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Health share comparison - secular or non-religious health sharing plans?

are there non-religious or secular health care sharing plans?

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.

You can quote/enroll HERE

Close.

In fact, our favorite health sharing company is the closest.

OneShare simply requires a Statement of Beliefs for Qualification

More importantly, it's stronger than the other six in the ways that really matter.

Let's take a look at the following:

Let's get started!

You can always run your OneShare HealthShare quote and check the enrollment guidelines:

Quick overview of non-religious and religious health sharing companies

There are six major companies that have been designated as health sharing ministries:

  • Christian Health Ministries
  • Samaritan Ministries
  • Liberty HealthShares
  • OneShare HealthShare
  • Medi-Share
  • Altrua HealthShare

Of the six, OneShare HealthShare is the most flexible and closest to secular health sharing.

You can get a detail comparison of the health share plans here.

It's the closest to non-religious both in terms of the statements required and who they offer the coverage to.

Keep in mind that in order to get the exemptions of a health sharing company (such as OneShare HealthShare), there has to be some degree of religiosity.

It's literally based on a religious exemption!

Individuals who choose to enroll in a health care sharing ministry plan receive a waiver from the individual tax penalty! (came back in California for 2020)

This exemption is what translates into much lower rates to the members.

OneShare HealthShare meets these requirements with the simple Statement of Beliefs.

Though not secular, essentially it functions the same to the member.

How do they determine eligibility?

That's it!

Let's look at it.

The OneShare HealthShare Statement of Beliefs.

Here it is.

Members must agree to the following Statement of Beliefs to qualify for OneShare HealthShare:

  1. 1. We Believe in the authority of Scripture and the sanctity and dignity of every human life created by God with special meaning and purpose. II Timothy 3:16; Psalm 139:13-14
  2. 2. We Believe that every individual has the constitutional and religious right and duty to worship God in freedom. II Corinthians 3:17; U.S. Const. amend. I
  3. 3. We Believe and agree in the biblical and ethical principle of sharing with those who are less fortunate and who experience medical needs. Galatians 6:2
  4. 4. We Believe and agree that it is our responsibility to God and our fellow Members to engage in accountable, healthy living, and to avoid habits and behaviors which are harmful to the body. I Corinthians 6:19-20
  5. 5. We Believe in the power of prayer to save lives, to heal lives, and to unite our Members in common purpose and community, and we believe that prayer should be a fundamental practice of daily life. I John 5:14; Philippians 4:6-7


That's it.

On the application, you accept this statement and you can enroll.

Some of other health sharing companies are very strict.

One will even call your church to verify you are a member.

They also can cancel coverage if their specific lifestyle tenants are broken.

We don't like this.

Regardless of faith, it's a bad precedent to be able to cancel coverage for extraneous reasons.

It goes against the concept of protecting from health care expenses.

Who can enroll in OneShare HealthShare?

It's pretty open and inclusive.

  • As long as you can accept the Statement of Beliefs above, we should be fine.
  • OneShare HealthShare doesn't scrutinize your religious or lifestyle histories.
  • They don't check with a church or spy on your habits at home.

Unless it explicitly violates the statement of beliefs above, you should be fine.

OneShare HealthShare also does not decline people due to health.

This is a huge difference with some of the other health sharing companies.

We're happy to walk through any questions and you can check the eligibility through the application here:


QUOTE OneShare

Can different faiths enroll in OneShare HealthShare?

Yes!

As should be!

This is one reason we really like OneShare HealthShare for the health sharing through OneShare HealthShare.

It's un-American to exclude people because they have a different belief system.

You need to agree to the 5 statements above.

This is the most flexible eligibility on the market.

Can domestic partners enroll in OneShare HealthShare?

Yes.

It's not barred in the Statement of Beliefs above.

We're fine.

Can same sex partners enroll in OneShare HealthShare?

Yes.

It's not barred in the Statement of Beliefs.

Same sex partners can enroll.

Review of OneShare HealthShare for closest thing to non-religious health sharing plans

So, OneShare HealthShare is the most flexible of the health sharing plans when it comes to religiosity.

They just have OneShare HealthShare's Statement of Beliefs.

As long as you accept that Statement, we're good to enroll.

  • It is not tied a specific religious belief or denomination.
  • It basically states that a person can practice their belief in their own way.

I think we can all agree to that!

Make sure to read our OneShare HealthShare review for more information on how it works, who it works best for, and important understanding of the trade-offs versus traditional insurance.

We have an entire article on Obamacare health insurance versus health sharing. Tax credits have been expanded so it's important to re-evaluate that market HERE.

OneShare HealthShare is NOT insurance.

Find out more in article above.

You can run your OneShare HealthShare Quote here to view health sharing rates and plans

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


Frequently Asked Questions
▸ Are there non-religious or secular health sharing plans available in California?
A small number of health sharing organizations offer plans without strict religious requirements, sometimes called secular or non-religious health sharing plans. However, the health sharing market is largely faith-based, and options vary. Speaking with a licensed California agent can help you compare what's available and whether a sharing plan or traditional insurance is a better fit for your situation.
▸ Is a health sharing plan the same as health insurance?
No - health sharing plans are not insurance and are not regulated the same way as licensed health insurance in California. Members contribute to a shared pool that covers eligible medical costs, but protections, guarantees, and covered services can differ significantly from a licensed health insurance policy. It's important to review the membership guidelines carefully before enrolling.
▸ Who can typically enroll in a non-religious health sharing plan?
Eligibility rules vary by organization, but non-religious or secular health sharing plans generally have fewer faith-based enrollment requirements than traditional ministry plans. Some plans may still require agreeing to a statement of community values or health guidelines. Check each plan's specific membership criteria or ask a licensed agent for guidance.
▸ Can domestic partners enroll together in a health sharing plan?
Enrollment eligibility for domestic partners depends on the specific health sharing organization's policies, and rules vary widely between plans. Some plans accommodate domestic partners while others may not. Review the plan's membership guidelines directly, or contact a licensed agent to discuss your household's options.
▸ How does a health sharing plan compare to a Covered California plan?
Covered California plans are licensed health insurance products with state and federal consumer protections, including coverage of essential health benefits and guaranteed issue. Health sharing plans operate differently and may not cover the same services or provide the same legal protections. You can get a Covered California quote to compare costs and benefits 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.