Universal Healthshare Plans

universal-healthshare-cover -ch

Healthcare cost sharing, commonly known as healthshare plans, are a low-cost alternative to traditional insurance. Every year, more Americans are making the switch to healthshare plans.

Universal Health Fellowship 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 benefits, and more.

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

Request a Quote and Join Now!

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 cost, 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.

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 visit, similar to a traditional copay.

All Universal Healthshare members also have access to:

  • 24/7 telemedicine with $0 fee
  • Annual routine doctor’s office visit
  • 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 contribution rate. Medical bills are shared with fixed-fee amounts, and have lower annual sharing limits.

Universal HealthShare Statement of Shared Faith and Principles

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 Principles.

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.

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

Q: How does Universal Healthshare work?

A: When a member has an emergency medical need, they must meet their plans Non-Shareable Amount (NSA) before cost-sharing is available. After the NSA is paid, the member’s hospital bill can be shared up to the plan’s annual or lifetime limit.

Most 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 medical bill can be submitted to Universal HealthShare and the funds will be sent directly.

For non-emergency medical needs, members must contact customer service first in order for expenses to be eligible for sharing. Members are encouraged to use the telehealth service for all non-emergency needs to ensure that all costs remain eligible.

Q: Is Universal Healthshare available in my state?

A: Universal Healthshare is available in 41 states. It is not available in Alaska, Hawaii, Illinois, Maine,  Maryland, New Hampshire, Pennsylvania, Vermont, Washington, or any U.S. territories.

Ready to Enroll in Universal Healthshare?

Our Personal Benefits Managers (PBM) are standing by to help you find the healthshare plan that’s best for you. Universal has seven different programs to choose from, each with different monthly and annual costs. Your PBM 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.


  • 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


  • 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