Washington · Health sharing

Health sharing in Washington

Looking for health sharing plans in Washington? Here is how this coverage lane works specifically for Washington residents, what it costs, and how to get it.

Get matched in Washington Washington dates

Facts on this page checked Jan 15, 2026. Sources are listed at the end.

How it works here

Health sharing, explained for Washington.

Health care sharing is available to Washington residents nationwide, since sharing memberships are not tied to state insurance markets. Members pay a monthly share and eligible bills are paid from a community pool.

Health sharing is NOT insurance. It does not guarantee payment, is not regulated as insurance in Washington or anywhere else, and typically limits pre-existing conditions. It can lower monthly costs for healthy Washington residents who do not qualify for ACA subsidies, but it carries real risk.

If you have an ongoing condition or expect significant care, a comprehensive Washington Marketplace plan is usually the safer path.

Sharing is not insurance. See ACA Marketplace vs health sharing.

Washington facts

Marketplace: Washington Healthplanfinder
Medicaid expansion: Adopted
Uninsured rate: ~6.0%

Side by side

What’s available in Washington.

Real insurance comes first: a Marketplace plan covers pre-existing conditions and may come with help paying. Health-sharing programs are memberships, not insurance. Programs that do not accept Washington residents are left out.

Options in Washington, in our published ranking order for someone who has only told us their state. Facts as of each company’s published terms.
Company	Type	Faith test	Price from (one person)	You pay first	Pre-existing	Where
ACA Marketplace planListed — no business relationship	Insurance (ACA)	No	Quote / variesas of 2026-10-15	Deductible and a yearly out-of-pocket maximum set by the plan.	Covered from day one. Insurers cannot deny you or charge more for a condition.	All states
Samaritan MinistriesListed — no business relationship	Health care sharing ministry	Statement of faith, regular church attendance and pastor verification.	$98/moas of 2026-08-01	Classic $1,000 per need; Basic $2,000 then 90% sharing.	Eligible after 12 months without symptoms; 5 years for cancer and heart conditions. Type 1 diabetes is not eligible.	All states
Christian Healthcare MinistriesListed — no business relationship	Health care sharing ministry	Christian statement of beliefs and regular worship.	$115/moas of 2026-10-15	$1,250 (Gold) to $6,000 (Bronze) per incident. $125k per-illness cap without CHM Plus.	Active conditions not shared; clears after 1 year without symptoms (5 years for cancer).	All states
Altrua HealthShareListed — no business relationshipSee legal history	Sharing ministry (claims HCSM status)	Statement of Standards (biblical ethics); no creed to sign.	$136/moas of 2026-10-15	Member responsibility $500 to $7,500 (unverified).	2–5 years depending on program (unverified).	All states
Liberty HealthShareListed — no business relationshipSee legal history	Health care sharing ministry	Statement of beliefs acknowledging Jesus Christ.	$89/moas of 2026-10-15	Annual unshared amount $1k to $12k plus co-share, by program.	1-year wait; months 13–36 up to $50k; then unrestricted (Essential/Connect).	Not in NM
Direct Primary Care (DPC)Listed — no business relationship	Primary-care membership	No	$90/moas of 2026-10-15	n/a — covers primary care only, not hospital bills.	Primary care for existing conditions is included.	All states
CrowdHealthListed — no business relationshipSee legal history	Crowdfunding (not insurance)	No	$165/moas of 2026-10-15	$500 per event ($3,000 for pregnancy). Funding is not guaranteed.	Not fundable in years 1–2; up to $25k per year from year 3.	All states
Solidarity HealthShareListed — no business relationshipSee legal history	Catholic sharing ministry (claims HCSM status)	Statement of shared (Catholic) beliefs.	$72/moas of 2026-10-15	Annual unshared amount $3k–$12k (unverified).	24-month look-back (60 months for cancer); possible permanent waivers.	All states
Medi-ShareListed — no business relationshipSee legal history	Health care sharing ministry	Statement of faith; a church leader may be contacted.	Quote / variesas of 2025-10	Annual household portion $3k / $6k / $9k / $12k; no annual or lifetime limits.	Up to $100k per year after 36 months; $500k per year after 60 months.	All states

Open enrollment 2027

When Washington can enroll.

Most exchanges open: Nov 1, 2026
Most exchanges close: Jan 15, 2027
Washington Healthplanfinder dates: Set by the state; Confirm before you rely on a date

Washington runs its own exchange. We do not have a state-specific date on file. Confirm with Washington Healthplanfinder before you rely on a date. Outside this window, a qualifying life event (a move, a new baby, losing other coverage) can open a Special Enrollment Period.

Medicare is different.Medicare’s annual enrollment runs Oct 15 to Dec 7, 2026. For Medicare help, visit our sister site OLYRON Medicare or Medicare.gov.

Dates checked Oct 15, 2026. Sources: HealthCare.gov: dates and deadlines; CMS statement, Jul 27, 2026.

Other coverage in Washington.

Questions

Good questions, short answers.

Is health sharing legal in Washington?

Yes, health care sharing ministries operate nationwide including Washington, but they are not insurance and are not regulated as such. Read the guidelines carefully.

Does health sharing count as insurance in Washington?

No. It does not satisfy the definition of insurance and offers none of the ACA's legal protections, though it can still reduce monthly costs for the healthy.

Sources

KFF (Kaiser Family Foundation) — health policy research · reviewed 2026-01-15
OLYRON HealthMatch editorial methodology — how we source and rate options · reviewed 2026-01-15