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
▸ What is a health sharing plan and is it the same as health insurance?
A health sharing plan is NOT health insurance. It is a cost-sharing arrangement among members and operates outside of standard ACA insurance regulations - so consumer protections that apply to licensed health insurance do not typically apply to these plans.
▸ Why does OneShare Health use religious language in its plan documents?
Health sharing plans like OneShare exist as a religious exemption to the Affordable Care Act (ACA). The religious basis is the legal framework that allows these plans to operate outside of ACA requirements - it is not simply a marketing choice, but a structural necessity.
▸ Can I get a health sharing plan in California if short-term health plans are banned?
Yes, in California - where short-term health plans are effectively banned - a health sharing plan is one of the few non-ACA options available. It can often start as early as midnight following enrollment, making it useful for coverage gaps.
▸ When can a OneShare health sharing plan start in California?
OneShare health sharing plans can generally start mid-month, as early as midnight following enrollment. This flexibility makes them one of the only near-immediate coverage options available in California outside of Covered California open or special enrollment periods. For a current quote, visit our individual and family quote page.
▸ What are the risks of choosing a health sharing plan instead of ACA health insurance?
Health sharing plans do not guarantee coverage, are not required to cover the same benefits as ACA-compliant plans, and do not carry the same legal consumer protections. Speaking with a licensed agent before enrolling is strongly recommended so you fully understand what you may - and may not - be covered for.
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.






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