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2027 Membership Rates

Find Your Rate in Minutes

All rates below are monthly contributions for 2027. Select your IUA, find your age band and membership tier, then enroll in minutes.

Step 1 — Choose Your Membership Type
Step 2 — Choose Your IUA (Initial Unshareable Amount)
The IUA (Initial Unshareable Amount) is the amount you are personally responsible for before the community may share eligible medical costs. Lower IUA = higher monthly contribution.

Rates may vary slightly for households with tobacco or cannabis users, as with most health-sharing memberships.

Step 3 — Find Your Monthly Rate
Direct Membership — $2,500 IUA
Monthly contributions — all rates are per household, per month
Membership TierAge 18–29Age 30–39Age 40–49Age 50–64
Member Only$172/mo$216/mo$226/mo$304/mo
Member + Spouse$315/mo$394/mo$422/mo$512/mo
Member + Children$324/mo$409/mo$434/mo$521/mo
Member + Family$482/mo$545/mo$608/mo$765/mo

* The Initial Unshareable Amount (IUA) is the amount a member pays before expenses related to an eligible medical need are shared by the community. Household memberships will not be responsible for more than three (3) IUAs in a rolling 12-month period. After that, additional eligible sharing requests above $500 have no further IUA responsibility. For maternity sharing requests, the $1,250 and $2,500 household IUA choices use a standard $2,500 IUA; the $5,000 IUA remains $5,000.

2027 maternity note: Home births and birthing-center care are generally eligible for sharing after the household IUA, with a $9,000 sharing maximum. If care is co-managed with a physician, complications arise, or delivery occurs in a hospital, the standard maternity IUA applies. Review the current Member Guidelines for full eligibility details.

What's Included in Each Plan

Direct Membership — All Included
  • Major medical cost sharing
  • Preventive care (up to $175/member/year)
  • Well-child visits included
  • 24/7 virtual care / telehealth
  • Rx Share prescription program
  • Mental-health resources through Primestin Care
  • Freedom to use any licensed provider
  • No annual or lifetime caps on sharing
Essential Membership — Base + Add-Ons
  • Major medical cost sharing
  • Freedom to use any licensed provider
  • No annual or lifetime caps
  • Optional: Preventive Care add-on
  • Optional: Rx Share add-on
  • Optional: Virtual Care add-on
  • Designed for organizations & employers
  • Available exclusively through our organization

Ready to Enroll?

Joining takes minutes. No open enrollment period — you can apply any time. Your membership begins quickly after approval.

No obligation · No sales pressure · Questions? Email eric@whatishealthshare.com

Personalized Estimate Review

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Typical response: within one business day. No bots or call centers—Eric personally reviews every inquiry.

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This website is an independent educational resource operated by Eric Baird, an independent representative of Zion HealthShare (Affiliate Code: 170039). HealthShare programs are not insurance and are not regulated by state insurance departments. Sharing of medical costs is not guaranteed. Information provided is for educational purposes only. Always review the official Member Guidelines before enrolling.

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