Keith and I signed up with Zion Healthshare a few years ago. It made sense for us. At the time, we were without any coverage, and even though we were healthy, I still worried about the chance of an unforeseen accident or sudden health crisis happening. We all know that in this day and age we live in, hospital stays are VERY COSTLY and can easily bankrupt a family. It’s unfortunate, too, that most of the traditional health insurances out there want to dictate the care you are allowed to have or the medications you need, even if these services and medications have been prescribed to you by your doctor! For some reason, the insurance company thinks they know best. When really they are just looking out for their bottom line.

From their website:

“Zion HealthShare operates by collecting monthly contributions from members to help share eligible medical expenses of the community. When a member faces a medical expense, they submit a sharing request for determination. The request is determined based on the community guidelines, and if approved, the expenses are shared using the collected contributions. Members are also responsible for an Initial Unshareable Amount (IUA), which they pay before the sharing process begins.

The specifics of what is eligible for sharing, along with the process for submitting and reviewing expenses, are outlined in the member guidelines. While some medical expenses may not be eligible for sharing, many members find this approach to be a cost-effective and flexible solution for managing their healthcare costs.”