APPLY for OneShare health sharing plans


For mobile quoting, click HERE Health sharing is NOT health insurance.


Why the Religious Language? California banned short term health plans. The only option we have that can start mid-month (as early as midnight following enrollment) is a health sharing plan. These were created as an exemption to the ACA (Affordable Care Act) on a religious basis. This is the only way they're able to exist outside of ACA plans. OneShare is the most flexible in terms of requirements.


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Frequently Asked Questions
▸ Is OneShare a health insurance plan?
No - health sharing plans like OneShare are not health insurance. They operate as a cost-sharing arrangement among members and exist as a religious exemption to ACA requirements, which means they are not regulated the same way traditional insurance is.
▸ Can a health sharing plan start mid-month in California?
Health sharing plans like OneShare can generally start very quickly - sometimes as early as midnight following enrollment - making them one of the few options in California that offer mid-month coverage start dates. Traditional ACA-compliant plans typically start on the 1st of a month.
▸ Why does OneShare use religious language in its plan documents?
Health sharing plans were created as a religious exemption to the Affordable Care Act, which is the only legal basis allowing them to operate outside of ACA rules. The religious framework is a structural requirement, not optional language.
▸ Why are short-term health plans not available in California?
California has banned short-term health plans, leaving health sharing plans as one of the few flexible, non-ACA alternatives available to Californians who need coverage outside standard open enrollment. Speaking with a licensed agent can help you weigh your options.
▸ How does a health sharing plan compare to a Covered California plan?
Covered California plans are ACA-compliant insurance with standardized benefits, potential premium subsidies, and state consumer protections - health sharing plans offer more enrollment flexibility but fewer regulatory protections and are not insurance. You can get a Covered California quote to compare your options side by side.
The answers above are general information about California health insurance and may change as rates, plans, and rules are updated each year. They are not a substitute for personalized advice. For current, personalized guidance, please contact us, email help@calhealth.net, or call 800-320-6269. Serving California since 1994.



Important Update on OneShare


OneShare has recently been accredited by The Healthcare Sharing Accreditation Board. The Healthcare Sharing Accreditation Board is an independent entity formed to review the operations of ministries to determine if they meet the highest standards. They review everything in the organization: member communications, guidelines, financials, governing documents, etc. They ensure that the ministry meets all of their core tenets and then grant accreditation if they do. OneShare Health is only the third ministry to get the accreditation. https://hcsab.org/

Additionally, to date (Jan 2026) they have shared almost 280 million dollars ( $279.212,555 to be exact). In the last 12 months they have received $47,564,074 in member contributions and have shared $21,008,250 in medical bills.

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In California, this is one of the few options we have for coverage that can start midnight following enrollment.