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 Direct

Join Essential

Essential Memberships include Cost Sharing and are customizable with additional services like:

Preventive Care
Telemedicine
Prescription Sharing
Mental Health

Join Essential

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.

Mary Gardner

July 28, 2023

Chris was awesome!!!!

Holly Morris

July 28, 2023

Chris was so helpful and knowledgeable during the orientation process. The signup process has been very easy.

Andrew Tevald

July 27, 2023

Zion health is responsive and easy to speak to. Major benefit!!!

Andy Harstad

July 27, 2023

My family of 5 has been part of Zion for more than 5 years and Zion has been wonderful. Timely responses to all of our needs via email and phone calls. They process your requests right away(great online portal), payments or reimbursements are sent within 5-8 days and finanically it has been a very smart choice for our family.

Linda Simmons

July 27, 2023

Love working with Zion Health Share! Customer service is great!

Leslie Libutti

July 27, 2023

We have been members with Zion Health Share since 2020 and have found it to be the perfect fit for our finances and lifestyle. As self employed, small business owners, we used to buy health insurance for 3 times the monthly cost of our membership with Zion, and that got us a high-deductible health plan, which meant we would be out of pocket over $36,000 annually before any coverage kicked in. We do our best to live healthy so, thankfully, we never had any major medical needs. Even still, the annual cost of insurance added to the stress of being an entrepreneur. The cost of membership with Zion is so reasonable. The peace of mind of belonging to the community and the customer service level we've received any time we've had questions is unparalleled. We've referred several other families over the past few years and couldn't be happier with Zion!

Stephen Merkley

July 26, 2023

My first time signing in to ask for share request was a pleasant experience. The Zion customer service was very helpful in getting my request submitted.

Lauren Lyles

July 26, 2023

Customer service was great. Love paying into a group that helps others <3

Leah Champagne

July 26, 2023

So excited to be part of Zion! Just finished my welcome call where they were very patient and answered all of my questions. It seems too good to be true, but it's REAL! I've been recommending them to all my family and friends.

Robin Carter

July 26, 2023

Having been a member of a different bill sharing network for many years prior to making the change to Zion, all I can say is: there is no comparison. Everything is better here. Timeliness of communication, easy to understand member guidelines, prepaid credit cards to use for wellness appointments and preventative screenings made everything stress free, and the affordable monthly fees are just amazing. We're just sorry it took us so long to leave our other network!

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.

Learn More

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

Cost Sharing

Provides security for those unexpected medical needs. Learn More

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.

Join Direct

What Is An IUA?