A Better Healthcare Solution

With a Zion HealthShare membership, you know you’re offering the best to your employees. As the #1 rated healthshare membership in America*, Zion HealthShare offers memberships you can customize for your individual health needs.

*Zion HealthShare is not currently available in Washington

How Does Zion HealthShare Work?

  • When members require medical treatment, they are responsible for an initial unshareable amount (IUA) of $1000, $2500, or $5000.
  • After the member pays their IUA, the rest of their eligible medical expenses related to the treatment are shared with the Zion HealthShare community.
  • Members are responsible for a maximum of 3 IUAs per rolling 12-month period.


Why Choose Zion HealthShare?

Zion HealthShare accepts members regardless of their religion or beliefs.

Visit any provider regardless of network —keep your doctor!

Zion HealthShare shares into acute medical costs incurred outside the United States.

Therapeutic treatments are considered.

No annual or lifetime sharing caps.

End of life assistance up to $10,000.

How Does My IUA Work?

  • Every member has an initial unshareable amount, or IUA, that they choose when they register. This amount is how much you as a member are responsible for paying when you incur medical expenses.
  • When your medical expenses rise above the threshold of your IUA, your medical costs become eligible for sharing with the community.
  • After your IUA is paid, the Zion HealthShare community shares your eligible expenses. There is no maximum amount on what can be shared per medical need request. Pre-membership medical conditions have a phase-in period wherein sharing is limited.
  • All medical expenses related to the same condition are counted toward the IUA. Once your IUA is met, you do not have to pay anything toward that medical sharing request again-that means no copayments for follow-up visits, no IUA resets at the beginning of the year, and no additional IUA for complications that arise out of your initial medical sharing request.
  • Some treatments may continue for years, while others may be resolved quickly. Medical sharing requests are closed after 12 months without treatment.

The IUA saves members money over conventional insurance when unexpected medical events occur. Let’s look at the example of a broken ankle with Zion HealthShare and a conventional insurance plan.

Why Does Zion HealthShare Have an IUA?

The IUA gives each member a personal responsibility for their health without overburdening them for their healthcare expenses. The IUA also helps Zion HealthShare keep member contributions low for everyone.

What if I Have a Medical Expense That Doesn't Meet My Iua Threshold?

Smaller expenses below the IUA are a member’s responsibility. Zion HealthShare is happy to help you search fair prices for your medical services and help you save.

What Happens if I Have a Lot of Medical Sharing Requests in One Year?

Zion Healthshare doesn’t want any member to bear more of a burden than they can manage. That’s why each household will pay a maximum of 3 IUAs in any 12-month rolling period. After the third IUA is paid, new medical sharing requests will not be subject to the IUA until 12 months have passed since the first need was opened. If a household has paid three IUAs in a 12- month period, any additional shareable expenses of $500 or more will be shared in full with no IUA responsibility.

IUA Features

You choose your IUA amount: $1000, $2500, or $5000.

Pay a single IUA for all eligible expenses related to a medical need request. Your IUA does not reset at the beginning of the year.

Each household is responsible for a maximum of 3 IUAs in any 12- month rolling period.

Pre-Membership Medical Conditions

To keep membership contributions low for all members, we implement a waiting period for sharing of medical conditions that existed prior to a member’s membership start date. We call such medical conditions: pre-membership medical conditions. This section defines pre-membership medical conditions and outlines related sharing limitations.

A pre-membership medical condition is anything for which a member has

– been examined,
– been diagnosed,
– taken medication,
– had symptoms, or
– received medical treatment

within the 24 months prior to their membership start date. Sharing requests related to pre-membership medical conditions are only shareable if the condition was regarded as cured and did not require treatment or present symptoms for 24 months prior to the membership start date.

Pre-membership medical conditions have a phase-in period wherein sharing is limited. Starting from the membership start date, there is a one-year waiting period before pre-membership medical conditions are shareable. After the waiting period, the shareable amount increases with each membership year.

Shareable amounts for pre-membership medical conditions:

– Year One: $0 (waiting period)
– Year Two: $25,000 maximum per sharing request
– Year Three: $50,000 maximum per sharing request
– Year Four: $125,000 maximum per sharing request

After four years of membership, expenses related to pre-membership medical conditions will be shareable up to a maximum of $125,000 in a 12-month period. The shareable maximum resets each membership year.

High blood pressure, high cholesterol, and diabetes (types 1 and 2) are not considered pre-membership medical conditions as long as

1. the member has not been hospitalized for the condition in the 12 months prior to joining, and
2. the member is able to control the condition through medication or diet.

How much will Zion HealthShare share in pre-membership conditions?

Pre-membership medical conditions have a phase-in period wherein sharing is limited, beginning with a one year waiting period. These conditions become eligible for sharing in greater amounts with each consecutive year of membership until the fourth year.

First Year Not shareable
Second Year $25,000 shareable per medical sharing request
Third Year $50,000 shareable per medical sharing request
Fourth Year + $125,000 shareable per medical sharing request

This shareable amount resets every 12 months per medical need request, so we can take care of members with chronic conditions too!

Read complete membership guidelines here.

Exploring Your Options? Please feel free to check out our primary care, preventative care, and larger medical expense memberships.