816-400-4477Health Share Coverage
Affordable health coverage with a nationwide network — built for individuals and families who want more flexibility than a traditional plan.
- PPO National Network
- Price Not Based On Income
- Plans For Everyone
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What is a Health Share?
Health shares are communities of individuals who pool their resources into a managed fund, designed to cover medical expenses collectively. While they share similarities with conventional insurance plans, they operate through member contributions to support one another's healthcare needs.
How Health Shares Work
- 1 Members contribute a set amount each month to their health share organization.
- 2 These contributions are pooled into a managed fund.
- 3 When a member requires medical care, the health share plan helps cover their medical expenses.
Health Shares vs. Health Insurance
While health shares and health insurance share many similarities, they also have key differences. When deciding between the two, it's essential to carefully consider the following factors:
What it can look like in real numbers
Sample family of four (parents age 40, kids 8 and 6) in Kansas City, MO
Bronze ACA plan
- Cheapest plan premium
- $1,218 / month
- Deductible
- $9,100 individual · $18,200 family
- Yearly cost in a healthy year
- $14,616
$1,218 × 12 months ($14,616 in premium) + $18,200 family deductible
Silver HCSM plan
- Monthly contribution
- $773.52 / month
- Needs-sharing amount (NSA)
- $5,000 individual · $15,000 family
- Yearly cost in a healthy year
- $9,282.24
$773.52 × 12 months ($9,282.24 in contributions) + $15,000 family NSA
in savings if you have a perfectly healthy year.
in savings if a worst-case scenario happens to your family.
Lower monthly amounts, lower doctor's visits, lower out-of-pockets — health sharing plans can cost less and offer stronger everyday coverage.
Old way vs. new way: the movement in health-sharing
How today's health shares compare to the Medishare-style plans of the past
| Coverage | Medishare "Old way" | New Healthshares "New way" |
|---|---|---|
| Wellness / preventive care | ✕ | ✓ |
| Low out-of-pockets | ✕ | ✓ |
| Low visit fees | ✕ | ✓ |
| Chronic maintenance | ✕ | ✓ |
| PPO network | ✕ | ✓ |
| Confusing bills | ✓ | ✕ |
| Forced to self-pay | ✓ | ✕ |
| Per-incident exposure | ✓ | ✕ |
| Smaller incident caps | ✓ | ✕ |
Traditional health insurance vs. health share coverage
Health insurance can be a challenge. Health share coverage is a different way to handle it.
Health insurance can be a challenge
- Network
- ACA plans are usually limited to EPO or HMO networks, which can make provider options limited.
- Deductibles
- Average out-of-pocket runs $7,400 or more, though a subsidy may be available depending on income.
- Price
- Bronze, Silver, Gold, and Platinum tiers trade lower premiums for higher deductibles and copays, or vice versa.
- Consistency
- Plans change every year, and you have to renew every year.
A different way to cover your care
- Network
- Choose from numerous PPO providers locally and nationwide, with the flexibility of an extensive network.
- Deductibles
- The same great choices are available regardless of income — on average, around $1K out of pocket.
- Price
- Lower prices, deductibles, and max out-of-pocket costs, all without sacrificing quality of care.
- Consistency
- No renewals needed — coverage stays in place until age 65.
Apollo Will Find the Right Plan for You
Driven by our mission to Positively Impact People's Lives, we empower individuals and families to find the perfect healthcare coverage. Since 2010, we have secured over 32,000 affordable health plans for those seeking coverage. Our team of dedicated health insurance advisors go beyond quotes — offering competitive pricing, a wide range of options, and unparalleled advocacy for your well-being. Our goal is to make sure you feel confident and have peace of mind knowing that your health coverage is taken care of.
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"Anthony was very helpful in my wife's and I needs, took time to explain different options and costs. Very attentive — you can tell he heartily enjoys helping people, and their income very happy he's my health care contact."
"Jake Cooper was so helpful in helping me find the right plan to fit my family's needs. He provided detailed information and exhibited patience, friendliness, and was efficient! Highly recommend this company to assist with your health insurance needs!"
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