MEDICAL SHARING PLANS

    2027 looks pretty grim for individual health plans in Oregon.    Rates are increasing 15-20% and the plan choices are offered from 3 companies only:   Moda, Regence and Kaiser.   Some heathier people are considering going without insurance.  Another option is to consider a non-insurance Medical Sharing program.   Some require you to agree with their spiritual guidelines and I offer on this page a plan that does not--Zion HealthShare and is available to anyone

 MEDICAL SHARING PLANS   

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.  Each organization deems what health conditions they consider 'sharable' according to 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.   I hope you find this helpful to finding an affordable health plan for you through a sharing ministry.  Read the fine-print carefully and  be sure you understand how your program works should you sign up.

http://healthsharingguide.org

  The 3rd lower cost alternative to the ExploreHealth Marketplace plans is Short Term Medical insurance.    As a 58 year old, I did a year of Short Term Medical coverage this year and paid about $250-300 per month.    It worked for me as a healthy person.   Look to my STM web page for more information.

Page updated 11/14/25