Health Share Coverage | Apollo Health Insurance

Health 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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Getting started

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.
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Members of a health share supporting one another
The comparison

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:

Health Shares are organizations that members contribute to monthly to pay for medical expenses. Each health share has different guidelines for members to adhere to.
Health Shares typically have lower pre-subsidy costs than comparable ACA/Obamacare plans because they aren't based on household income.
Health Shares offer nationwide PPO networks versus the local HMO/EPO networks common through Obamacare.
Health Shares are available to enroll in 365 days a year — no qualifying event needed.
Health Shares automatically renew, so there's no need to re-enroll in your plan each year.
Health Share membership fees are not tax deductible.

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

Traditional insurance
Cheapest plan premium
$1,218 / month
Deductible
$9,100 individual · $18,200 family
Yearly cost in a healthy year
$14,616
Yearly cost of life's unexpected surprises
$32,816

$1,218 × 12 months ($14,616 in premium) + $18,200 family deductible

VS

Silver HCSM plan

Health share
Monthly contribution
$773.52 / month
Needs-sharing amount (NSA)
$5,000 individual · $15,000 family
Yearly cost in a healthy year
$9,282.24
Yearly cost of life's unexpected surprises
$24,282.24

$773.52 × 12 months ($9,282.24 in contributions) + $15,000 family NSA

Over $5,000

in savings if you have a perfectly healthy year.

Over $8,500

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

CoverageMedishare
"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.

Negatives of traditional health insurance

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.
Positives of health share coverage

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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