Universal HealthShare Programs

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Request a Universal Healthshare Quote and Join Now!

Healthcare cost sharing, commonly known as healthshare programs, are a low-cost alternative to traditional insurance. Every year, more Americans are making the switch to healthshare programs, and Universal Healthshare is leading the way.

Universal Health Fellowship (UHF) is a non-profit health care sharing ministry offering seven different sharing programs. This guide takes a closer look at plan options, monthly cost, additional member features, and more.

[New to Healthcare Cost Sharing? Click Here for a more in-depth explanation of how Healthshare works

Medical Cost Sharing Programs from Universal Health Fellowship

Universal HealthShare has up to seven different sharing programs to choose from. Each program has a unique monthly sharing amount, as well as a specific Non-Shareable Amount (NSA). The NSA is the amount that the member must pay each year before medical costs become eligible for sharing, with some exceptions as noted in the UHF Guidelines.

There are a number of exceptions to the member NSA, which include some primary care, urgent care, and specialist care visits. Instead, members pay a one-time consultation fee for each eligible visit.  The office visit charge is shared and members are responsible for any out of pocket charges until the NSA is satisfied.  

Once the NSA is satisfied the members Co-Share is used to determine how eligible medical charges are paid.  Please refer to UHF Guidelines for details.

All Universal HealthShare members also have access to:


24/7 telemedicine with $0 fee

includes the entire family whether they are a member or not

annual routine

Annual routine doctor’s office visit

 this along with Member wellness and prevention programs are limited to $500 per year per member.

member wellness

Member wellness and prevention programs




UHS SmartShare – An Even More Affordable HealthShare Plan

UHS SmartShare is designed for members who want to keep their costs even lower. This program offers more limited cost sharing, but also has the lowest monthly sharing amount. Eligible Medical bills are shared with fixed-fee amounts, and have lower annual sharing limits.

Universal HealthShare Statement of Shared Faith and Beliefs

While some health sharing programs require that members sign a strict statement of faith, there is no such requirement with Universal Healthshare. Instead, members voluntarily agree to a Statement of Shared Faith and Beliefs.

The statement is composed of seven tenets, which include belief in spiritual growth, healthcare independence, peace, compassion, community building, and duty towards family and community members, among others. You can view them in the Universal HealthShare Guidelines.

Universal HealthShare FAQ

Q: Does Universal Healthshare cover pre-existing conditions?

A: Yes, but with a one-year waiting period. During the second and third year of membership, pre-existing conditions are eligible for sharing up to $50,000. On the fourth membership year, the condition is no longer considered pre-existing and is eligible for full sharing (up to plan limits).

Q: Which hospitals and providers can I use with Universal Healthshare?

A: Universal Healthshare members can use any hospital in the U.S. for emergency care However, if the visit is not an emergency, then the member must contact Universal Healthshare before hospital admission. These visits will use the Multiplan/PHCS Provider Network, which has over 700,000 locations nationwide.

Q: How much does Universal Healthshare cost?

A: Universal HealthShare programs start at around $186 per month. Your actual monthly sharing amount will depend on which specific sharing program you enroll in. Remember: The program with the lowest monthly rate is not always the most affordable overall, especially if you expect to use your sharing program.

Q: How does Universal Healthshare work?

A: When a member has an emergency or a medical encounter, they are free to visit a provider anytime but their program may or may not share the expenses.

Most of the programs have a list of eligible medical expenses, waiting periods, pre-existing limitations and members must satisfy their program’s. Non-Shareable Amount (NSA) before cost-sharing is available. After the NSA is satisfied, the member’s hospital expenses can be shared up to the plan’s medical incident limit and annual limit.

In Most cases, hospitals will accept a Universal HealthShare Membership Card, and will then submit the expenses directly to Universal Health Fellowship. A smaller number of providers may choose to treat the member as a cash-paying patient. In this case, the member’s eligible medical expenses can be submitted directly to Universal HealthShare to determine the eligibility of the services and available reimbursements.

Always keep in mind, in most cases, a member must satisfy their NSA first prior to sharing. Members must notify UHF for all scheduled hospital procedures.

UHF also has a special team to help you navigate the challenges of the healthcare system and support your use of UHF health programs. If you are anticipating a surgery they can help you solicit up to 3 hospital quotes, as well as help you apply for any available financial aid.

For non-emergency medical needs, members can use telemedicine or they can visit a physician or urgent care facility subject to waiting periods and their program’s NSA).

Q: Is Universal HealthShare available in my state?

A: Universal HealthShare is available in 39 states. It is not available in Alaska, Connecticutt, Hawaii, Illinois, Iowa, Maine, Maryland, New Hampshire, Pennsylvania, Vermont, Washington, or any U.S. territories.

Ready to Enroll in Universal Healthshare?

OOur Personal Benefits Managers (PBMs) are standing by to help you find the healthshare program  that’s best for you. UHF has seven different programs to choose from, each with different monthly sharing amounts and different NSAs or out of pocket responsibilities. Your Personal Benefits Manager can help you determine which one is the best fit.

Click here to get your free consultation. Once you sign up, your PBM will become your personal healthshare advisor, there to help you with your healthcare needs for as long as you have your plan.

Health Insurance Instant Quote


  • 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

Learn More About Colorado Health Insurance Plans

Healthshare Instant Quote


  • 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

Learn More About Colorado Healthshares Plans

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