Solidarity HealthShare Review
Catholic health sharing rooted in community
Last verified: March 1, 2026
Our Verdict
Solidarity HealthShare is a Catholic-inspired health sharing ministry that operates according to the ethical and religious directives of the Catholic Church. It is the go-to option for Catholic families who want health sharing aligned with their values. Solidarity uses the PHCS/MultiPlan PPO network and offers competitive sharing amounts with strong community support.
👥 Who Solidarity HealthShare is Best For
- Catholic Families
- Faith-Aligned Values
- Community Support
Rating Breakdown
Pricing & Costs
Plans from $92/mo to $968/mo based on household and coverage level
Coverage Details
| Maternity | ✓ | Covered for married members (aligned with Catholic teaching) |
| Mental Health | ✓ | Limited mental health sharing available |
| Telemedicine | ✓ | Included |
| Prescriptions | ✓ | Eligible when related to shareable medical needs |
| Preventive Care | ✓ | Annual physical sharing included on most programs |
| Dental & Vision | ✗ | Not included; discount programs available |
Network & Requirements
Network Type
PPO Network
PHCS/MultiPlan
Religious Requirement
Yes
Must agree to Catholic ethical and religious directives
Waiting Period
None
Pre-Existing Conditions
24-month waiting period
Pros & Cons
👍 Pros
- Only major Catholic-aligned health sharing option
- Strong PPO network for provider access
- Maternity coverage aligned with Catholic values
- Dedicated community support and resources
👎 Cons
- Catholic ethical requirements limit some coverage
- 24-month pre-existing condition waiting period
- Smaller membership community
- Less flexible for non-Catholic members
📋 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: $750–$5,000.
- Submit Bills: Send your eligible medical bills to Solidarity HealthShare via their online portal or mobile app.
- Review Process: Solidarity 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
Solidarity HealthShare 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 Solidarity HealthShare?
Visit their website to see current pricing for your household and get started.
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