What Is a Health Cost Sharing Program?
A health cost sharing program is a community-based approach where members contribute monthly to help share the medical needs of others. These programs are not insurance, but they do offer a structured way to manage healthcare expenses, particularly when rooted in shared values and mutual support.
Programs, like those offered through WeShare, for example, operate through a nonprofit, Christian model where members support each other spiritually, emotionally, and financially during times of medical need.
Why Families Are Turning to Health Cost Sharing
Between rising costs, unclear terms, and the stress of unexpected bills, managing healthcare can be overwhelming for many families. Health cost sharing programs offer a simpler, more predictable approach.
Here’s what families typically get with a health cost sharing model:
Affordable monthly contributions: Most programs offer set monthly contributions that are often much lower than traditional healthcare options. This can free up more of your family’s budget for savings, travel, or everyday living expenses.
Clear, upfront costs: Instead of dealing with surprise charges or confusing terms, families know what to expect. A flat consultation fee or an annual amount, often called a member share, makes it easier to plan and budget for your family’s needs.
Preventive and routine care: Many health sharing programs include preventive services such as annual checkups, basic lab work, and routine visits for children and adults. These everyday needs are often eligible for sharing, helping families stay on top of their health without extra financial strain.
Support for pregnancy and birth: Maternity care is typically included, though waiting periods may apply. Programs often share in the cost of prenatal visits, delivery, and postnatal care, supporting growing families through important life transitions.
Access to mental health resources: Many programs recognize the importance of emotional well-being. Support for counseling, therapy, and other mental health services is becoming more common, helping parents and children alike.
Whole-family wellness: From nutrition and fitness to faith-based resources, some programs offer wellness tools that support the full picture of family health, not just when someone is sick.
A values-aligned community: Families who join Christian health cost sharing programs often appreciate the shared sense of purpose, support, and mutual responsibility. You’re part of something bigger than yourself, helping others while knowing the same will be done for you.
For busy families trying to simplify healthcare, reduce costs, and stay true to their values, health cost sharing can be a practical, community-based solution.
What Do Health Cost Sharing Programs Typically Include for Families?
Most health cost sharing programs are designed to support everyday healthcare needs, especially for families who want a simpler and more affordable approach. While each program differs slightly in what’s shared and how it works, here are some common features families can expect:
Access to a broad provider network: Many programs partner with national networks to provide members with access to doctors, specialists, and pharmacies nationwide. This makes it easier to find care close to home, whether you live in a small town or a larger city.
24/7 telehealth and urgent care: Families often appreciate the convenience of virtual care, especially for unexpected illnesses that occur outside of regular business hours. Most programs offer access to board-certified providers for common concerns, like fevers, rashes, or minor injuries.
Maternity and pediatric care: Programs generally include some level of support for prenatal visits, delivery, and newborn care. Pediatric needs, such as regular checkups, vaccines, and basic labs, are often eligible for sharing.
Wellness and lifestyle support: In addition to medical care, some programs offer wellness perks to help families take a proactive approach to managing their health. These might include access to fitness resources, nutrition programs, mental health tools, or faith-based content. For example, WeShare includes resources like HelloFresh meal kits, Noom, BetterHelp® counseling, and RightNow Media for spiritual growth.
A Practical Path for Faith-Focused Families
If you’re a parent trying to balance faith, finances, and your family’s health, a health cost sharing program may offer a more peaceful, values-driven way to care for your loved ones. With less complexity and greater focus on community, it’s about returning simplicity to something that matters deeply.
Explore WeShare’s plans to find the right fit for your family.
