Welcome To
Zion HealthShare
America’s Leading HealthShare
Welcome To
Zion HealthShare
America’s Leading HealthShare
What is Zion HealthShare?
Is Zion HealthShare Insurance?
No. Insurance arrangements are a contract whereby one party agrees to be legally responsible for and accept another party’s risk of loss in exchange for a payment—a premium.
Medical cost sharing is a community where members agree to share medical expenses through voluntary giving. Unlike insurance, the focus of Zion HealthShare is to provide an avenue for members to help each other bear their immediate healthcare expenses.
Since the 1980s, health share programs have grown as a low-cost alternative to health insurance. A health share is a group of people who have agreed to help with each other’s medical costs.
Most health shares operate through monthly contributions distributed to people who need help paying medical bills. Health share programs generally have an unshared amount that an individual is responsible for paying before sharing begins.
What is an IUA?
The initial unshareable amount, or IUA, is the amount a member will pay per medical need before the Zion HealthShare community shares in medical expenses. Zion HealthShare has three IUA options: $1,000, $2,500, and $5,000. The lower your IUA, the higher your monthly contribution will be.
For a medical expense to qualify towards the IUA, it must meet the Member Guidelines and be determined eligible for sharing.
How does Zion HealthShare work?
Once you are a member, Zion HealthShare works in three simple steps:
1. Submit a Sharing Request: Unless it is an emergency, contact Zion HealthShare prior to any medical appointment. Our Medical Advocacy team can help you navigate your healthcare experience.
2. Present as a Self-Pay Patient: Zion HealthShare is not insurance. At your appointment, please present as a self-pay patient.
3. Share with the Community: Eligible medical expenses will be shared among community members. When your medical need is determined eligible for sharing, Zion HealthShare will work with you to coordinate provider payments. As you receive bills from your provider, request itemized statements and send them through your member portal.
Does Zion HealthShare have religious requirements?
No. Zion HealthShare welcomes members of all walks of life regardless of religious affiliation.
Is Zion HealthShare right for my family?
Zion HealthShare may be the right fit for you if you are looking for a proven and effective alternative to health insurance. Zion HealthShare offers cost-sharing for significant medical expenses and can save members up to 60% on their healthcare costs.


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Join America’s HealthShare

Join Direct
Direct Memberships include the following features (Mental Health can be added for a small additional monthly cost) :
- Cost Sharing
- Preventive Care
- Telemedicine
- Prescription Sharing

Join Essential
Essential Memberships include Cost Sharing and are customizable with additional services like:
- Preventive Care
- Telemedicine
- Prescription Sharing
- Mental Health
Join America’s HealthShare

Join Direct
Direct Memberships include the following features (Mental Health can be added for a small additional monthly cost) :
- Cost Sharing
- Preventive Care
- Telemedicine
- Prescription Sharing

Join Essential
Essential Memberships include Cost Sharing and are customizable with additional services like:
- Preventive Care
- Telemedicine
- Prescription Sharing
- Mental Health
Why Zion HealthShare?
Why Zion HealthShare?
Accepting
We have a diverse membership base, and we accept people of all walks of life regardless of faith.
Freedom-Focused
Members have the freedom to work with any provider without network restrictions.
Efficient
With proper documentation sharing requests could be processed in as quickly as five business days.
Unlimited
We do not have annual or lifetime sharing maximums.
Community-Driven
We voluntarily share each other’s medical costs as a community of like-minded individuals.
Accessible
We have payment options that allow the freedom to choose a preferred method.
Healthy
We encourage healthy living practices for all members of our community.
Worldwide
We share into acute medical costs incurred outside the United States.
Accepting
We have a diverse membership base, and we accept people of all walks of life regardless of faith.
Freedom-Focused
Members have the freedom to work with any provider without network restrictions.
Efficient
With proper documentation sharing requests could be processed in as quickly as five business days.
Unlimited
We do not have annual or lifetime sharing maximums.
Community-Driven
We voluntarily share each other’s medical costs as a community of like-minded individuals.
Accessible
We have payment options that allow the freedom to choose a preferred method.
Healthy
We encourage healthy living practices for all members of our community.
Worldwide
We share into acute medical costs incurred outside the United States.

Joining is as easy as 1-2-3.
1. Select a membership
We offer two different membership types: Direct and Essential. The Direct Membership is all-inclusive and automatically includes additional services like Teladoc and Preventive Sharing. The Essential Membership is a basic membership that is customizable to fit your exact needs.
2. Sign up
Once you have decided on the membership type, you can sign up directly from our website or call our Member Care team for 1-on-1 support.
3. Start sharing
When you experience an eligible medical need, submit a sharing request, pay your pre-determined IUA, and let the community share the rest.
Membership Features

Preventive Care
Annual provider visits and other preventive services are available to you without the need to meet your IUA. Learn More

Mental Health
Zion HealthShare has partnered with LifeWorks to offer mental health resources and acute counseling to our members. LifeWorks can be added to any membership. Learn More

Telemedicine
Unlimited virtual visits 24/7 with no consultation fee. Skip the wait at the doctor’s office and get care from home. Learn More

Prescription Sharing
Access to discounted prescriptions from any pharmacy through Optum Rx. Learn More
How Much Do Memberships Cost?
You may choose from an IUA of $1,000, $2,500, or $5,000. This is the amount you will pay when you incur medical expenses deemed eligible for sharing. Once your paid medical expenses rise above the threshold of your IUA, the eligible medical costs become shareable with the community.

Submit A Sharing Request!
