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Medical cost sharing (not a ministry)

Zion HealthShare, in plain facts.

A non-denominational medical cost-sharing membership with flexible IUA tiers and no religious requirement. Not insurance; pre-existing conditions phase in under the guidelines.

  • Listed — no business relationship
  • Facts checked 2026-10-15

Not insurance

At a glance

Zion HealthShare

Listed — no business relationship
Medical cost sharing (not a ministry)Not insurance

Secular cost sharing with published prices. Not insurance and not a ministry.

Price
From $114/mo for one person. Family by quote. (as of 2026-10-15; source)
You pay first
IUA $1,250 / $2,500 / $5,000, up to 3 per rolling 12 months.
Pre-existing conditions
24-month look-back. Year 1 $0, year 2 $25k, year 3 $50k, year 4+ $125k. Controlled hypertension, cholesterol and diabetes are exempt.
Faith requirement
No faith requirement.
Where
Not open to new members in WA.

Legal history: 2023-12-19: Washington’s insurance regulator fined Zion HealthShare $50,000 and ordered it to stop selling unauthorized insurance. Upheld by the Washington Court of Appeals on 2026-02-05. Zion no longer enrolls in Washington. Source: Washington OIC. We show this because it may affect whether your bills are shared.

Not insurance. Payment of medical bills is not guaranteed. What that means

Visit Zion HealthShare site(opens in a new tab)

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Health sharing notice

Before you decide

See it next to the alternatives.

Every sharing program, ranked for youFilter by state, budget, faith and pre-existing conditions.Zion vs ACA MarketplaceCost, coverage and who each one fits, with sources.Health sharing vs insuranceThe seven differences that decide it.The full provider directoryEvery company, A to Z.

Profiles are editorial. We don’t publish ratings or reviews we can’t source. Prices and rules change: check the company’s current guidelines and, for insurance, a licensed advisor before you decide. Legal history is summarized from public records and linked to the source.

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