How Health Sharing Works

With healthcare costs continuing to skyrocket and insurance premiums increasing, Americans are seeking a more cost-effective and flexible alternative to healthcare. Health share programs are an increasingly attractive alternative to traditional insurance for many individuals and families

What is Health Sharing & How Does it Work?

What is Health Sharing

Christian health care sharing is not health insurance. It’s a cost-sharing ministry that involves guiding and helping Members with mind, body, spirit, and financial support all within a like-minded community.

Christian health care sharing is a voluntary agreement among Members to share in each other’s medical costs through their Monthly Contributions. This kind of sharing is an alternative to more expensive health care options that you may not be able to afford.

How Does it Work

When members incur expenses for an eligible medical need, they request that the health sharing ministry facilitates cost sharing by the membership. These health sharing organizations coordinate voluntary monthly financial contributions from their members in an effort to support the medical needs of all sharing members. Through this participation, members are helping others who share a common belief system.

Healthcare share programs have existed along with conventional health insurance plans for years, though they have increased in popularity since the Affordable Care Act (ACA) was passed back in 2010.

Health sharing ministries offer a means for people to get the medical attention they need, while sharing their health care expenses with other households.

Those who wish to be a part of a health sharing organization must meet certain criteria to be eligible for membership. For instance, in faith-based health share programs, members commit to maintaining a healthy lifestyle and understand that they will be a part of a community of like-minded people of faith.

Accepted members will choose a health sharing program and contribute a set monthly amount that is used to help other members who have medical needs. Members are then able to access funds in return if they incur medical costs that fall under the category of Eligible Medical Needs.

Just as people have several options when choosing a traditional health insurance policy, there are several different levels of health share programs. Though health share programs are not insurance plans, they do offer a variety of flexible options to meet the needs of members.



Contribute your monthly share amount.



Locate a provider in our PHCS PPO Network or the nearest CVS MinuteClinic and visit your facilty and/or doctor. NOTE: it is best practice is to reach out to Member Services prior to visit to ensure the provider is still in network as this can change.


Present Card

Show your WeShare membership ID card and identify yourself a part of the PHCS PPO Network.



Eligible medical expenses submitted by the provider or Member are shared by other members.

WeShare by UHSM is Not a Reimbursement Program

WeShare is not a reimbursement program. WeShare is NOT an insurance company nor is the membership offered through an insurance company. WeShare membership is offered and administered by Unite Health Share Ministries™ (UHSM), a nonprofit, religious health sharing ministry that facilitates member-to-member sharing of medical expenses. WeShare is connected through the PHCS® PPO Network, a wholly owned subsidiary of MultiPlan, Inc., to enhance resources, community, and healthcare for all WeShare members. WeShare members have access to pre-negotiated rates over medical services through both vast networks, the PHCS® PPO, CVS Caremark™, and CVS MinuteClinic™ Network. Members should never have to pay cash up-front for services in-network, with the only payment incurred at the time of service being the per member, per visit, consultation fee, as outlined in the Membership Guides. All Sharing Members are responsible for their own medical expenses.