OneShare Health
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OneShare Health of Colorado, formerly known as Kingdom Healthshare, is a faith-based health share ministry organization originally founded by a group of health care professionals who were frustrated at the limitations, inflexibility, and inflated costs of traditional health insurance approaches.
OneShare Health has roots in the Anabaptist faith. But membership is open to anyone who adheres to OneShare Health’s Statement of Beliefs, which is at the bottom of this article.
OneShare Health Options
Colorado customers can choose from three major types of healthshare plans:
1. Catastrophic, which provides limited features centered around high-cost medical events;
2. Classic, which is a balanced but budget-friendly program offering a mix of emergency and routine medical costs (over an annual Individual Sharing Amount), which functions similarly to a health insurance plan’s deductible.
The Classic membership is OneShare’s most popular offering, thanks to the reasonable monthly costs, long list of shareable services, and the fact that it’s the lowest membership tier that also includes value-add protections like dental, vision, and hearing discounts.
It has three membership tiers: Basic, Enhanced, and Crown.
Monthly contributions for Colorado residents start as low as $143.90 for a self-only healthshare program, $230.90 for couples, and $331.90 for families between the age of 18-29 years old.
In each case, these monthly costs amount to just a fraction of what it would cost to purchase an Affordable Care Act-qualified health insurance policy on the Connect For Health Colorado marketplace without a government subsidy.
Healthsharing vs. Insurance
Like all health sharing plans, OneShare Health of Colorado programs are not health insurance. They are not structured or regulated as health insurance companies in Colorado. Instead, they are a much more affordable alternative to traditional health insurance that have proven themselves enormously popular among Colorado residents.
They are especially well suited for those who’ve been left out of the subsidy schemes under the Affordable Care Act, or people seeking an alternative that aligns with their beliefs and values.
Both membership types available in Colorado cap lifetime sharing eligibility at $1 million per member.
Perks of OneShare Health
Unlike most policies available on the Connect for Health Colorado marketplace website, OneShare Health’s programs do not restrict patients to any narrow care “networks” for non-emergency services.
OneShare Health of Colorado, like most healthsharing ministry organizations, believes strongly in the power of choice and empowering individuals to make medical choices for themselves and their families.
Rather than limit you to a network of lowest bidders who may or may not provide the quality of care you and your family needs, OneShare Health of Colorado lets you use your healthsharing features with any willing provider, in or out of the United States.
OneShare Health facilitates sharing of all eligible expenses at a “fair and reasonable” amount at any hospital, outpatient facility, surgery center, or clinical lab facility
If you don’t have a doctor in mind and don’t know where to turn, OneShare Health’s team has an extensive list of doctors and providers all over Colorado who have successfully treated fellow OneShare members at reasonable prices.
OneShare Health Telemedicine
All OneShare healthsharing programs members enjoy access to telehealth services for minor and routine medical issues.
The service is staffed by board-certified MDs 24 hours a day, 7 days a week. All costs are 100% shareable. That means you pay nothing out of pocket.
Healthsharing programs have found that providing free or nearly free 24/7 access to a telehealth service actually substantially reduces overall costs.
Patients also find it very convenient because they can handle minor medical events quickly without needing to take time off work or travel to an in-person medical appointment.
WellCard Savings
All OneShare Health members receive a WellCard Savings card. This card enables members to receive deep discounts on all kinds of medical services and supplies from participating members.
You can use it any time. It’s free to use. There’s no additional monthly membership fee. You can even continue to use your WellCard Savings Card after you leave the program.
WellCard Savings is great for most people who don’t expect to meet their annual Individual Sharing Amount. The discounts directly reduce your out-of-pocket costs, and help keep your main OneShare Health program as affordable as possible for you and other Coloradans!
Specialist Visits
OneShare Health’s Basic and Enhanced programs do not include specialist visits. The Crown membership includes specialists, with a $75 visit fee, which functions similarly to a copay.
OneShare Health Diabetic Care
OneShare’s Diabetic Care program allows program members to save up to 75% on diabetic care supplies, such as test strips, lancets, and other testing supplies, and have them delivered directly to your home.
Mental Health Services
OneShare members have 24/7 access to a Mental Health chatbot from Clever HealthTM.
Pre-Existing Conditions
OneShare Health of Colorado defines a pre-existing condition as any illness that has been treated within the 24 months prior to joining the plan.
Not just treatment but any condition which has shown signs or symptoms in the previous 24 months or chronic conditions known to the member even if the chronic condition has not shown signs or symptoms recently.
Generally, expenses related to treating pre-existing conditions become shareable 24 months after joining the program.
However, some chronic conditions that require treatment to prevent future more expensive problems may be eligible for immediate sharing.
Waiting Periods
A 90-day waiting period applies before bills for treatments of anything other than acute illnesses, injuries, and accidents are shareable under the plan.
Immunizations are also immediately eligible and not subject to the 90 day wait (if enrolled in a program in which immunizations are eligible, i.e. not Catastrophic)
But you can still access fully shared telemedicine visits as needed to update prescriptions, get care recommendations, etc.
Surgery Waiting Periods
A 90-day waiting period from your membership effective date applies to scheduled in-patient and outpatient surgeries.
But life-saving emergency surgery costs are shareable immediately, subject to you meeting your Individual Sharing Amount.
Maternity Benefits
Maternity sharing is eligible on the Classic Crown program, but not on the lower Classic tiers or the Catastrophic program.
Diagnostic Imaging
Diagnostic imaging, such as X-rays and MRIs, is eligible for sharing.
OneShare Health Statement of Beliefs
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
…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
…and agree in the biblical and ethical principle of sharing with those who are less fortunate and who experience medical needs.
– Galatians 6:2
…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
…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
OneShare Health FAQ’s
Can I choose my own doctor with OneShare Health in Colorado?
Yes. You can use your OneShare Health program with any doctor or provider you choose.
While many traditional health insurance programs (HMOs and PPOs) restrict you to a narrow network of authorized providers for non-emergency care, OneShare Health has no such restrictions.
OneShare Health provides cost sharing for any inpatient, outpatient, hospital, surgery center, or clinical lab facility for eligible services under your chosen program.
OneShare Health provides an online physician locator service called MyChoiceProvider. You may use the physicians listed on this directory, but you are not required to. However, if your chosen physician charges more than what our data indicates is a Fair and Reasonable Amount, you may be responsible for more cost sharing.
What maternity sharing are included with OneShare Health?
Maternity sharing are only included with the Classic Crown membership.
Medical expenses for the mother’s prenatal, delivery, and hospital, birthing center, or midwife services (with birthing at home-related expenses), are eligible for sharing, provided that the pregnancy started after the mother’s effective date of membership.
Costs are shareable after your ISA is met, subject to the following limitations:
- Natural delivery expenses are eligible up to a maximum of $5,000.
- C-Section delivery expenses are eligible up to a maximum of $8,000.
- Complications of delivery expenses are eligible up to a maximum of $50,000.
Does OneShare Health features include diabetes care?
OneShare Health provides for the routine maintenance of diabetes as a chronic condition as follows:
- Blood pressure screening conducted at a Primary Care Physician Visit
- Annual group of blood tests measuring the amount of cholesterol and fats in the blood (lipid panel).
- Annual urine test measuring albumin excretion (for Type 1 diabetics with diabetes more than 5 years in duration and for all Type 2 diabetics).
- Annual blood test measuring serum creatine.
- Annual retinopathy screening and treatment.
Annual screening for microalbuminuria (Eligible once a child reaches age 10 and has had diabetes for at least 5 years).
Do I need to get preauthorization from OneShare Health before getting medical care?
OneShare Health does not require preauthorization for bona fide health emergencies.
But you do need to get pre-notification for certain non-emergency procedures. This is partly so that the eligibility for cost sharing can be verified, and partly so that OneShare Health staff can help you negotiate the very best pricing available for that procedure.
Pre-notification is required for the following procedures:
- Inpatient Hospital Confinements (including hospitals, skilled nursing, and inpatient rehabilitation Facilities).
- Outpatient Surgery (including but not limited to: surgical centers, clinics, hospitals).
- Maternity.
- Organ/Tissue Transplant Services.
- Home Health Care Services.
- Cancer Services.
- Equivalent/Alternative Care including Chiropractic Care and Manipulation Therapy in lieu of surgery.
Does OneShare Health share costs for mental health care and counseling?
Yes, though your eligibility will differ based on the program you select.
Under the OneShare Classic programs, the plan will share up to $1,500 for outpatient mental health care and counseling costs, and up to $3,000 for inpatient costs, after your ISA is met.
Under the Catastrophic plan, OneShare Health will share up to $3,000 in inpatient mental health care costs once your ISA is met. Outpatient mental health care costs are not shareable under the Catastrophic plan.
When is open enrollment for OneShare Health of Colorado?
There is no open enrollment period for OneShare Health of Colorado.
You can enroll any time during the year with Next Day Active Dates available.
However, the program may impose a waiting period before costs from pre-existing conditions become fully shareable.
Got questions? We’re here to help!
If you have questions about anything related to paying for healthcare, whether it’s a healthsharing program like OneShare Health or a health insurance plan, we have helped thousands of Coloradans achieve lower costs for themselves or their small businesses.
Just click the link below, and make an appointment with a Personal Benefits Manager!
We look forward to serving you.
We’ve helped thousand of people find health insurance or a health sharing plan.
Each customer gets the same amazing service.
Paula M. (CO)
“It was so easy to sign up with Misty's help. I've told many friends about my experience and have shared Misty's contact with them.”
Liner, M. (UT)
“I am Allyson’s stepmother who found and arranged her insurance with Leslie. I want to commend her for being so easy to work with and so clear in her explanations. She was able to get the information from Allyson easily. I wish all insurance people were as helpful.”
Ready to sign up?
OneShare Catastrophic is best suited for individuals and families who are overall healthy and are looking to join a program that shares mainly catastrophic medical needs.
OneShare Classic is for individuals and families who are concerned about medical needs as well as hospital concerns. Classic is the most popular choice.
Call us at 800-913-0172 to discuss your options with a Personal Benefits Manager, or you can Schedule a Free Consultation.
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
How to Choose an HSA-Qualified Health Plan
HSA plans are simple and easy to understand. If you need some basic information on how Health Savings Accounts (HSAs) work, visit our HSA page.
A relatively small percentage of health insurance plans are HSA-eligibile. If you are looking at health insurance quotes through our quote engine, HSA plans will be noted.
While HSAs are typically associated with insurance plans, ColoHealth also offers a partially self-directed HSA combined with a healthshare program through MPowering Benefits. Health care sharing programs are not insurance; instead, they pay formedical expenses in a different way. Members pay monthly contributions, and that money is pooled together to pay for its members’ qualifying medical expenses.
Health share programs offer significant savings, one of their biggest appeals and one of the reasons why there are now more than a million people who have joined a health share program. However, they aren’t for everyone. If you have a pre-existing condition or are currently going to the doctor often, medicare cost sharing programs might not be the right fit for you.
When you are ready to choose a plan, follow the directions below. It usually takes no more than 10 minutes or so to choose the best plan for your needs.
1. Get an Instant Quote.
Our instant quote engine can rapidly show you the available plans in your area, so that you can get an overall feel of what premiums will be for the different HSA plans.
To see just the HSA health insurance plans, change the “Plan Type” on the Customize Search tab at the top of the page to “HSA”. Note that not all insurance companies and plans are available in all areas.
The healthshare program that works with an HSA is very attractively-priced, particularly if you do not qualify for a health insurance subsidy.
Get an Instant HSA Health Insurance Quote
Get an Instant HSA Healthshare Quote
2. Compare premiums/monthly contribution amounts.
This will quickly give you a feel for which companies are most competitive in your area.
3. You may want to consider adding an $100 deductible accident policy. Stand-alone accident plans can be viewed on our Accident Plans page. Because these accident plans are very inexpensive, you may be able to keep your premiums lower while greatly reducing your exposure for the type of claim you’re most likely to need your health insurance for – an accident.
4. With both health insurance and most health sharing plans you may want to check the insurance company’s PPO or HMO network to see which doctors and hospitals are considered in-network providers. The link to each plan’s PPO or HMO network can be found on that company’s page on our site.
Note that some healthshare programs do not use a network, and allow you to see any doctor of your choice.
How to Apply for Coverage
Applying for HSA health insurance and establishing an HSA is quick and easy. Most companies allow you to apply online. Or you may simply print out an application and fax it to us at 866-284-0082, or mail in your application to the address below.
Apply Online
The easiest and most efficient way to apply for an HSA plan is online through a secure online application. This will enable you to avoid the hassles of filling out a paper application and will speed up the process by instantly transmitting your information directly to the insurance company. The application usually takes about 10 minutes to complete.
You may apply online by running instant quotes, and apply online for most plans we offer right from the quoting system's results page. Or simply select the apply online link below for the plan you are interested in.
If you are interested in a healthshare plan, you can get a quote on the MPowering Benefits HSA-qualified health share plan, and apply online.
Mail or Fax an Application
You can download an application for the plan you are interested in, print it out, fill in all the required information, and then either fax it to us toll-free at (866) 284-0082 or mail it to us at the address below.
What Happens After You Apply
When you apply for a health insurance plan through Colohealth, we immediately submit the information. We monitor your application during the whole process, and keep you informed. We use our experience and connections to make sure your policy gets issued as quickly as possible. If any additional information is needed, we’ll let you know. We will inform you as soon as you’ve been approved, and make sure you’re happy with your coverage.
We're Here to Help
As you've probably noticed, our website is comprehensive and should answer most of your questions. However, if you need personal assistance, we are happy to help. Simply pick up the phone and call us, or if you are already in communication with one of our Personal Benefit Managers, you can contact them directly.
If you’re unsure, you may want to schedule a telephone consultation before you sign up for a plan. We will help you fully analyze all your options, let you know the pros and cons of the various plans you are considering, and give you our professional opinion about which plans will best meet your needs. We’ll then help you get enrolled with the plan you choose.
How to Establish Your Health Savings Account
Once you have applied, you'll want to go ahead and set up your Health Savings Account. You are not required to establish an HSA, but by funding the account as soon as possible you'll be able to take advantage of the tax deductions and tax-deferred growth HSAs offer.
To establish your HSA, follow the steps below:
- Choose the bank or trustee you would like to administer your HSA.
- Fund your account no later than April 15th for the previous year.
- Decide how you want that money invested.
- Decide on a strategy for when you’re going to make withdrawals (see the How to Maximize Your Tax Benefits section below).
How to Maximize Your Tax Benefits
An HSA plan is really a pretty simple concept. You have a high-deductible health insurance plan you hope to never use, but if something big does happen, it will protect your assets and cover your medical expenses. There are a few things that can make a big difference in how much money you spend and how much money you accumulate in your account.
There are basically three different strategies on how to fund your HSA.
- Put no money in the account, except when you incur a medical expense. This strategy allows you to legally "launder" any money used to pay medical expenses. In other words, by depositing money into your HSA, then immediately withdrawing it to reimburse yourself for medical expenses, you are making your medical expenses all tax-deductible. You may want to use this strategy if you are on a tight budget and want to keep your cash outlay as low as possible.
- Fully fund the account, or at least put in as much as possible based on your budget. Take money out of the account any time medical expenses are incurred, and let the rest grow tax-deferred. This strategy will maximize your tax deduction, while making your HSA funds available to pay any non-covered medical expenses before your deductible is met.
- Fully fund the account, but pay all medical expenses from a non-HSA account. Reimburse yourself for medical expenses at a later date. This strategy will allow you to maximize your tax deduction and the tax-deferred growth of your HSA. You can then reimburse yourself, tax-free, at any time in the future for medical expenses incurred over the ensuing years.
To maximize the potential growth of your funds, you may want to make your HSA deposits as early in the year as possible. Any growth in your account is tax-deferred, like an IRA.
Take Full Advantage of Your HSA
Don't forget that every time you fund your account you get an instant tax deduction. When you offset the tax savings against your premiums, your net cost for an HSA plan can be very low.
The maximum allowable contribution goes up every year with the Consumer Price Index. If you are contributing to your account for 2024, the individual contribution limit is $4,150, and the family limit is $8,300. In 2025, that limit is $4,300 for individuals and $8,550 for families.
Review your options.
Rate increases for plans happen only in January, so make sure to review your options every year during open enrollment to make sure they’re still the best choice for you. Even if you switch to a plan without an HSA, the account and money are still yours to use; however, you simply can’t contribute to it anymore until you’re under another HSA-qualified plan
Often, people keep their plan much longer than they should, and end up paying much more than they should. If your rates go up, you can compare a wide variety of plans on our Instant Quote System. If you have your coverage through ColoHealth, we automatically do this analysis of available plans for you any time we are notified of rate increases.
Whether you pick an HSA with an insurance plan or a health share plan, HSAs plans are a great way to protect yourself while saving tax-deferred money. If you have any questions or would like to review your options, reach out to your Personal Benefits Manager or give us a call. We’d love to chat and help you through the process.
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
OneShare Reviews Section
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Faith-Based Support
I love that OneShare is grounded in faith and values. It feels meaningful to be part of a community that helps each other. Healthcare should always be like this.
Great for Families
Our family joined OneShare, and it’s been a huge blessing. The costs are reasonable, and the process is smooth. We feel secure and supported.
Exceeded my expectations
Their plans are affordable, and the customer service is top-notch. We’ve saved so much on healthcare costs, and the process is simple and transparent.
Slow customer service
I didn’t find OneShare Health to be as effective as I had hoped. The plan was affordable, but the process of getting reimbursed for medical expenses was slow and confusing. Customer service wasn’t very helpful either.
OneShare Health is a solid option for healthcare coverage
I’ve had mostly positive experiences, though I wish they offered more robust options for certain types of care. Still, the cost savings makes it worth it.
Low cost was enticing
I was excited about the low cost of OneShare Health, but the experience hasn’t lived up to my expectations. There were too many delays with claims, and getting help from customer service was frustrating.
Transparency
What sets Oneshare apart is its commitment to transparency and affordability. The pricing is clear, and there are no hidden surprises. This level of honesty in the insurance industry is refreshing. As a family man in my mid-40s, providing for my wife and kids is my top priority, and Oneshare has made quality healthcare accessible without breaking the bank.
Customer Support
In the world of health insurance, having reliable customer support is crucial. Oneshare excels in this department. Their team is knowledgeable, responsive, and genuinely cares about addressing our concerns. Navigating the complexities of healthcare is easier when you have a supportive team behind you. I’m grateful for the exceptional customer service Oneshare consistently provides, making our health coverage journey smooth and stress-free.
Oneshare's Effortless Claims Process
Oneshare’s claims process is nothing short of efficient. Navigating through paperwork and approvals can be daunting, but Oneshare streamlines the entire process. Submitting claims is a breeze, and the quick turnaround time for approvals means we can focus on what matters – our family’s well-being. This level of efficiency has made our experience with Oneshare exceptionally positive.
Oneshare: Putting Families First
As a husband and father, I appreciate Oneshare’s family-centric approach to healthcare. The plans are tailored to meet the diverse needs of every family member. Whether it’s preventive care or addressing specific health concerns, Oneshare has consistently demonstrated their commitment to keeping families healthy and happy. This kind of personalized attention is invaluable, and it’s the reason I confidently give them a 5-star rating.
Average Experience
OneShare Health is an average option for health insurance. The prices are reasonable, but the coverage is fairly limited. I’ve had some issues with the claims process being a bit slow, but nothing too serious.
Awesome health plan. 10/10 would recommend
I’ve been a OneShare member for four year, and I’ve had to file several sharing requests for myself and my family members Each time, it’s been an incredibly easy process.
The staff is always prompt and professional, and I’ve never had any issues getting my claims processed quickly.
Great Coverage at a Great Price!
OneShare Health has been a game-changer for me and my family. The coverage is comprehensive, and the prices are incredibly affordable. Plus, their customer service team is always friendly and helpful. Very happy to recommend them.
A Refreshing Alternative to Traditional Insurance
OneShare Health is a great option for anyone looking for an alternative to traditional health insurance. The prices are reasonable, and the coverage is comprehensive. I’ve been a member for over a year now and have been extremely happy with my experience.
Customer service has been stellar. The plan is easy to use, and it definitely saves me significant amounts of money compared to my Blue Cross premiums before I found out about the power of healthsharing!
Overall, I’m very happy with the plan, and recommend it highly.