OneShare Health Review
Sharing health costs as one community
Last verified: March 1, 2026
Our Verdict
OneShare Health is a Christian health sharing ministry that offers a range of programs from basic catastrophic coverage to comprehensive sharing. Their tiered approach — Classic, Complete, and Crown — makes it easy to find the right level of coverage. OneShare uses the First Health PPO network and includes telemedicine and prescription discount programs with all memberships.
👥 Who OneShare Health is Best For
- Tiered Options
- Individuals
- Christian Community
Rating Breakdown
Pricing & Costs
Classic, Complete, and Crown tiers from $115/mo to $1,750/mo
Coverage Details
| Maternity | ✓ | Available on Complete and Crown programs after waiting period |
| Mental Health | ✓ | Inpatient mental health eligible on higher tiers |
| Telemedicine | ✓ | Included |
| Prescriptions | ✓ | Prescription discount card included with all memberships |
| Preventive Care | ✓ | Annual wellness exam included on Complete and Crown |
| Dental & Vision | ✗ | Discount programs available for dental and vision |
Network & Requirements
Network Type
PPO Network
First Health PPO
Religious Requirement
Yes
Must affirm Christian beliefs and agree to Statement of Standards
Waiting Period
None
Pre-Existing Conditions
24-month waiting period
Pros & Cons
👍 Pros
- Clear tiered structure makes choosing easy
- First Health PPO network for provider access
- Telemedicine included with all memberships
- Prescription discount program included
👎 Cons
- Christian faith requirement for membership
- 24-month pre-existing condition waiting period
- Lower sharing limits on basic Classic plan
- Relatively newer ministry
📋 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: $1,000–$7,500.
- Submit Bills: Send your eligible medical bills to OneShare Health via their online portal or mobile app.
- Review Process: OneShare Health 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
OneShare Health has a 24-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 24 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 OneShare Health?
Visit their website to see current pricing for your household and get started.
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