What is Zion HealthShare
*Official Member Guideline
Medical cost sharing organizations, also known as HealthShares, began in the 1980s when a beloved pastor in Ohio was involved in a terrible automobile accident. His congregation came together to pay his medical bills—in full, in just forty-five days. This same community decided to continue following the biblical mandate to “bear one another’s burdens” by sharing healthcare costs in a simple yet practical way.
Members of HealthShares across the country share one another’s medical expenses in a similar fashion. This system has proven to be an effective alternative to traditional health insurance. Members enjoy the freedom, stability, and flexibility of medical cost sharing while keeping more money in their own pockets.
Zion HealthShare began facilitating medical cost sharing with its members in 2019 and has since become the fastest-growing, top-rated HealthShare in the nation. Learning from the organizations that came before, Zion HealthShare was founded with the mission to reimagine what medical cost sharing could be and better serve member needs amid the rapidly changing environment of American healthcare.
Our Mission
As a nonprofit, we are redefining healthcare through an affordable, community driven alternative to traditional health insurance. We provide a transparent, flexible approach to medical cost sharing, free from network restrictions, religious
requirements, and enrollment limitations. Rooted in simplicity and compassion, our mission is to ensure members can access the care they need with the support of a reliable community.
Our Values
Focus on Community
We stand together in solidarity, fostering a reliable and steadfast community our members can always count on.
Culture of Transparency
We are committed to honesty and accountability, ensuring responsible stewardship of our shared resources.
Service with Compassion
We nurture a welcoming and supportive community, serving every member with empathy and respect.
Guided by Simplicity
We make health sharing accessible and understandable, providing a straightforward membership experience.
Member Guideline Notice
Notice
Please note all article sections formatted like this are official member guidelines and will be marked “*Official Member Guideline” when applicable. Anything else is simply helpful information to assist you in understanding the member guidelines and how to use your Zion HealthShare Membership.
Members who call the Zion HealthShare office asking about eligibility of medical expenses will be given an opinion, not a decision. Sharing Requests and medical expenses cannot be authorized over the phone. For more information on submitting bills to Zion HealthShare, review the Member Guidelines or login to your Member Portal.
These guidelines are effective as of April 1, 2025.
Note
The Member Guidelines that go into effect April 1, 2025, will only be applicable to sharing requests that are submitted on or after that date. If a sharing request was submitted prior to April 1, 2025, the sharing request will be reviewed for sharing eligibility according to the Member Guidelines in effect at that time.
Zion HealthShare is not an insurance company. Neither this publication nor membership in Zion HealthShare are offered by an insurance company. Visit ZionHealthShare.org to view your state-specific notice.