ACA-Exempt Healthshare Programs

A Low-Cost, Legal Way to Opt Out of Obamacare


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An Alternative to Health Insurance


Healthshare programs are not offered by insurance companies but rather by recognized medical cost sharing organizations. These organizations are sometimes called Health Care Sharing Ministries (HCSMs).

To qualify, these organizations must have been in existence and sharing medical expenses continuously since December 31, 1999. They must be set up as a non-profit 501(c) organization.

Because these programs are not insurance, they do not fall under state and federal regulations governing health insurance. Members of HCSMs pay a monthly contribution which goes into an escrow account. That money that is then used to pay qualified medical needs.

All You Need To Know About Healthshare Programs



Exemption from Obamacare Requirements

Under the Affordable Care Act, virtually all Americans are required by law to purchase health insurance. Those who don’t will face a tax penalty of up to 2.5% of their family’s annual income.

However, members of recognized HCSM’s are exempt from this requirement. When filling out their tax return, they simply use IRS Form 8965 to indicate their exemption.

The Affordable Option

Healthshare programs do not have “premiums”, but rather “contribution amounts.” Typically, these amounts are half the cost of an unsubsidized health insurance policy.

There are several reasons for this. The first is because healthshare programs will not cover pre-existing conditions for at least two years. Those joining healthshare plans are on average much healthier than those buying health insurance.

Healthshare programs are also not required to cover birth control, preventive care, and many of the other essential benefits required under the Affordable Care Act.

Special Requirements and Conditions

Unlike health insurance plans, healthshare programs are not required to cover pre-existing conditions. In most cases, there will be at least a two year period before pre-existing conditions are covered.

They also generally do not cover cancer for the first 12 months of the policy, and most have a lifetime limit of $1,000,000 in cost sharing.

Because healthshare programs are offered by faith-based groups, they often have additional rules and restrictions. Please read the details thoroughly, so you understand any restrictions on the program you choose.

We currently offer Healthshare programs from Altrua HealthShare, AlieraCare, Medi-Share, and HSA-qualified plans from Sedera and Mpowering Benefits.

You can apply online, or contact us for free expert assistance.

We’ve also answered the frequently asked questions about healthshare programs on our Healthshare FAQ page. If you’d like even more detailed information, request a copy of our free special report, How Smart Consumers are Opting Out of Obamacare and Slashing Their Costs by Joining Healthshare Programs here.

ACA-Exempt Healthshare Plans

A Low-Cost and Legal Way to Opt Out of Obamacare