Health Cost Sharing has been around for over 30 years. Initially only a handful of Christians participated in these communities. Today there are many healthcost sharing groups and millions of Americans are member of one.
With the advent of the ObamaCare Mandate and the ACA, healthcost sharing has exploded in popularity due to its low cost, ease of use and common sense sharing guidelines.
Each community has their own sharing guidelines. This is exactly what and how you can expect sharing of all expenses that members of that sharing community have.
Some communities use a network in order to lower costs and others rely on the member to be a self pay patient (which greatly reduces group cost) except in the case of larger catastrophic (hospital and surgical) bills.
Most healthshares will gradually share in costs associated with a pre-existing condition.
No healthshare will share on expenses surrounding a pre-existing condition the first 12 months of membership.
After the age of 50 each of the healthshares featured on this website have serious sharing restrictions for COPD, Heart Attack, Stroke expenses.
A "Need" is a concept that all of the healthshares on this site use as basis for sharing expenses on.
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