Quote OneShare for Short term


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 health sharing the same as health insurance in California?
No - health sharing plans like OneShare are not health insurance. They are membership-based programs where members share each other's medical costs, and they exist outside of ACA regulations. Because they are not insurance, consumer protections that apply to licensed health plans do not apply.
▸ Why does OneShare Health use religious language?
Health sharing plans were created as a religious exemption to the Affordable Care Act, which is the legal basis that allows them to operate outside of standard ACA requirements. OneShare is among the more flexible health sharing programs in terms of membership requirements, but the religious framework is federally embedded in how these organizations are structured.
▸ Can I enroll in a health sharing plan mid-month in California?
OneShare Health sharing coverage can potentially begin as early as midnight following enrollment, making it one of the few options available to Californians who need coverage to start outside of standard ACA enrollment windows. California banned short-term health plans, so health sharing is generally the only mid-month-start alternative available in the state.
▸ What is the difference between a health sharing plan and a Covered California plan?
Covered California plans are licensed health insurance products with ACA consumer protections, and enrollees may qualify for income-based subsidies. Health sharing plans are not insurance, carry no guarantee of payment, and are not eligible for Covered California subsidies - but they may offer more enrollment flexibility. For a full comparison, consider speaking with a licensed agent or getting a Covered California quote.
▸ Is OneShare Health a good option if I missed Covered California's Open Enrollment?
If you missed Open Enrollment and don't qualify for a Special Enrollment Period, a health sharing plan like OneShare may be one of the few ways to get some form of coverage quickly in California. However, these are not insurance and do not carry the same protections - it's worth speaking with a licensed agent to understand your options before enrolling.
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.