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.
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.
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.
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.