Frequently Asked Questions

A Health Care Sharing Ministry is a faith-based, non-profit organization where members voluntarily share the cost of each other’s medical expenses. Rather than paying premiums to an insurance company, members contribute a monthly “share” that helps fellow members with eligible medical needs. HCSMs are recognized under federal law and have operated in the United States for decades.

No. Anglican Care is not insurance. It is a voluntary community of faith-based members who choose to share medical expenses. Sharing is not guaranteed and there is no contract of insurance. This distinction is important — it means fewer restrictions, no networks, and lower costs, but also that sharing depends on the community’s contributions.

Key differences include: no network restrictions (see any doctor), no annual rate hikes, lower monthly costs (starting at $79/mo for individuals), no enrollment windows (join anytime), and a faith-based community approach. However, sharing is voluntary and not guaranteed, unlike insurance which is a contractual guarantee.

Pre-existing conditions are eligible for sharing after 12 months of continuous membership. During the first 12 months, pre-existing conditions are not eligible for sharing. After 12 months, they become eligible according to our Sharing Guidelines. Anglican Care does not deny membership based on medical history.

Monthly contributions are age-banded and start at $79/mo (Foundational, individual under 30) up to $799/mo (Complete, family 50-64). Senior Care starts at $89/mo. Use our price calculator for an estimate based on your age, household, and preferred tier.

The MRA is the amount you pay out-of-pocket before sharing begins, similar to a deductible. Foundational has a $5,000 MRA, Essential has $2,500, and Complete has $1,000. Senior Care has a $500 MRA. Once your MRA is met for a medical incident, the community shares the remaining eligible expenses up to your sharing limit.

Each tier has a per-incident sharing limit: Foundational $250,000, Essential $500,000, Complete $1,000,000, and Senior Care $250,000. You can add the Catastrophic Support Add-On to extend your limit by an additional $1,000,000 per incident.

Eligible expenses include doctor and specialist visits, hospital stays, surgeries, emergency room visits, lab work, diagnostic imaging, and prescriptions (up to $5,000 per incident). Maternity sharing is eligible after 12 months of continuous membership. See our Sharing Guidelines for full details.

Yes! We offer: ACH Auto-Pay (3% off), Annual Payment (1 month free, ~8.3% savings), Health Incentive (up to 5% off for completing wellness visit), Ministry Referral ($100 credit), and Group Enrollment savings (up to 30% vs individual).

Health care sharing contributions are not considered insurance premiums and are typically not tax-deductible as medical expenses. However, you should consult a tax professional for advice specific to your situation.