Zion Health Review
Health sharing without religious requirements
Last verified: March 1, 2026
Our Verdict
Zion Health is a newer health sharing organization that stands out by not requiring religious affiliation. Anyone can join regardless of faith background. They use the PHCS/MultiPlan PPO network for negotiated rates and offer a straightforward membership structure. Zion Health is ideal for those who want the cost benefits of health sharing without faith-based lifestyle requirements.
👥 Who Zion Health is Best For
- No Religious Requirement
- Any Provider Access
- Modern Experience
Rating Breakdown
Pricing & Costs
Plans from $114/mo to $899/mo based on age and household
Coverage Details
| Maternity | ✓ | Available after 12-month membership period |
| Mental Health | ✓ | Outpatient mental health sharing available |
| Telemedicine | ✓ | Included |
| Prescriptions | ✓ | Prescription discount program included |
| Preventive Care | ✓ | Annual wellness sharing included |
| Dental & Vision | ✗ | Add-on programs available |
Network & Requirements
Network Type
Any Provider
No network restrictions — use any doctor or hospital
Religious Requirement
No
No religious affiliation or lifestyle requirements
Waiting Period
30 days
Pre-Existing Conditions
12-month waiting period
Pros & Cons
👍 Pros
- No faith or religious lifestyle requirements
- Use any provider with no network restrictions
- Includes telemedicine and mental health
- Shorter pre-existing condition waiting period
👎 Cons
- Newer organization with less track record
- 30-day initial waiting period for new members
- Smaller member community than established ministries
- Less community/fellowship aspect
📋 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–$5,000.
- Submit Bills: Send your eligible medical bills to Zion Health via their online portal or mobile app.
- Review Process: Zion 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
Zion Health 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 Zion Health?
Visit their website to see current pricing for your household and get started.
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