You want year-round access
Membership enrollment is available outside the ACA open-enrollment calendar. No qualifying life event is required.
Year-round health care sharing
A faith-based way to handle medical costs.
Explore OneShare Health membership programs for individuals and families. Compare your options with an independent producer, or continue directly to a self-enrollment quote.
No open-enrollment window. New members may join 365 days a year in eligible states.
982,000+First Health Network providers
365 daysYear-round enrollment
18–64Eligible member age range
Independent helpTalk directly with Ethan
Is health care sharing a reasonable fit?
OneShare is different from insurance. It may be worth exploring when the faith commitment and sharing rules match what you want.
You are self-employed or between plans
Programs are available for individuals and families who need another way to manage eligible medical expenses.
You share the ministry's beliefs
All members must agree to OneShare's Statement of Beliefs and understand that sharing is voluntary, not guaranteed.
Three ways to structure your membership
The right choice depends on whether you want help with routine visits or mainly want sharing eligibility for larger, unexpected events.
Classic
Three tiers for members who want routine physician services plus sharing eligibility for major medical events.
- ISA choices
- $5k / $7.5k / $10k
- Per-incident maximum
- $150k–$500k
- Lifetime maximum
- $1 million
- $0 Virtual Urgent Care
- Primary care and urgent-care visits by tier
- Preventive services after the waiting period
- Specialist and maternity sharing on Crown only
Catastrophic
Built around emergency care, surgery, hospitalization, and related eligible services after the ISA.
- ISA choices
- $5k / $10k
- Per-incident maximum
- $150k–$500k
- Lifetime maximum
- $300k–$1M
- $0 Virtual Urgent Care
- $500 ER Visit Fee under $10,000
- Hospitalization and surgery after ISA
- No routine primary care, preventive, or maternity sharing
Catastrophic365
A one-Program-Year option with the same major-event structure shown in the Catastrophic brochure.
- ISA choices
- $5k / $10k
- Per-incident maximum
- $150k–$500k
- Lifetime maximum
- $300k–$1M
- $0 Virtual Urgent Care
- Emergency and hospital event focus
- Expires at the end of one Program Year
- No routine primary care, preventive, or maternity sharing
Waiting periods, pre-existing-condition limitations, service-specific limits, ISA rules, and Visit Fees apply. Sharing maximums are per member. Exact availability and Monthly Contributions are confirmed during the official quote.
How OneShare works
Members contribute monthly. OneShare facilitates the sharing of eligible medical bills among the membership.
1
Choose a membership program
Review the Monthly Contribution, Individual Sharing Amount, limits, services, and waiting periods.
2
Use an accommodating provider
Present your member ID card. First Health Network providers can submit medical bills to OneShare.
3
Eligible bills are considered for sharing
OneShare determines sharing eligibility and sends an Explanation of Sharing.
Useful services beyond a major medical event
Every program includes practical member resources. Some are sharing features; others are separate discount or virtual-care services.
Virtual Urgent Care
Board-certified providers are available 24/7/365 through Clever Health for non-emergency concerns, with a $0 Visit Fee and 100% sharing.
Prescription savings
Compare prices through Rx Valet, Clever Rx, and WellCard Savings. Rx Valet includes an Acute Medication Program for selected prescriptions.
Provider support
Use the First Health provider locator before scheduling. Network providers generally mean faster processing and less balance-billing risk.
Mental wellness
Clever Health provides mental-wellness tools, peer support, and access to licensed professionals. Pricing varies by service.
Clever Health, Rx Valet, Clever Rx, and WellCard Savings are separate services and are not owned or operated by OneShare Health. Availability, pricing, formularies, and discounts vary by service and state. Discount services are not insurance.
What does the ISA mean?
The Individual Sharing Amount is the amount a member is responsible for before remaining eligible expenses from an incident may be shared. This example from the Member Welcome Kit illustrates a Classic membership with a $5,000 ISA.
Eligible expenses submitted$46,200
Member's selected ISA− $5,000
Remaining amount considered for sharing$41,200
Illustration only. Actual sharing depends on the Membership Guidelines, waiting periods, eligibility, program limits, provider pricing, and the facts of the medical event. It is not a promise of payment.
Independent producer support
Get a clear answer before you enroll.
Tell Ethan what you need. He will help you understand whether OneShare is appropriate, explain the program terminology, and point you to the official enrollment flow.
01Discuss your household, state, budget, doctors, and expected health care use.
02Review the sharing rules, fees, waiting periods, and program limits before deciding.
03Enroll through Ethan's official OneShare producer link if the program fits.
Read the official member materials
Review the detailed program charts and member resources before deciding. Ethan can walk through anything that is unclear.
Questions before enrolling
Is OneShare Health insurance?
No. OneShare Health is a religious Health Care Sharing Ministry. Members voluntarily share eligible medical expenses, and no payment is guaranteed.
Can I enroll whenever I need it?
OneShare accepts new members throughout the year in eligible states. Active-date rules and state restrictions apply.
Can I see my current doctor?
Members have access to the First Health Network and may use accommodating providers outside it. Confirm your provider before joining because provider participation, negotiated pricing, and balance-billing risk can vary.
What happens with pre-existing conditions?
Waiting periods and sharing limits apply. Review the current program guidelines and Eligible Sharing Descriptions and Limits before enrolling.
Where can Ethan assist with enrollment?
This page currently accepts requests from Georgia, North Carolina, Ohio, Oregon, South Carolina, Texas, and Virginia. Florida residents must enroll directly with OneShare Health rather than through a third-party producer.