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Alternative to Obamacare  -    2018 Alieracare Rates

2017-18 AlieraCare rates


alieracare quotes and rates online  

You can access online application here:

Apply for Alieracare



Closest thing we have to secular or non-religious health sharing plans


How to Quote Aliera Care Plans

It's actually very easy.


Above are the rates by age and family make up.


It's very similar to large company rates where everyone shares rates regardless of area.


That can really help certain areas which typically have much higher rates.

Let's look at the components of the rates.

Age affect on Aliera Care Rates


This is pretty straight forward (for a change).


Take the oldest adult being covered as the basis for the rates for your plan of choice.


It might make sense to have two separate policies for adults with large age differences.


Run the numbers both ways to what works best.


Benefits are per person regardless so there's no downside there aside from the application fee which is a one time charge.

Your rate will change at time of birthday when you jump to a new age band.

Family make-up and Aliera Care Rates


You can then look at rates according to family make up.


Here are the main rating types by family make-up:

  • Single member
  • Member + 1 (use age of older spouse or can be single plus child)
  • Family (basically more than 2 people enrolling.  Eligible dependents are under age 20; or 20-26 if full time student


A few key notes.


Since it's a family rate, there may be even more savings with Aliera care versus other options depending on the size of your family.


An Aliera care will have the same rate for 1, 2, or 3 kids.


One adult with multiple children will have the Family rate.

For dependent children between age 20-26, expect to show proof of full-time status.

Rate changes for Aliera Care


There are two times that rates change.


Aliera care generally has an annual rate adjustment in September of each year.


This will apply immediately to all plans.


Also, if a person enters a new age band, their rate will go up with the birth date.

Area effect on Alieracare rates


The rates are the same across the U.S.!


This is very different and speaks to the fact that Aliera Care is a membership and NOT insurance.


You're essentially in a large pool of members that share health care costs across the entire membership (by age band and family type).


This can have a big effect if you're in a more expensive area.

It's akin to how large companies and government rates are based.

Aliera Care Plan Selection and Rates


There are essentially 9 options with AlieraCare.


We have 3 MSRA (Member Share Responsibility Amounts) which is similar to the deductible/max on health insurance plans:

  • $5000 MSRA
  • $7500 MSRA
  • $10000 MSRA


Keep in mind that AlieraCare and health sharing plans in general are NOT insurance.


You then have three plan types with Aliera Care:

  • Value
  • Plus
  • Premium


You can view the plan benefit summary below and the Aliera Care brochure is available here:



We really like the Premium plan since it has a higher per incident exposure for the bigger bills.

We're happy to help walk through the options.

Application Fee for Aliera Care


There is a one-time application fee of $125 for Aliera care plans.


You'll see this as part of the enrollment process.

How to Enroll in Alieracare plans.


This part is easy.

There are three ways to apply:


That's it!


We're happy to help with any questions on Alieracare.

Make sure to check out our comprehensive guide and introduction to Alieracare and how it works!


You can run your 2018 Aliera Care Rate Quote to view rates and plans side by side from the major carriers...Free.


Again, there is absolutely no cost to you for our services.  Call 800-320-6269 Today!



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We can quickly (very important) size up your health coverage needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.

We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and health sharing plans.

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We'll quickly see if health sharing plans like Alieracare might be a good fit for you.

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