MEDICAL SHARING PLANS

    Part of my job is to help you understand what all of your healthcare options are.  If you find health insurance unaffordable, the least expensive solution is Short Term Medical insurance, which I highlight on my STM web page. 

SHORT TERM MEDICAL PAGE

Last year when I was 56, I had Short Term medical insurance the entire year and paid about $300 per month.  I also had the stand-alone Accident plan highlighted on this website.   

Another alternative to going without insurance is to consider a health-sharing organization.   

   It is important to understand that these programs are not insurance.   In short these non-profit organizations pool members monthly contributions (like premiums) each month to pay members medical bills, in an organized way, following their outlined policies and program limitations.   Each organization works differently.   

   There is a web site that compares 11 different health-sharing organizations.  I do not endorse or recommend this website--it is for informational purposes only and may include bias.

 HEALTH SHARING PLANS COMPARED

   In 2025 I personally enrolled in the MediShare program.   I selected this program because they have been sharing medical bills since 1993, which is a long track record.   I never had a major claim during that time, which I am thankful for.

Page updated 11/14/25