JHS Community Healthshare:
The Best Catastrophic-Focused Health Share in Colorado
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Looking for a health plan that keeps monthly costs at rock bottom and prioritizes protection against major medical expenses?
The Jericho Health Share (JHS) Community Healthshare plan fits the bill.
This innovative health sharing plan is designed specifically for individuals and families in Colorado who have some money in the bank, and who want affordable coverage focused on protection against catastrophic events.
With JHS Community Healthshare, members take on a little more risk for minor and routine healthcare costs that they can easily afford. Typically, members who need care will pay the first $10,000 to $15,000 per year out of pocket.
Meanwhile, JHS Community Share pays 100% of most medical expenses above this threshold.
The advantage to JHS Community Healthshare’s approach is that monthly costs are just a fraction of the cost of a traditional ACA Marketplace health insurance product, and among the most affordable health share plans available in Colorado.
The JHS plan is a great match if you don’t expect to need much healthcare in the foreseeable future, you have $10,000 or $15,000 to pay medical bills (if you had to), but you don’t want to be exposed to the risk of a $100,000 or $500,000 medical event.
It’s best suited for those in good health with some financial reserves, offering peace of mind without the high premiums of comprehensive insurance.
This guide will break down how JHS works, its plan options, and the key benefits and considerations to help you decide if it’s the right fit for your needs.
Read the Complete JHS Community Healthshare Membership Guide
JHS Community HealthShare
Advantages and Disadvantages
Advantages
Lower Monthly Contributions
Significant savings compared to unsubsidized ACA plans, and even most health sharing plans
Catastrophic Coverage
Protection against major medical expenses, including surgeries and hospitalizations
No Lifetime Caps
Protection against catastrophic medical costs
Disadvantages
No Subsidies
Health sharing plans like JHS Community Healthshare don’t qualify for subsidies under the Affordable Care Act.
This is not a problem for those whose household incomes are too high to qualify for an ACA subsidy anyway.
Waiting Periods
A waiting period applies before JHS will share costs to treat preexisting conditions or surgeries
Limited Preventive Care
With JHS Community Healthshare, you’re expected to shoulder the cost of preventive care and basic medical services out of your own resources
Not Ideal for Frequent Medical Needs
JHS is designed to focus on catastrophic protection.
It’s therefore best suited for people currently in good health, who don’t expect to need medical care.
Higher Out-of-Pocket Costs
Significant costs before sharing begins
Not tax deductible
Unlike health insurance premiums, monthly health sharing contributions are not tax-deductible for the individual.
However, they are tax deductible for businesses paying monthly health sharing costs as a benefit for employees.
Who Should Consider JHS Community Healthshare?
JHS Community Healthshare is an excellent choice if you meet these criteria:
- You are currently in good health;
- You don’t qualify for a large subsidy under the Affordable Care Act;
- You want to focus on protecting against catastrophic and potentially bankrupting medical bills;
- You can afford to pay $10,000 to $15,000 in the unlikely event they need significant medical care, and;
- You want to keep monthly costs at a bare minimum.
How JHS Community Healthshare Works
JHS Community HealthShare operates on a cost-sharing model, where members contribute monthly to a collective fund. These contributions are used to cover eligible medical expenses for members who experience significant health events.
Here’s a detailed breakdown of how the plan works.
Three Plan Tiers
DISTINCT
Lowest monthly cost with higher out-of-pocket exposure
DIVERSE
Balanced monthly contributions and coverage levels
DYNAMIC
Higher monthly contributions with minimal out-of-pocket exposure
Each plan allows members to select an Individual Sharing Responsibility (ISR) amount of $2,500, $5,000, or $10,000, with a maximum of three family members contributing to ISR annually.
You can choose your tier based on your budget, risk tolerance, and financial resources available.
Monthly Contributions
Once you enroll, you’ll pay a set monthly contribution based on your chosen plan tier andMember Responsibility Amount y (MRA). These funds go into a community pool.
Member Responsibility Amount)
You’ll select a Member Responsibility Amount amount of $2,500, $5,000, or $10,000. This is the out-of-pocket expense that you’ll pay each year before JHS begins sharing costs for eligible medical expenses.
If you select the DISTINCT or DIVERSE tier, you will also have an Additional Member Responsibility Amount (AMRA) of 20% or 50% of the next $10,000 in medical costs.
This AMRA functions similarly to coinsurance in a traditional health insurance product.
After you meet your MRA for the year, you could incur up to $2,000 in additional costs per member in the DISTINCT tier, and up to $5,000 in additional costs in the DIVERSE tier.
The DYNAMIC tier does not have AMRA. The plan shares 100% of eligible costs above your MRA for the year.
Cost Sharing
Once you cover your MSR for the year, JHS begins sharing costs based on your selected plan tier:
- DISTINCT: JHS pays 50% of the next $10,000. You will pay the remaining 50% of the next $10,000 (your Additional Member Responsibility Amount). JHS pays 100% of eligible costs after that.
- DIVERSE: JHS pays 80% of the next $10,000. You will pay the remaining 20% (your Additional Member Responsibility Amount, or AMRA). JHS pays 100% after that.
- DYNAMIC: JHS pays 100% of eligible costs after you meet your MRA. There is no AMRA.
Cost Sharing Example
Here’s an example of how JHS Community Health Share’s different tiers would share the cost of a $100,000 hospitalization:
- DISTINCT: You would pay your MRA of $2,500, $5,000, or $10,000. You would then pay the DISTINCT tier’s AMRA of 50% of the next $10,000, or $5,000. The plan would share 100% of the remaining cost. Your maximum out-of-pocket cost for the hospitalization would be $15,000.
- DIVERSE: You would pay your MRA of $2,500, $5,000, or $10,000. You would then pay the DIVERSE tier’s AMRA of 20% of the next $10,000, or $2,000. The plan would share 100% of the remaining cost.
Your maximum out-of-pocket cost for the hospitalization would be $12,000.
- DYNAMIC: You would pay your MRA of $2,500, $5,000, or $10,000. That’s it. There’s no AMRA in the DYNAMIC tier. Your maximum out-of-pocket cost for the hospitalization for the year is the MRA that you selected.
Cost and Benefits Matrix By Plan Tier
Let’s take a closer look at the benefits included in each of JHS Community Health Share’s membership tiers:
JHS COMMUNITY MEMBERSHIP TIERS
| Adult and child wellness services | No visit fee. Eligible at 100% up to a maximum of $500/year. | No visit fee. Capped at $2,000 for wellness services per member per year. | No visit fee. Capped at $2,000 for wellness services per member per year. |
| Physician, specialist, and urgent care visits | $40 visit fee | $40 visit fee | $40 visit fee |
| Maximum per office visit | $400, up to 4x per member | $400, up to 8x per member. | $400, up to 12x |
| MRA options | Choose $2,500, $5,000, or $10,000 per member, per membership year - not to exceed 3 family members | Choose $2,500, $5,000, or $10,000 per member, per membership year - not to exceed 3 family members | Choose $2,500, $5,000, or $10,000 per member, per membership year - not to exceed 3 family members |
| Additional MRA | Capped at 50% of next $10,000 per member per membership year. | Capped at 20% of next $10,00 per member membership year. | No Additional MRA. Plan pays 100% of eligible costs over your MRA. |
| Imaging and lab fees | 100% shareable after MRA and AMRA are met | 100% shareable after MRA and AMRA are met | 100% shareable after MRA and AMRA are met |
| ER Visits | $400 visit fee, then shared up to $4,000/family member/year | $400 visit fee, then shared up to $8,000 per family member/year. | $400 visit fee, then shared up to $12,000 per family member/year. |
| Hospitalization | 100% shareable after MRA and AMRA are met. 90-day waiting period for non-accidental injury. | 100% shareable after MRA and AMRA are met. 90-day waiting period for non-accidental injury. | 100% shareable after MRA and AMRA are met. 90-day waiting period for non-accidental injury. |
| Surgery | 90-day waiting period for other than accidental injuries. 100% shareable after MRA and AMRA are met. | 90-day waiting period for other than accidental injuries. 100% shareable after MRA and AMRA are met. | 90-day waiting period for other than accidental injuries. 100% shareable after MRA is met. There is no AMRA. |
| Maternity care | Not eligible | Shareable up to $8,000/ member for single or multiple births. Life threatening complications for mother and/or new baby, MRA and AMRA apply up to a Maximum Sharing Limit of $40,000. *Nine (9) month waiting period prior to conception. | Shareable up to $12,000/ member for single or multiple births. Life threatening complications for mother and/or new baby, MRA and AMRA apply up to a Maximum Sharing Limit of $40,000. *Nine (9) month waiting period prior to conception. |
| Maximum annual sharing limit | $250,000 per member/year | $750,000 per member/year | $1 million per member/year |
| Lifetime sharing limit per member | $1 million | $2 million | $3 million |
How to Enroll
Enrolling in JHS Community Healthshare is a straightforward process.
Start by reviewing the JHS Membership Guide to fully understand plan options, cost structures, and coverage details.
- Self-Enrollment. Ready to enroll? Click here to see prices, choose a plan tier and MRA, and self-enroll online in minutes!
- Personalized Assistance. For a more tailored approach, prospective members can connect with a Personal Benefits Manager. These professionals provide free consultations, answer questions, and guide members through the enrollment process.
Frequently Asked Questions
What is JHS Community HealthShare?
JHS is a health-sharing ministry where members share medical costs through monthly contributions.
How do I enroll in JHS?
You can enroll online or contact a Personal Benefits Manager for individualized assistance.
Can I choose my healthcare provider?
Yes, but using the PHCS MultiPlan network maximizes benefits.
Is maternity care included?
Yes, under DIVERSE and DYNAMIC tiers, but not the DISTINCT tier.
Are emergency services shareable?
Yes, after meeting your MRA for the year.
Is JHS HealthShare Insurance?
No, JHS is not insurance. It is a cost-sharing model focused on catastrophic medical expenses.
When can I enroll?
You can enroll in JHS Community Healthshare at any time. There are no limited open enrollment periods. Health sharing plans like JHS Community Healthshare are an excellent and affordable option if you need to enroll in a plan outside of the ACA open enrollment period.
What are the MRA options?
You can choose a MRA of $2,500, $5,000, or $10,000. The higher your MRA, the lower your monthly contribution amount will be.
Are routine doctor visits included?
Yes, but with limited annual visit allowances.
Are telehealth services included?
Yes, through MDLIVE.
What People Are Saying
“I’ve been with JHS Community for almost a year now, and I’ve had a great experience. The joining process was quick and easy, and the representatives made sure I understood how health sharing works. They took the time to explain the benefits, the limitations, and what to expect from the program. I appreciated how transparent they were, and I felt confident about my decision to join.”
– Jill Z.,- Client
“GREAT HEALTHSHARE COMMUNITY! JHS Community has been a lifesaver for me! The healthcare sharing process is simple and affordable, and I feel supported by the community. I’ve had excellent experiences with both customer service and bill sharing.”
–James D., Client
“I recently signed up and the process was fast and easy. JHS looks like a good fit for my family and I, so I’m hoping things go well.”
–Quin B., – Client
“SATISFIED CUSTOMER. I couldn’t be happier with JHS Community. The staff is incredibly helpful, and the sharing model has saved me so much compared to traditional insurance. I love being part of a community that cares.”
–Adam S., Client
JHS Community Enrollment Details
Click Here to self-enroll now!
Or for more personalized assistance, or help choosing a health share plan, contact a Personal Benefits Manager for a FREE appointment, consultation, and quote.
For Further Reading
Health Insurance Instant Quote
HEALTH INSURANCE INFORMATION
- Plans approved and authorized under the Affordable Care Act
- Covers Pre-Existing conditions
- Low cost subsidized plans available to those earning
< 400% of the federal poverty level - Unlimited lifetime benefits
- Available during open enrollment (November 1 – January 15), or if you qualify for a Special Enrollment Period
Healthshare Instant Quote
HEALTH COST-SHARING INFORMATION
- Not health insurance, but a way for like-minded individuals to share medical expenses
- Waiting periods on pre-existing conditions
- May exclude sharing for certain conditions or activities
- Enroll any time
- Much lower monthly cost than unsubsidized health insurance
JHS Community Reviews Section
Note: Your email will not be displayed - for verification purposes only
JHS Community has been a great healthcare alternative for me
The cost is much lower than insurance, and the process works well. I’ve had a few minor delays with bill sharing, but overall, I’m very satisfied.
Great healthshare community!
JHS Community has been a lifesaver for me! The healthcare sharing process is simple and affordable, and I feel supported by the community. I’ve had excellent experiences with both customer service and bill sharing.
Just okay
JHS Community has been okay overall. The savings are real, but I’ve had some issues with delayed responses and a few misunderstandings about what’s covered. It’s good for the price, but not perfect.
Satisfied customer!
I couldn’t be happier with JHS Community. The staff is incredibly helpful, and the sharing model has saved me so much compared to traditional insurance. I love being part of a community that cares.