Zion Health –

The Only HSA-Qualified

HealthShare Plan in Colorado

zionhealth logo

Lower your monthly costs AND get access to a tax-advantaged Health Savings Account (HSA)

In Colorado and across the country, more and more people are looking for ways to lower their insurance rates.

Health Care Cost Sharing (HealthShare) is emerging as one of the most effective ways to cut monthly health expenses. These low-cost plans are not health insurance, but rather a community of individuals who are committed to sharing the cost of healthcare. The result is a plan with lower rates, no network restrictions, and big rewards for individuals who like to stay healthy. 

Now, with Zion Health, Coloradans have access to one of the best health sharing plans in the country. It is also the only healthshare plan in the state that is specifically structured to work with HSA-qualified minimum-essential-coverage plan, making it one of the most effective cost-saving plans in the state. 

Request a Quote and Join Now!

What is healthcare sharing? (Healthshare)

With the skyrocketing costs of insurance premiums, more and more Americans are making the switch to health sharing plans. 

Never heard of health sharing plans? Here’s what you need to know. 

Health sharing plans: Overview

zion health bulletHealthshare plans are not insurance, but rather a community sharing program designed to help with large or unexpected medical costs.

zion health bulletHealthshare plans are about half the monthly cost of unsubsidized insurance.


zion health bulletHealthshare plans may have waiting periods on pre-existing conditions, and are a better deal for individuals who are in good health.

zion health bulletMany health sharing plans are faith-based, but Zion Health has plans available for everybody.


How Zion Health will lower your monthly health costs

zion preventive coverage

100% Preventive care coverage

Your plan will cover 100% of required preventive benefits. This includes annual checkups, important vaccinations, health screenings, and more. 

zion savings account

Tax-advantaged savings account

Your plan gives you access to a Health Savings Account (HSA), a specialized investment tool that makes it easy to save pre-tax dollars for healthcare costs. Your HSA contributions roll over from year to year, and grow on a tax-deferred basis. When you use your HSA funds on qualified medical expenses, the withdrawals are totally tax-free.

zion monthly contributions

Affordable monthly contributions

One average, health care sharing plans are about half the monthly cost of unsubsidized ACA insurance. Even if you do qualify for an ACA subsidy, health sharing plans do not cost as much as insurance. 

Zion Health Share: Colorado’s only HSA-qualified healthshare plan

Zion Health is dedicated to lowering the cost of healthcare for its members while also providing access to the tax-advantaged benefits of a Health Savings Account (HSA).

zion hsaWhat is a Health Savings Account (HSA)?

Health Savings Accounts (HSAs) make it possible to set aside pre-tax money to pay for future medical costs. Your HSA contributions are allowed to grow on a tax-deferred basis, and withdrawals are tax-free if used for medical expenses.  

For  individuals who don’t use their health benefits that often, HSAs are a great way to boost your retirement strategy. HSA funds can also be invested in other stocks and assets, increasing the value of this remarkable account. 

zion hsa-qualifiedWhat makes a healthshare plan HSA-qualified?

Your Zion Health sharing plan is considered HSA-qualified when paired with a MEC Preventive Health Insurance Plan. These low-cost plans are only designed to cover preventive care benefits, including annual checkups, vaccinations, and certain health screenings.

How it works:

Using your Zion Health sharing plan is a piece of cake. In fact, it works a lot like a traditional insurance plan, with a few important differences:

1. Decide if Zion Health is a good option for you

Health care cost sharing is not for everybody. These plans come with waiting periods for pre-existing conditions, and tend to be a better deal for people who don’t use their health insurance that often.

In addition, all Zion Health members are required to comply with the Zion Principles of Membership. This includes committing to good health measures and abstaining from illicit or illegal drugs. Tobacco users will be required to pay a higher contribution amount.  

2. Choose your membership options

Just like traditional health insurance, you can choose from three different plan options. Each option has different monthly costs (contributions) and out-of-pocket requirements (Initial Unshared Amount or IUA).

Your personal benefits manager can help you decide which plan option is best for you. 

3. Pay your monthly contribution & maintain eligibility

A member’s health costs are only eligible for sharing if their monthly contributions are being made. If a contribution is not made within thirty days from the billing date, the membership will become inactive.

In addition, all members agree to continue to adhere to the Zion Health Principles of Membership, which are designed to encourage good health and member accountability.

4. Submit your medical needs to Zion Health

In order for medical expenses to be shared, proof of expense needs to be submitted to Zion Health within 6 months. After that, Zion Health reviews the documentation to determine whether the cost is eligible for reimbursement according to the Guidelines.

Zion Health’s team will also work with your providers to negotiate the bill and payment options if necessary.

5. Learn how to use your Health Savings Account (HSA)

After enrolling in Zion Health, your Personal Benefits Manager can help you get your HSA up and running. By meeting your annual HSA contribution and only using the funds for medical expenses, you are maximizing the amount of money you can save.

READ MORE: Health Savings Account (HSA)

Get a no-cost consultation for Zion Health Sharing in Colorado

Ready to find out how much you could be saving on healthcare with a Zion Health Sharing Plan? You can enter your zip code below to compare rates, or call 800-913-638 to set up a no-cost consultation with one of our expert Personal Benefits Managers.


  • 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

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