Compare Health Cost Sharing Options
Compare health cost sharing options on the market and find the best fit for your needs.
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Select Options to Compare
The data below is accurate as of October 2025
DISCLAIMER: Due to the unique structure of each Healthshare, we’ve summarized this information to provide a general comparison. Additional costs or limitations may not be reflected.
For complete details, please visit the organization's website.
For complete details, please visit the organization's website.
Sort by
Application Fees
CrowdHealth
Black Swan
Original
None
Sedera
$5,000 IUA
$2,500 IUA
$500 IUA
$30 Set up fee
Zion
$5,000 IUA
$2,500
$1,000 IUA
$50 Registration fee
Altrua
Ruby
Emerald
Diamond
$100 Fee +/- $25 Elective donation / year
Samaritan Ministries
Basic
Classic
$200 Startup fee
Medi-Share
Medi-Share
$75 Application fee +$2 admin fee
Christian Healthcare Ministries
Bronze
Silver
Gold
None
Liberty Healthshare
Essential
Connect
Unite
$135 Application Fee
Solidarity
SHEILD
SAAVY
ONE
$135 Application Fee
United Refuah Healthshare
Family
Couple
Single
$125 Application Fee + $75/yr at renewal
Member Commitment
before sharing eligible
costs
before sharing eligible
costs
CrowdHealth
Black Swan
Original
$15,000 / Health Event
$500 / Health Event
Sedera
$5,000 IUA
$2,500 IUA
$500 IUA
$5,000 / Medical Incident
$2,500 / Medical Incident
$500 / Medical Incident
Zion
$5,000 IUA
$2,500
$1,000 IUA
$5,000 / Medical Incident
$2,500 / Medical Incident
$1,000 / Medical Incident
Altrua
Ruby
Emerald
Diamond
$7,500 per person/year
$1,000 per person/year
$500 per person/year
Samaritan Ministries
Basic
Classic
$2,000 / need
$1,000 / need
Medi-Share
Medi-Share
$3,000, $6,000, $9,000, $12,000 per family / year (member's choice)
Christian Healthcare Ministries
Bronze
Silver
Gold
$6,000 per person/year
$3,000 per person/year
$1,250 per person/year
Liberty Healthshare
Essential
Connect
Unite
$4-12k per person/year
$1,000 - $3,000 per person/year
$1,000 - $2,250 per person/year
Solidarity
SHEILD
SAAVY
ONE
$12,000 per person/year
$3,000 or $12,000 (member's choice)
$3,000, $6,000, $9,000, or $12,000 (member's choice)
United Refuah Healthshare
Family
Couple
Single
$1,500 per person/year
$1,000 per person/year
$500 per person/year
Monthly Cost, Individual
CrowdHealth
Black Swan
Original
$95 - $135 (varies by age)
MAX $195 - $335 (varies by age and crowdfunding needs)
Sedera
$5,000 IUA
$2,500 IUA
$500 IUA
$153 - $440
(varies by age)
$201 - $541 (varies by age)
$267 - $742 (varies by age)
Zion
$5,000 IUA
$2,500
$1,000 IUA
$201
$281
$305
Altrua
Ruby
Emerald
Diamond
$136
$318 - $528
$356 - $617
Samaritan Ministries
Basic
Classic
$119 - $475
$199 - $865
Medi-Share
Medi-Share
$260
Christian Healthcare Ministries
Bronze
Silver
Gold
$115
$169
$299
Liberty Healthshare
Essential
Connect
Unite
Starting at $163
Starting at $211
Starting at $261
Solidarity
SHEILD
SAAVY
ONE
Starting at $232
Starting at: $179
Starting at: $85
United Refuah Healthshare
Family
Couple
Single
-
-
$199 + $10 monthly credit card surcharge
Monthly Cost, Couple
CrowdHealth
Black Swan
Original
$190 - $270 (varies by age)
MAX $390 - $670 (varies by age and crowdfunding needs)
Sedera
$5,000 IUA
$2,500 IUA
$500 IUA
$266 - $839 (varies by age)
$362 - $1,043 (varies by age)
$495 - $1,444 (varies by age)
Zion
$5,000 IUA
$2,500
$1,000 IUA
$402
$562
$610
Altrua
Ruby
Emerald
Diamond
$200
$496 - $967
$528 - $1,075
Samaritan Ministries
Basic
Classic
$119 - $475 / person
$199 - $865 / person
Medi-Share
Medi-Share
$530
Christian Healthcare Ministries
Bronze
Silver
Gold
$230
$338
$598
Liberty Healthshare
Essential
Connect
Unite
Starting at $266
Starting at $349
Starting at $472
Solidarity
SHEILD
SAAVY
ONE
Starting at: $476
Starting at: $429
Starting at: $336
United Refuah Healthshare
Family
Couple
Single
-
$349/month + $10 monthly credit card surcharge
-
Monthly Cost, Family
CrowdHealth
Black Swan
Original
Starting at $340
MAX Starting at $585
Sedera
$5,000 IUA
$2,500 IUA
$500 IUA
$378 - $1,211 (varies by age)
$519 - $1,506 (varies by age)
$710 - $2,088 (varies by age)
Zion
$5,000 IUA
$2,500
$1,000 IUA
$201 / person
$281 / person
$305 / person
Altrua
Ruby
Emerald
Diamond
$265
$661 - $1,056
$706 - $1,145
Samaritan Ministries
Basic
Classic
$119 - $475 / person
$199 - $865 / person
Medi-Share
Medi-Share
$790
Christian Healthcare Ministries
Bronze
Silver
Gold
$115 / person
$169 / person
$299 / person
Liberty Healthshare
Essential
Connect
Unite
Starting at $513
Starting at $658
Startgin at $874
Solidarity
SHEILD
SAAVY
ONE
Starting at: $672
Starting at: $619
Starting at: $512
United Refuah Healthshare
Family
Couple
Single
$499/month* (3-6 members ($50/month for each additional member) + $20 surcharge
-
-
Religious Faith
CrowdHealth
Black Swan
Original
Any
Sedera
$5,000 IUA
$2,500 IUA
$500 IUA
Any
Zion
$5,000 IUA
$2,500
$1,000 IUA
Any
Altrua
Ruby
Emerald
Diamond
Christianity
Samaritan Ministries
Basic
Classic
Christianity
Medi-Share
Medi-Share
Christianity
Christian Healthcare Ministries
Bronze
Silver
Gold
Christianity
Liberty Healthshare
Essential
Connect
Unite
Christianity
Solidarity
SHEILD
SAAVY
ONE
Christianity
United Refuah Healthshare
Family
Couple
Single
Jewish
Rating/Review
CrowdHealth
Black Swan
Original
4.9/5
Sedera
$5,000 IUA
$2,500 IUA
$500 IUA
2.4/5
Zion
$5,000 IUA
$2,500
$1,000 IUA
4.8/5
Altrua
Ruby
Emerald
Diamond
2.3/5
Samaritan Ministries
Basic
Classic
3/5
Medi-Share
Medi-Share
2/5
Christian Healthcare Ministries
Bronze
Silver
Gold
2.5/5
Liberty Healthshare
Essential
Connect
Unite
1.4/5
Solidarity
SHEILD
SAAVY
ONE
1.5/5
United Refuah Healthshare
Family
Couple
Single
0 Reviews
Provider Network
CrowdHealth
Black Swan
Original
Any | No Network Required
Sedera
$5,000 IUA
$2,500 IUA
$500 IUA
Any | No Network Required
Zion
$5,000 IUA
$2,500
$1,000 IUA
Any | No Network Required
Altrua
Ruby
Emerald
Diamond
MultiPlan (Optional)
Samaritan Ministries
Basic
Classic
Any | No Network Required
Medi-Share
Medi-Share
Members should use PPO providers whenever possible
Christian Healthcare Ministries
Bronze
Silver
Gold
Any | No Network Required
Liberty Healthshare
Essential
Connect
Unite
Any | No Network Required
Solidarity
SHEILD
SAAVY
ONE
Any | No Network Required
United Refuah Healthshare
Family
Couple
Single
Any | No Network Required
Annual Wellness
CrowdHealth
Black Swan
Original
Not Eligible
$300 in funding (Member Commitment waived) for a wellness visit of YOUR choice.
Sedera
$5,000 IUA
$2,500 IUA
$500 IUA
Not Included | Access through DPC
Zion
$5,000 IUA
$2,500
$1,000 IUA
Once a year; limited to the services provided during the office visit only up to $175
Altrua
Ruby
Emerald
Diamond
Female age > 40y, Male > 50y
Samaritan Ministries
Basic
Classic
No
Medi-Share
Medi-Share
Eligible for certain members
Christian Healthcare Ministries
Bronze
Silver
Gold
No
Liberty Healthshare
Essential
Connect
Unite
AUA waived | Up to $500
Solidarity
SHEILD
SAAVY
ONE
Annual Well Visits + up to $200 in wellness labs and PAP smears
Annual Well Visits + up to $200 in wellness labs and PAP smears
1 wellness exam or physical per Program Year are eligible for sharing (AUA Waived)
United Refuah Healthshare
Family
Couple
Single
Shareable
Screening Mammogram
CrowdHealth
Black Swan
Original
Not Eligible
Eligible once the Member Commitment of $500 is met, but can be fully eligible if the yearly wellness visit is for this test.
Sedera
$5,000 IUA
$2,500 IUA
$500 IUA
Age 40+ | max $600 |
Initial Unsharable Amount (IUA) waived | 6-month waiting period
Zion
$5,000 IUA
$2,500
$1,000 IUA
Age 40+ Eligible | max $600 | 6-month waiting period
Altrua
Ruby
Emerald
Diamond
Age 40+
Max $500, $35 copay
Samaritan Ministries
Basic
Classic
No
Medi-Share
Medi-Share
No
Christian Healthcare Ministries
Bronze
Silver
Gold
May be sharable; case based
Liberty Healthshare
Essential
Connect
Unite
Once a year | AUA waived
Solidarity
SHEILD
SAAVY
ONE
Shareable
United Refuah Healthshare
Family
Couple
Single
Up to $300 every other year for women ages 40 and above.
Screening Colonoscopy
CrowdHealth
Black Swan
Original
Not Eligible
Eligible once the Member Commitment of $500 is met, but can be fully eligible if the yearly wellness visit is for this test.
Sedera
$5,000 IUA
$2,500 IUA
$500 IUA
Age 45+| max $2,500
IUA waived | 6-month waiting period
Zion
$5,000 IUA
$2,500
$1,000 IUA
Sharing is limited to $5,000; available to high-risk members under 45 with written approval from Zion Health Care
Altrua
Ruby
Emerald
Diamond
Age 50+: 1/year, 3 per lifetime 12-month waiting period
Samaritan Ministries
Basic
Classic
No
Medi-Share
Medi-Share
No
Christian Healthcare Ministries
Bronze
Silver
Gold
Shareable if required for diagnosing an illness and symptoms are present
Liberty Healthshare
Essential
Connect
Unite
Shareable after AUA (except Cologuard)
Solidarity
SHEILD
SAAVY
ONE
Shareable
United Refuah Healthshare
Family
Couple
Single
Up to $1,500 once every ten years for members ages 45 and above after the first year of membership.
Emergency Care
CrowdHealth
Black Swan
Original
Eligible once the Member Commitment of $15,000 is met
Eligible once the Member Commitment of $500 is met
Sedera
$5,000 IUA
$2,500 IUA
$500 IUA
100% after IUA is met
Zion
$5,000 IUA
$2,500
$1,000 IUA
IUA | +$500 if 2nd ER for same
Altrua
Ruby
Emerald
Diamond
Subject to MRA
Samaritan Ministries
Basic
Classic
Need-based
Medi-Share
Medi-Share
After AHP, $500 provider fee
Christian Healthcare Ministries
Bronze
Silver
Gold
After PR
Liberty Healthshare
Essential
Connect
Unite
$500 copay, max $1,000/year
Solidarity
SHEILD
SAAVY
ONE
Shareable
United Refuah Healthshare
Family
Couple
Single
Shareable (should be notified before hand); for true medical emergencies, Pre-Notification may be completed retroactively
Maternity
CrowdHealth
Black Swan
Original
Not Eligible
After $3,000 Member Commitment, the rest is eligible for crowdfunding. All three phases of maternity care: prenatal, labor & delivery, and postpartum—count as a single Pregnancy Health Event.
Sedera
$5,000 IUA
$2,500 IUA
$500 IUA
Separate Maternity IUA:
$5,000 Vaginal or emer. C-section,
$7,500 for Elective C-section
Zion
$5,000 IUA
$2,500
$1,000 IUA
IUA applies | Time limit on need request | No fertility treatments
Altrua
Ruby
Emerald
Diamond
$5,000 Pregnancy MRA
+ max $12k Y1, $25k Y2+ No fertility treatments
$5,000 Pregnancy MRA
+ max $12k Y1, $25k Y2+ No fertility treatments
None
Samaritan Ministries
Basic
Classic
90% after $1,500 IUA w/ $5k sharing cap; 10% co-share cap (may be responsible for $13,500)
70% after IUA, member pays 30% up to max of $3,000 Sharing cap at $247,000
Medi-Share
Medi-Share
Must be married
After AHP of $3,000; Max $125,000; must be married and have faithfully shared from conception through delivery
Christian Healthcare Ministries
Bronze
Silver
Gold
Must be married; Member responsible to pay $9,000
Must be married; Member responsible to pay $5,000
Must be married; Member responsible to pay $2,500
Liberty Healthshare
Essential
Connect
Unite
Up to $125,000/pregnancy
Solidarity
SHEILD
SAAVY
ONE
Shareable
United Refuah Healthshare
Family
Couple
Single
+$900 Pregnancy Responsibility
+$2,500 Pregnancy Responsibility
Pre-existing conditions
sharing limitations
sharing limitations
CrowdHealth
Black Swan
Original
Not eligible in first 24 months. Starting in the third year of Membership, up to $25,000 of bills per year related to previously diagnosed or documented health condition(s) may be submitted for crowdfunding and thereafter
Sedera
$5,000 IUA
$2,500 IUA
$500 IUA
Not shareable in first 12 months |
Year 2 - $15,000 | Year 3 - $30,000 | Year 4+ fully shareable
Zion
$5,000 IUA
$2,500
$1,000 IUA
Not shareable in first 12 months;
$25,000 Y2, $50,000 Y3, $125,000 Y4 & thereafter
Altrua
Ruby
Emerald
Diamond
10 year lookback period; 2 year, 5 year, or lifetime limitations depending on condition
Samaritan Ministries
Basic
Classic
Not shareable in first 12 months for most;
5 years for cancer, heart, hereditary
Medi-Share
Medi-Share
Not shareable in first 36 months;
$100,000 after 36 mo, $500,000 after 60 mo and thereafter
Christian Healthcare Ministries
Bronze
Silver
Gold
CHM Gold and CHM SeniorShare program, maintained only: 1st year up to $15,000; 2nd year up to an additional $10,000; 3rd year up to an additional $25,000; 4th year regular sharing
Liberty Healthshare
Essential
Connect
Unite
Not shareable in first 12 months; then max $50,000 in 2nd & 3rd years combined; fully shareable thereafter
Solidarity
SHEILD
SAAVY
ONE
In first 12 months; then max $25,000 in
2nd & 3rd yr, fully shareable thereafter
United Refuah Healthshare
Family
Couple
Single
In first 12 months; then max $25,000 in 2nd and 3rd years combined, fully shareable thereafter
Mental Health/Therapy
CrowdHealth
Black Swan
Original
Unlimited Virtual Talk Therapy through BetterHelp | Inpatient Mental Health eligible.
Sedera
$5,000 IUA
$2,500 IUA
$500 IUA
Max $750/need and /year
Zion
$5,000 IUA
$2,500
$1,000 IUA
Via LifeWorks program
Altrua
Ruby
Emerald
Diamond
No
Samaritan Ministries
Basic
Classic
No
Medi-Share
Medi-Share
TeleBehavioral Health only
Christian Healthcare Ministries
Bronze
Silver
Gold
No
Liberty Healthshare
Essential
Connect
Unite
No
Solidarity
SHEILD
SAAVY
ONE
Shareable
United Refuah Healthshare
Family
Couple
Single
Up to 12 visits/yr, max $125/visit
Excluded States
CrowdHealth
Black Swan
Original
Offers Memberships Nationwide
Sedera
$5,000 IUA
$2,500 IUA
$500 IUA
Washington, Vermont, Pennsylvania, New Mexico, California
Zion
$5,000 IUA
$2,500
$1,000 IUA
Offers Memberships Nationwide
Altrua
Ruby
Emerald
Diamond
Offers Memberships Nationwide
Samaritan Ministries
Basic
Classic
Offers Memberships Nationwide
Medi-Share
Medi-Share
Offers Memberships Nationwide
Christian Healthcare Ministries
Bronze
Silver
Gold
Offers Memberships Nationwide
Liberty Healthshare
Essential
Connect
Unite
Offers Memberships Nationwide
Solidarity
SHEILD
SAAVY
ONE
Offers Memberships Nationwide
United Refuah Healthshare
Family
Couple
Single
Offers Memberships Nationwide
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