Health Sharing

Affordable Healthcare Coverage Plans

Update! A new online tool is now available to help you determine if a Health Care Sharing Ministry is right for you. Take a look at

A lot of people get their health insurance from their provider, but it’s becoming more and more common for people to shop for their health plan on the private market.

For some people, there are key advantages to personal health coverage opposed to employer-sponsored health plans. Namely, the larger number of options sometimes available make it easier to select the plan that is going to give you the best coverage.

But, whether you are an individual, have a family, are self-employed, a student or are just looking for the most affordable plan for your unique needs, you should consider a health sharing ministry.

These plans are not insurance. However, they behave similarly. Be prepared for different verbiage on the plan descriptions. These plans are not “ACA-Compliant,” they are “ACA Exempt.” That means as a member of a health share, you are exempt from the Individual Mandate penalty. Since your monthly obligation is a membership fee¬†and not an insurance premium, there are no additional taxes on your monthly cost, making these plans even more affordable.

These plans are not for everyone. It is strongly encouraged that you speak with me for a consultation before enrolling in a health sharing ministry.

Types of Health Sharing Plans

Catastrophic Coverage

Catastrophic Care is best suited for those who are primarily healthy and looking to provide security to their family knowing they are covered for catastrophic hospitalization events or needs. Plans starting at $125.00/mo!

Standard Coverage (Popular!)

Recommended for individuals and families who are primarily healthy and whose main concern is preventive services and basic medical needs. Also as coverage for catastrophic care.

Comprehensive Coverage

Designed for those who want comprehensive healthcare coverage similiar to traditional insurance plans and are seeking affordable alternatives to major medical insurance. From the doctor’s office to the operating room, comprehensive medical benefits are there when you need them most.

Short Term Coverage

Short Term Coverage is a great option for those in-between medical plans. They are designed to cover you and your family’s healthcare expenses during a transition.

Jack Palmer, Agent

CDI Lic # 0L77346
AHIP Certified
Covered California Certified




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