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    IF YOU CHOOSE TO
    DECLINE YOUR EMPLOYER'S HEALTH INSURANCE, YOU CAN
    FIND OTHER OPTIONS

    If you’ve decided to decline cheap health insurance through your job, you have other options such as a Christian health ministry.

     

    If you’ve decided to decline cheap health insurance through your job, you have other options such as a Christian health ministry.

     

    IF YOU CHOOSE TO
    DECLINE YOUR EMPLOYER'S HEALTH
    INSURANCE,     YOU CAN
    FIND OTHER OPTIONS

    Individual vs. Employer Health Insurance:
    Should You Buy Your Own Option?

    Do you have to get health insurance through your employer? Not if you don’t want to. Here are some other options.

    You just took a job and finally have the ability to get health insurance through your company, but first you need to make sure that it will satisfy all of your medical needs. While circumstances vary from person to person, there could be a few reasons why you might choose to look for other health care options.


    • Out-of-Pocket Costs: Most employers cover 60-80% of the cost of their health insurance, but they are only required to cover 50%. In some cases, the cost of the employer health insurance may be MORE than a plan from the Marketplace.

    • Spouse’s Insurance: If your spouse also has health insurance through their employer, it is important to compare plans and see which will best fit your budget and needs.

    • Provider Network: Different plans are accepted with different providers. It may be the case that your doctor's office does not take your insurance and you make want to choose to keep your doctor’s over the insurance.

    Do you have to get health insurance through your employer? You can choose to decline and look for other options like a Christian health ministry.

    How Other Health Care Options Can
    Fulfill Your Needs

    If you’re on the fence about taking insurance through your employer, it could be helpful to know that health insurance is not always the only option as other health care options are out there. While they are not traditional health insurance, a Health Care Sharing Ministry, like OneShare Health, can provide you with quality health care sharing Programs and additional Features to satisfy your medical needs.

    Every plan is different for every person, but you may find you need supplemental insurance, too.


    Some signs that you will need supplemental insurance are:

    Your Deductible is Higher Than Your Own Savings Account
    You Have Children That May Have Unexpected Expenses
    You Don’t Have Savings and You Need Time Off Work

    How Do I Get Cheap Health Care on My Own?

    Searching for health insurance is daunting and takes time out of your day in the worst way. Below is a list of ways for you to find cheap insurance coverage options and alternatives.

    Declined your employer’s insurance and looking for cheap insurance alternatives? Learn about your options here.

     

    • Health Insurance Marketplace: The Marketplace is an online shop to compare plans. It can be time-consuming to compare each plan but it may help you decide which plan fits best.

    • Medicaid: This is an alternative you must qualify for, but it will give you a low-cost insurance option.

    • Health Care Sharing Ministries (HCSMs): These organizations are not health insurance but rather provide alternatives to Obamacare and traditional health insurance through affordable health care sharing Programs.

    Do you have to get health insurance through your employer? Not if you don’t want to. Here are some other options.

    Why a Health Care Sharing Ministry is the Best Cheap Health Care Alternative for You

    Your health care should be easier to understand and use. Being a part of a Health Care Sharing Ministry does not give you traditional insurance, but it allows you to pick a low-cost Program that facilitates the sharing of your Eligible medical bills among all Members.

    OneShare Health has three Programs to choose from. Take a closer look into what each Program has to offer.

    OneShare Catastrophic Program OneShare Catastrophic Program
    Pricing Contributions as Low as
    $ 69.99
     $ 6
    per month
    Contributions will vary based on state, Member’s age, Demographics, Program, and Tier.
    		Contributions as Low as
    $ 89.99
     $ 7
    per month
    Contributions will vary based on state, Member’s age, Demographics, Program, and Tier.
    Eligible Services Affordable Monthly Contributions
    to Fit Your Budget    		 Three Levels of Care to Choose From
    Virtual Urgent Care
    (Telemedicine)
    Telemedicine services are not owned or operated by OneShare Health LLC., but made available to OneShare Members by Clever Health.
    Mental Health Support
    Mental Health Support is not owned or operated by OneShare Health.
    X-Rays / Labs / Diagnostic
    Catastophic program is eligible for Emergency Room and Hospitalization only.
    Emergency Room
    Hospitalization
    Prescription Discount Program
    Lifetime Sharing Maximum
    Primary Care Physician N/A
    Urgent Care Facility N/A
    Preventive Services N/A
    Maternity
    Eligible After ISA on Classic Crown. Natural Delivery $5,000; C-Section $8,000; complications $50,000.
    		 N/A
    (Classic Crown Only)
    Maximum Limit per Incident $150,000 / $250,000 / $500,000 $150,000 / $250,000 / $500,000
      Learn More Learn More
    You need to get off your parents’ insurance when you turn 26. Our Catastrophic health plan is an option to find your own affordable health care!
    Catastrophic_Program_Brochure_Img_v2Download Catastrophic Program Overview

    OneShare Health’s Catastrophic Program is a great alternative for those who need a cheap health insurance option for healthy people. It gives you the emergency protection you need without the price of full-package insurance. Catastrophic health sharing Programs let you save money while remaining in good hands in case of an emergency. 

    2021_OneShare_Classic_Membership_Overview_v1
    Classic_Program_Brochure_Img_v2Download Classic Program Overview

    The Classic Program has access to a wider range of services designed to enhance wellness while also sharing essential needs through preventive health care, reduction of hospitalization, and more. Expecting mothers may also take advantage of Maternity Sharing under select tiers of this Program! 

    OneShare Health also offers Features and Discount Programs such as:

    • Smart Virtual CareTM (Telemedicine)

      The ability to communicate with a doctor anytime, anywhere with Smart Virtual Care (Telemedicine) technology powered by Clever HealthTM. This Feature does not have any additional cost! Open the app to receive acute medical care for non-emergency needs, even on the go.

    • Bella, the Intuitive Mental Health Chatbot
      Get mental health help when you need it most with Bella, the Intuitive Mental Health Chatbot! Bella connects 24/7 via the Clever HealthTM App, the AI-powered mental health coaching chat specializes in anxiety and depression, provides self-help content and coping techniques, is 100% anonymous, and is accessible 24/7/365!

    • Discount Services
      Save money where it matters, all at your fingertips. All our Programs include Membership Discount Services perks to help you save on Diabetic Supplies, Labs and Diagnostic, Dental, Vision, Prescriptions, and more!

    Learn More

    Start Saving Up to 50% or More on Your Health Care Today!

    Need to find your own cheap insurance plan? Learn about OneShare's affordable health care alternative now!

    If you don't want to go the Obamacare route with Open Enrollment and want to save money on your care, check out our Health Care Sharing Ministry that's exempt from the ACA! To start your enrollment in a health care sharing Program that could save you thousands a year on your care, grab a free OneShare Health quote by entering your ZIP Code below!

    Do you have to get health insurance through your employer? You can choose to decline and look for other options like a Christian health ministry.

    “Therefore encourage one another and build one another up, just as you are doing.”  

    1 Thessalonians 5:11 (ESV) 

    Declined your employer’s insurance and looking for cheap insurance alternatives? Learn about Christian health ministries like OneShare Health here.
    OneShare Health BBB Business Review

    Contact Us

    Leadership Team

    Sharing by the Numbers

    Careers

    Appeals & Disputes

    1125 Executive Circle, Suite #130
    Irving, Texas, 75038

    Proud Member of As a Christian health insurance alternative, OneShare Health is a HCSM who is proud to be a partner of the Alliance of Health Care Sharing Ministries and carry their mission.

    As a Christian health insurance alternative, OneShare Health is a HCSM who is proud to have earned a Gold Seal of Transparency by Guidestar!

    OneShare Health, LLC is not an insurance company but a religious health care sharing ministry. For our full disclosures, see www.onesharehealth.com/legal-notices for the most up to date state availability listing.

     

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