A plain-language guide for pastors and church leaders.
Think of it like a barn raising. A family can’t build a barn alone, but the community working together can build it in a day. Health care sharing works the same way — the burden of medical costs is carried together, not alone.
“And let us consider how we may spur one another on toward love and good deeds, not giving up meeting together, as some are in the habit of doing, but encouraging one another.”
HEBREWS 10:24-25
A family visits our website or calls us. We help them choose the right program tier (Foundational, Essential, or Complete) based on their needs and budget. They sign a statement of faith and agree to our sharing guidelines.
Each month, the family contributes a set amount — starting at $79/month for an individual or $99/month for a family on our Essential program. This is not a premium; it’s a share toward the community’s medical needs.
There are no networks. Members see the doctors they trust at the facilities they prefer. They negotiate cash-pay rates where possible (often far lower than insurance rates) and submit their medical bills to us for sharing.
The family submits their medical bills. We review them against our sharing guidelines and share the eligible amount from the community’s contributions. The family receives the funds and pays their provider.
Every shared need is accompanied by prayer and personal support. Our team prays with and for our members. That’s not a tagline — it’s who we are as a ministry.
We believe in being honest with families. Health care sharing is a powerful, affordable alternative — but it works differently from insurance, and families should understand those differences before joining. That’s why we’re here to answer questions, not just sign people up.
If you’d like a deeper walkthrough — for yourself, your elder board, or your congregation — we’re happy to arrange it.
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