A health share is a membership based, nonprofit community where people contribute monthly to help share each other’s eligible medical expenses. Zion HealthShare is not insurance.

The Initial Unshareable Amount (IUA) is the portion of eligible medical expenses a household is responsible for before sharing begins. Members select a Household IUA option of $1,000, $2,500, or $5,000. To help protect against high costs, each household is responsible for no more than three IUAs in any rolling 12-month period. 

You can pay your IUA either to your provider or to Zion HealthShare directly after your sharing request has been determined eligible for sharing and within six (6) months of the date of service. When paying your provider directly, be sure to keep your receipts and submit them through your Member Portal. If you would like to pay your IUA to Zion HealthShare, contact Member Support. 

Zion HealthShare directly administers the sharing of eligible medical expenses in many ways, including mailing a check, ACH transfer, or virtual card payment. When a sharing request is determined eligible for sharing and the Initial Unshareable Amount (IUA) is met, Zion HealthShare coordinates payments to healthcare providers or reimburses members for eligible expenses. Members also benefit from cash pay discounts from providers, which significantly reduces costs compared to traditional insurance, making care more affordable.

Open a Sharing Request through your Member Portal and check the box requesting assistance in locating a provider for the service. Our team can then assist in identifying a fair-cost provider in your area and making prepayments.  

A pre-membership medical condition is anything where a member has experienced one or more of the following been examined, diagnosed, taken medication, had symptoms, a personal history of or known increased risk of conditions that may arise or worsen in pregnancy, or received medical treatment within the 24 months prior to membership are subject to a phase-in period before becoming eligible for sharing. Exceptions apply for well-controlled conditions such as high blood pressure, high cholesterol, and diabetes, provided these have not resulted in hospitalization in the 12 months prior to membership. The pre-membership condition may also qualify for Additional Giving in your first year of membership. 

No. Zion HealthShare is a nonprofit organization made of individuals who share into each other’s eligible medical expenses. All sharing between members is done so through voluntary monthly contributions and not by Zion HealthShare itself. The limited funding available to share between members is only received through voluntary giving. 

Yes! Please reach out to our company sales team or visit https://zionhealthshare.org/memberships/essential/ to learn more. 

All members can access discounted prescriptions from any participating pharmacy through Zion RxShare powered by Rx Valet. Additional Rx Sharing is included in the Direct Membership and may be added to a Companies & Organizations membership. For more detailed information, please refer to the Additional Services page.  

Please consult with your accountant, tax/financial advisor, account custodian, or applicable representative if you have any questions about the use of your HSA/HRA/FSA account for qualified medical expenses. 

Zion HealthShare prioritizes quickly sharing into medical expenses. With proper documentation, sharing can occur in as quickly as 2-5 weeks. To help expedite the process, after you've submitted your sharing request through the Member Portal, please be aware that you may also be requested to sign a HIPAA Authorization Form. This provides Zion HealthShare with the ability to request applicable medical records and information related to your sharing request. 

Emergency or urgent care expenses incurred outside the United States or Puerto Rico may be eligible for sharing, subject to the Member Guidelines. 

In 2024, Zion HealthShare facilitated millions of dollars in shared medical expenses, directly supporting members in managing their healthcare costs. These shared expenses include a wide range of services such as maternity care, hospitalizations, surgeries, and preventive care. Please see below for a closer look at how the community's contributions were shared. 

Yes! Zion HealthShare is a flexible option for businesses of any size. Participation is voluntary and Employers may choose whether or not to contribute toward employee membership contributions.

Zion HealthShare is not ACA compliant. It is a nonprofit, community based alternative to traditional insurance.

A minimum of two participating households is required to enroll a company with Zion HealthShare. No additional participation minimums apply.

Businesses can easily enroll by scheduling a call with our team. We’ll guide you through the process and help your employees understand how to join the Zion HealthShare community.

Businesses value Zion HealthShare’s affordability, flexibility, and simplicity. Key advantages include: No required employer contributions, no minimum participation beyond two households, no network restrictions, open to businesses of all types, and employees may join or leave at any time.