance.
Thousands of families are cutting their healthcare costs by 30–50% with HealthShare — a community-based alternative that puts members first, not shareholders.
Already know you're ready? Enroll directly at Zion HealthShare →
The Problem
The Healthcare System Is Broken.
Most Americans are paying more for healthcare than ever before — and getting less. Premiums rise every year, deductibles are so high you rarely use your benefits, and insurance companies routinely deny legitimate claims.
$23,968
Avg. family insurance cost in 2025
The Alternative
What Is HealthShare?
"A nonprofit community that shares major medical expenses directly — without the insurance middleman."
HealthShare programs are community-based organizations where members pool their monthly contributions to cover each other's major medical needs. Instead of paying premiums to a corporation, your money goes directly into a shared fund that helps real people in your community.
Important to Know
HealthShare is not insurance and is not ACA-compliant by itself. It is not a guarantee or contract, and contributions are not tax-deductible. It works best for healthy individuals and families who want lower costs and more freedom.
Simple Process
How HealthShare Works
Choose Your IUA
Select your Initial Unshareable Amount — $1,250, $2,500, or $5,000. This is your responsibility per medical event, similar to a deductible but more flexible.
Pay Monthly
Make your monthly contribution to the shared fund. Contributions are typically 30–50% lower than traditional insurance premiums.
Submit a Need
When a qualifying medical event occurs, submit your Sharing Request online. The community reviews and approves shareable needs quickly.
Community Shares
After you pay your IUA, the community covers the remaining eligible costs. No annual caps, no network restrictions, no games.
The IUA Explained
Better Than a Deductible
Unlike a traditional deductible that resets annually and applies to every visit, your IUA applies per medical event. Follow-up visits for the same issue are included, and households are responsible for a maximum of 3 IUAs per rolling 12-month period.
Side by Side
HealthShare vs. Traditional Insurance
| Feature | HealthShare | Traditional Insurance |
|---|---|---|
| Monthly Cost | 30–50% lower | High & rising annually |
| Annual/Lifetime Cap | None | Often limited |
| Provider Choice | Any doctor or specialist | Network restrictions apply |
| Deductible / IUA | Per event, max 3/year | Annual, resets every year |
| Pre-existing Conditions | Phase-in schedule (Years 1–4) | Covered (ACA) |
| Claims Process | Direct community sharing | Insurance company review |
| Transparency | High — see where money goes | Low — opaque pricing |
| Maternity | Included ($2,500 IUA) | Included (ACA) |
| Preventive Sharing | Annual visit included | Covered (ACA) |
| Dental / Vision | Not included | Usually separate |
| ACA Compliant | No (may need short-term plan) | Yes |
Is It Right for You?
Who Can Join HealthShare?
Ages 18–64. No medical underwriting required. Kids can be added anytime.
Self-Employed & Entrepreneurs
No employer membership? HealthShare gives you affordable sharing without being locked into a corporate network or ACA marketplace.
Healthy Families
If your family is generally healthy and rarely hits your deductible, HealthShare lets you keep that money instead of giving it to an insurance company.
Cost-Conscious Individuals
Anyone paying more than they should for insurance they barely use. HealthShare is designed to save you real money every month.
Values-Aligned Communities
Zion HealthShare is built on community values and mutual support — a natural fit for those who prefer a community-driven approach to healthcare.
Small Business Owners
Offer your employees a meaningful healthcare benefit without the crushing cost of group insurance. No participation requirements.
Insurance Opt-Outs
Those who are frustrated with the insurance system and want a transparent, community-driven alternative that actually makes sense.
Sharing Overview
What's Shareable with Zion HealthShare?
Shareable Medical Needs
- Emergency care & urgent care visits
- Accidents and injuries
- Hospitalizations and surgeries
- Serious illness and cancer treatment
- Maternity care (6-month waiting period, $2,500 IUA)
- Preventive care — annual visit up to $175/member
- Well-child visits and adult screenings
- Virtual care / telemedicine
- Prescription assistance program
- Mental health support (optional)
Not Shareable
- Routine office visits (use DPC for these)
- Dental and vision care
- Elective or cosmetic procedures
- Pre-membership conditions (phase-in applies)
Pre-Membership Condition Phase-In
Pre-membership conditions are phased in over 4 years:
Complete Your Coverage
Complete the Healthcare Puzzle
HealthShare handles your major medical needs. Three add-ons complete the picture — covering everyday care, prescriptions, and preventive visits.
- Board-certified doctors anytime
- Mental health support
- Rx refills from home
- No appointment needed
- Prescription discount program
- Home delivery available
- Covers most common medications
- Simple, no-hassle process
- Annual wellness visit up to $175/member
- Well-child visits
- Adult health screenings
- Proactive, not reactive care
Start with the base plan and add what you need. Telehealth, Rx, and Preventive are available as optional add-ons — build the coverage that fits your household.
Get your personalized estimate →Telehealth, Zion Rx, and Preventive Services are all built in — no add-ons required. One membership, complete coverage.
See Direct Membership rates →Common Questions
Frequently Asked Questions
From the Blog
Learn Before You Decide
Straight-talk articles to help you understand HealthShare, compare your options, and make the right call for your family.
Can I Join HealthShare Anytime? No Open Enrollment Explained
Unlike traditional health insurance, HealthShare programs let you enroll any time of year — no waiting for open enrollment windows.
HealthShare in Utah 2026: The Best Option for Families and the Self-Employed
Utah families and self-employed workers are discovering that HealthShare programs offer better value than ACA plans in 2026. Here is what you need to know.
Is Zion HealthShare a Religious Ministry? What Non-Religious Buyers Need to Know
Many people assume all HealthShare programs require religious membership. Zion HealthShare is different — here is what that means for you.
Real Member Results
What Members Are Saving
These are representative scenarios based on real member situations. Actual savings vary by family size, age, and IUA selection.
Self-Employed Contractor
Utah
Before
$1,847/mo
After
$389/mo
Saves $17,496/yr
Single male, age 38. Switched from ACA Silver plan. IUA: $1,500. No pre-existing conditions.
Family of Four
Idaho
Before
$2,940/mo
After
$689/mo
Saves $27,012/yr
Two adults, two kids. Switched from employer COBRA after job change. IUA: $2,500.
Small Business Owner
Nevada
Before
$1,420/mo
After
$298/mo
Saves $13,464/yr
Couple, ages 44 and 41. Replaced group plan when it became unaffordable. IUA: $2,500.
Verified Member Reviews
What Zion HealthShare Members Are Saying
Sean F
May 27, 2026
Been with Zion for about 5 years. Have used them for 2 child births, a variety of well check-ups, and a couple of ER visits. They have always been very clear and easy to communicate with. They've been prompt with payments to providers and reimbursements to me. As an added bonus their customer service has been stellar. I always get a real person on the phone who is glad to help and answer any questions I may have. I cannot recommend Zion highly enough.
Colin S
March 25, 2026
6 months into starting with Zion HealthShare, our son was diagnosed with a rare form of cancer. Prior to Zion, we were with traditional insurance for over 20 years. We are self-employed so traditional health insurance was a significant expense with little coverage. I submitted the sharing request right away and Zion reviewed and accepted the request as shareable within one week. The first month of treatment and hospital stays cost us over $400,000. Zion customer service was responsive, professional, and even kind. I understand the hesitations and doubts with HealthShare, but for our family we are thankful that we have Zion.
Kurt J
July 9, 2025
I was laid off and signed up with some concern about if HealthShare would work if needed. 4 months after signing up I had a heart attack and Zion HealthShare came through paying for everything (minus the "deductible"). They have been easy to work with and they were helpful in communicating what documentation was needed. True, with traditional insurance you don't have to send in documentation, but to be honest it was easy to get the documentation and get it sent in. Thank you Zion HealthShare!
Anna M
April 12, 2024
So glad we found Zion HealthShare. It is hugely affordable (it would have been thousands a month to put the rest of us on my husband's work insurance plan, yikes!). We have always received payment for claims (for regular kid things, ER visits, sport concussion). I have simply never met a medical or insurance company with such great customer service. Both positive and negative reviews are correct in that health share is definitely not for everyone, so it is important you understand exactly what they will and won't cover before committing. For us it is an excellent fit and I recommend them highly.
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No Open Enrollment
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Free: The HealthShare Comparison Checklist
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Create Your Free Healthcare Estimate Today
Use our interactive calculator to see your exact 2026 Zion HealthShare rates. Download your personalized estimate and enroll in minutes.
No obligation. No credit card required. Takes less than 2 minutes.
Talk to a Real Person
Have Questions? Let's Chat.
I'm Eric — a licensed insurance agent based in Southern Utah who doesn't like selling insurance. After seeing how much families overpay for coverage they barely use, I switched to helping people find a better way. I help families and self-employed individuals find the right HealthShare membership at the right price. No pressure, no jargon — just honest answers.
Licensed Utah Insurance Agent · NPN 21215798
Ready to Make the Switch?
Enrollment Takes Less Than 10 Minutes.
Join thousands of families who cut their healthcare costs by 30–50% with Zion HealthShare. No medical exam. No network restrictions. Coverage starts as soon as the next month.
- No lifetime or annual caps on sharing
- See any doctor or specialist — no referrals
- Avg. family saves $400+/month vs. insurance
You'll be taken to the official Zion HealthShare enrollment page.