Best Overall Healthshare Plan: OneShare Health
With low contribution amounts, 24/7 telemedicine, and 100% shared preventative care, OneShare health is perhaps the best all-around performer when it comes to health care cost sharing programs.
But Medi-Share is superior in important categories, like lifetime benefit limits (they have none). But next to cost, it might come down to the details of each plan. For example, if you have a pre-existing condition, Liberty HealthShare is the better choice, since benefits will apply earlier.
Health Care Sharing Ministries can be a viable alternative for those of a Christian faith who are agreeable to the terms and conditions of their participation. They can help to lower medical care expenses and manage financial risks for their enrollees.
Pros of healthcare sharing ministries
Healthcare sharing ministries are cost-effective because each family contributes a monthly specific dollar amount they choose based on program options. ... Healthcare sharing ministries do not impose annual or lifetime limits. Qualified adoption and funeral expenses can be covered.
It should be noted that Medishare is intended for unexpected medical bills that burden members. Examples include doctor's visits, emergency room visits, hospitalizations, prescriptions, maternity, well-child care, and adoption costs.
Health care sharing plans are provided by organizations whose members “share” medical costs.As part of a health care sharing plan, you are responsible for paying in a certain share amount each month (like a premium) as well as an “annual unshared amount” for your own expenses (like a deductible) that your medical ...
Liberty Select is the newest and least expensive option offered by Liberty HealthShare. Although members will only pay between $199-$399 a month, the Annual Unshared Amounts are much higher.
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Liberty Select.
| | Monthly Share Amount | Annual Unshared Amount (AUA) |
|---|---|---|
| Single | $199 | $6,000 |
| Couple | $299 | $12,000 |
| Family | $399 | $15,000 |
No Tax Deductions
Health insurance premiums are tax-deductible. Medi-Share contributions are not. That said, medical expenses are still deductible, subject to a threshold based on a percentage of your adjusted gross income. ... You may be able to deduct the cost of reimbursing them for their Medi-Share monthly share.
The share of costs covered by your insurance that you pay out of your own pocket. This term generally includes deductibles, coinsurance, and copayments, or similar charges, but it doesn't include premiums, balance billing amounts for non-network providers, or the cost of non-covered services.
After praising Christian healthcare sharing ministries in general, calling most of them "very reliable," Mr. Ramsey singles out Medi-Share's "great reputation." He then points out correctly that Christian health insurance alternatives are not insurance and don't face the same regulations as insurance companies.
Samaritan will reduce the monthly share during any months that have fewer needs, Medishare does not. ... Samaritan has an optional program for incidents that go above $250,000. Medishare doesn't require an additional program. Medishare has a PPO network just like insurance does, including office visit and ER copays.
Medi-Share does not exclude people for pre-existing conditions (similar to major medical plans), but they won't pay for any pre-existing conditions for the first 36 months.
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