Altrua HealthShare Review
Health sharing with heart
Last verified: March 1, 2026
Our Verdict
Altrua HealthShare is a non-profit health sharing organization open to anyone regardless of religious affiliation. They offer multiple program levels and use the PHCS/MultiPlan PPO network. Altrua focuses on making health sharing accessible and simple, with a straightforward membership process and responsive customer support.
👥 Who Altrua HealthShare is Best For
- Value Seekers
- Non-Religious
- Accessible Plans
Rating Breakdown
Pricing & Costs
Plans from $136/mo to $1,424/mo based on tier, age, and household
Coverage Details
| Maternity | ✓ | Eligible on higher-tier programs after waiting period |
| Mental Health | ✓ | Outpatient mental health eligible on select programs |
| Telemedicine | ✓ | Included |
| Prescriptions | ✓ | Prescription discount program included |
| Preventive Care | ✓ | Wellness benefits included on most programs |
| Dental & Vision | ✗ | Discount programs available separately |
Network & Requirements
Network Type
PPO Network
PHCS/MultiPlan
Religious Requirement
No
No religious requirements open to all
Waiting Period
30 days
Pre-Existing Conditions
12-month waiting period
Pros & Cons
👍 Pros
- No religious requirements to join
- Competitive pricing starting at $136/mo
- PPO network access for discounted rates
- Responsive customer support team
👎 Cons
- 30-day initial waiting period for new members
- Smaller organization with less brand recognition
- Fewer member resources compared to larger ministries
- Limited mental health coverage details
📋 How the Claims Process Works
- Receive Medical Care: Visit any provider (check network for discounted rates). Pay your provider directly.
- Pay Your IUA: Cover your Initial Unshareable Amount (deductible) out-of-pocket first: $500–$5,000.
- Submit Bills: Send your eligible medical bills to Altrua HealthShare via their online portal or mobile app.
- Review Process: Altrua HealthShare reviews your bills for eligibility based on program guidelines (typically 15-30 days).
- Community Shares: If approved, the community shares (pays) your eligible medical expenses up to Up to $1,000,000 per incident per incident.
Important: Health sharing is not insurance. There are no legal guarantees that your bills will be paid. Sharing is based on program guidelines and community participation.
⏳ Pre-Existing Conditions Policy
Altrua HealthShare has a 12-month waiting period for pre-existing conditions. This means:
- Waiting period: Medical expenses related to pre-existing conditions are not eligible for sharing during the first 12 months of membership.
- After waiting period: Once the waiting period is complete, eligible expenses related to pre-existing conditions may be shared according to program guidelines.
- What qualifies: A pre-existing condition is any illness, injury, or medical condition for which you received treatment, diagnosis, or advice in the 12 months before joining.
This is standard across most health sharing programs and differs significantly from ACA-compliant insurance, which must cover pre-existing conditions immediately.
Ready to Join Altrua HealthShare?
Visit their website to see current pricing for your household and get started.
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