OneShare Health: The Most Popular Health Sharing Plan in Colorado
Even before the pandemic, Colorado residents were struggling more than ever to pay for the costs of healthcare. Between constantly rising premiums and the shady (if not downright predatory) US hospital system, it’s a surprise that any of us can afford the cost of health insurance.

Fortunately, a lot of Coloradoans have found relief by making the switch to a health care sharing plan. This low-cost insurance alternative is breaking the shackles of one-size-fits-all ACA coverage, freeing people to take more control of their health care while paying a lot less in the process.

Colorado’s new trend in affordable health care

The Affordable Care Act (ACA) tried to make it easier for more people to get coverage. But there was one problem: not everyone qualified for the Premium Tax Credit. Without that credit, paying for unsubsidized health insurance is close to impossible.

In 2020’s health insurance open enrollment period, 32% of enrollments were for health sharing plans.

What does that tell us? Health sharing plans are not only here to stay, but they’re already changing the game for a lot of people.  

Don’t qualify for an ACA premium tax credit?

If you qualify for an ACA tax subsidy, then you might be able to afford a market health insurance plan. If that’s the case, then sticking with traditional insurance is probably the best option.

But for those who don’t qualify, paying $2,000 a month for a family insurance policy is out of the question.

If you earn more than the ACA subsidy level, health sharing can save you thousands of dollars a year. But that’s not all: There’s one health sharing plan that is creating even more value for Coloradoans.

OneShare Health: The #1 most popular health sharing plan in Colorado

Although relatively new to Colorado, OneShare Health has emerged as one of the most popular plans in the state. OneShare is what’s known as a Health Care Sharing Ministry (HCSM), which is an organization dedicated to sharing health care costs among its members.

Like other HCMS, OneShare Health asks that its members sign a Statement of Belief based on the Christian Faith. Once you’re enrolled, simply pay your monthly contribution, and you will be eligible to have your health expenses reimbursed.

Just like traditional insurance, there are three plan types to choose from. The highly popular Catastrophic Plan is only $115 per month, well more than half the cost of unsubsidized insurance.



green-check-bulletPreventive services are covered after 90 days red-check-bulletThere is a 2-year waiting period before pre-existing conditions are eligible for sharing
green-check-bulletChoose any doctor or provider you like red-check-bulletNot all medical expenses are eligible for sharing, specifically those with a higher risk of injury
green-check-bulletFull suite of cutting-edge discount services, including dental, vision, lap work, prescriptions, and more  

Runner up: MPB Secure:  Colorado’s only HSA-friendly healthshare plan

Because most health sharing plans don’t cover preventive care, members are not eligible to open Health Savings Accounts (HSA). But with MPB Secure, it’s not only possible to set up a personal HSA, but you also get access to all 64 preventive and wellness services outlined in the ACA.

This means free flu shots, annual checkups, health screening tests, mammograms, colonoscopies, and more. This is in addition to the simplistic, easy-to-understand medical cost sharing offered by the base plan.

Unlike many health sharing organizations, MPB Health does not decline anyone for either previous conditions or religious beliefs.



green-check-bulletEveryone is accepted red-check-bulletMore expensive than OneShare Health
green-check-bulletIs structured to work with an HSA red-check-bulletNot all medical expenses are eligible for sharing (like all health)
green-check-bulletNo network restrictions, even when traveling abroad  
green-check-bulletComes with a Minimum Essential Care Plan (MEC) for preventive services  

Find out how much you can save by switching to Health Care Cost Sharing

Health care cost sharing is not for everyone. But if you’re one of the many thousands of Coloradans who is forced to pay for unsubsidized ACA insurance, then it might be time to make the switch.

Your Personal Benefits Manager can help you find a sharing plan that best suits your needs. Call 800-913-6381 to schedule no-cost consultation, or click here to run an instant quote.