and share the costs with others

Health Sharing

Health Sharing Ministries are organizations in which health care costs are shared amongst members who have common ethical or religious beliefs. Health Sharing is NOT insurance as it does not guarantee coverage and limits what is covered. Health Sharing is a great fit for healthy people and provides national coverage. Health Sharing programs are not created equal and each program functions differently, ranging from reimbursement based programs to plans similar to traditional insurance with membership cards and provider networks. Pricing is not based on income.

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There are three main Health Sharing Ministries that we work with, OneShare Health, Medi-Share, and Zion Health.

OneShare Health – Highest Recommended

OneShare Health is a faith-based program. Through their monthly contributions, members share in one another’s medical bills. Membership in OneShare Health is open to everyone who agrees with their Statement of Beliefs.

Benefits of OneShare Health:

  • ACA exempt – can enroll anytime of the year
  • Membership Card – not a reimbursement based plan
  • National Provider Network – First Health
  • Dental/Visions/Prescription Discount Services
  • Telemedicine Access 24/7 for free
  • Preventive Services 
  • Affordable Primary Care, Urgent Care, and Specialist Visit fees


Established in 1993 under Christian Care Ministry, Medi-Share is an affordable alternative to health insurance. As a Christian community that believes in a Biblical lifestyle, Medi-Share members agree to share each other’s Eligible Medical Bills according to Member-Voted Guidelines. 

Benefits of Medi-Share:

  • ACA exempt – can enroll any time of the year
  • Membership Card – not a reimbursement based plan
  • National Provider Network – PHCS
  • Dental/Vision/Prescription Discount Services
  • Telehealth Access 24/7 for free
  • One annual physical and two (2) screening labs (HbA1c & Lipid Panel) per member
  • Telemental Health 
  • Great plan for Children only

Zion Health

Zion Health was created with the same principles of other proven medical cost-sharing communities. Zion Health has re-imagined the Health Share concept to make medical cost-sharing more accessible, simplifying the process, and encouraging healthy living. If you have experienced or heard of medical cost-sharing communities, we invite you to take a closer look at Zion Health. 

Benefits of Zion:

  • ACA exempt – can enroll any time of the year
  • Membership Card – not a reimbursement based plan
  • National Provider Network – PHCS
  • Limit of 3 Incidents per year
  • Non-faith based
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What Our Clients Say

Called about health insurance options for the self-employed and found a great deal. The process was so quick and easy and Rob was super helpful.

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They have covered all our insurance needs for home, life, long term care and vehicles quickly, with great communication and just the right products

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I needed medical insurance and discovered that Obamacare was unaffordable. I tried Dave Ramsey’s ELP program, and was contacted by Ross Insurance Brokers. I was able to reduce my medical, home, and auto insurance costs, and I was treated professionally in the process.

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