Sharing is an Affordable, Freedom-Focused Solution to Traditional Healthcare
We are not health insurance, we are health care that pays 99% of qualified shareable expenses in the first 30 days. Monthly contributions are up to 40% less than a typical health plan monthly premium.
Affordable Monthly Payments
Anytime Enrollment
Freedom-Focused HealthCare
Flexible Program Options Tailored to Your Needs
Begin your Journey toward Health, Wellness, and Affordable Care.
At Universal Health Fellowship we are committed to inspiring individuals and families to prioritize their well-being while experiencing the freedom and savings that come from sharing healthcare costs.
When Sharing is Caring.
Universal HealthShare programs are health care cost sharing programs from Universal Health Fellowship. Our programs are faith-based and inclusive, and are built on ethical, spiritual, and religious beliefs, as well as the traditions of community aid, neighborly assistance, and the sharing of burdens. In the simplest terms, we embrace The Golden Rule.
Acceptance
Our community is based on acceptance of our Statement of Shared Faith and Beliefs.
Affordable health care
Whether you are a family or small business looking for health care, consider sharing as the alternative.
+ 2 million Americans
Over 2 million Americans have turned to health cost sharing programs.
We can help
Universal Health Fellowship is here to help you explore whether sharing is right for you.
Our Fellowship & Our Mission.
The sharing economy, thousands of years old, has its roots in basic community sharing developed to support individuals and their families. And for years, spiritually minded people have shared resources with each other to help others overcome financial emergencies, such as medical expenses.
Health care sharing programs differ greatly from insurance in several important ways. Understand the difference and you will be able to understand why sharing programs may be the right choice for you.
Healthcare Sharing Benefits
Health Care prices and deductibles are rising faster than our income, and traditional health insurance products are offered by huge business interests under a complex web of rules and regulations. The results are clear: many traditional health insurance plans are too expensive for many Americans, leaving them either uninsured or underinsured.
Monthly contributions are up to 40% less than a typical health plan monthly premium
Both in- and out-of-network provider options
Access to telemedicine
$0-cost prescription program UHSRx™ included in UHS sharing programs*
Eligible health expenses shared with thousands of UHF members
Over 20 health cost sharing programs
Universal News Share
Inspiring Paths to Better Health
“I have been a UHF member for the last several months. I am young and healthy and just needed some coverage just in case. The cost of coverage was great in comparison to other companies. When I needed to see a doctor, I called customer service and they helped me every step of the way.”
Hyatt S
“UHF has a conscious heart and works for the good of its people. We are not a number to UHF. We are actually human beings.”
Andrew M
“The customer service reps at UHF are consistently wonderful! They take my calls, look into resolving my issues or at the very least, providing answers to solve my questions. I feel extremely fortunate to have them as my team.”
Jacqueline K
“UHF is downright amazing! I have a rather unique situation which makes finding reasonable healthcare next to impossible. They went above and beyond to find me a program that is not only comprehensive but extremely affordable.”
Jim B
Get in Touch
Contact your agent or broker and tell them you’re interested in a UHS health cost sharing program. If your agent doesn’t offer UHS programs, give UHF a call at 888-636-7119 or email at info@universalhealthfellowship.org.
Frequently Asked Questions for all UHS Programs
Universal Health Fellowship (UHF) is a not-for-profit health care sharing ministry established using the basic principles of the Unitarian Universalist Church as our guide. UHF has branded its health care cost sharing program Universal HealthShare (UHS). Universal HealthShare members are a community of people who participate in voluntary health sharing of eligible medical expenses and accept our Statement of Shared Faith and Beliefs.
The UHS Sharing Guidelines serve as an essential resource for members, outlining how the health care cost-sharing ministry operates. This document has two key purposes:
- It explains how members monthly contributions are allocated to support eligible medical expenses within the community.
- It defines which medical expenses are eligible for sharing based on the community’s agreed-upon guidelines.
Members can access the most up-to-date Sharing Guidelines by logging into their Member Portals by using this URL - https://member.universalhealthfellowship.org/login
No, sharing and insurance are very different. We are a community-based expense sharing program. And what that means is, when someone in the community's barn burns down, the entire community comes together to help them rebuild the barn.
This is the way WE BELIEVE insurance SHOULD be, but unfortunately this isn’t the way it’s done today. Major carriers are denying members at 40% in some cases - we absolutely will never be that.
Sharing contribution amounts are based on the same actuarial data that major insurance companies use, but we’re not paying multi-million-dollar salaries AND we don’t allow everyone into the program. You aren’t responsible for covering someone who can’t pay their premium OR who is critically sick. Everyone in our program is playing on the same even field - and everyone works together with contributions to cover one another - true group coverage.
Just like insurance, Universal HealthShare offers different program tiers to fit various needs. Some plans have higher deductibles/Non-Shareable Amounts (NSA), while others have lower ones. You can also choose between individual or family programs, all of which factor into the total cost.
Instead of a monthly insurance premium, you send a voluntary monthly share amount or contribution to UHF that is applied to your sharing account to support members with eligible health care expenses. When you have an eligible medical expense (a “Medical Need”), sharing funds from other members can be used to help you meet that expense.
Instead of paying a monthly insurance premium, members contribute a set amount each month to help support others in the community with eligible medical expenses. When you have a medical need that qualifies for sharing, funds from other members are used to help cover your costs. It’s a way for members to support one another, like neighbors helping neighbors with their healthcare expenses.
A few states have enacted an individual mandate requiring residents to have minimum essential health insurance coverage (an “Individual Mandate”) and imposing a financial penalty on those who have no qualified health insurance and have not qualified for an exemption (a “State Tax Penalty”). Examples include CA, MA, NJ, RI, VT, and DC. Most states with an Individual Mandate have an exemption from the State Tax Penalty for members of HCSMs that meet state requirements (a “State Exemption”). Please consult your state tax laws to determine if you may be subject to an individual mandate. Click here to learn more.
Many states have published legal notices to inform their constituents about sharing organizations. To read notices from all states that have issued them, click here.
Consultation fees work like an insurance copay. Instead of copayments, UHS members pay a set fee per visit, which varies by service type and program. Please consult the Sharing Guidelines for details.