Health care cost sharing allows members of our community to help with each other’s medical needs.
Here’s how it works
When you join Universal HealthShare, you’ll receive a Membership Card and Sharing Guidelines outlining your program details and sharable medical expenses.
To help keep costs low, members are encouraged to use in-network providers. Universal HealthShare partners with the Multiplan/PHCS network, offering access to over 700,000 providers. However, members may also see out-of-network Primary and Specialist providers. Check provider eligibility here and confirm participation before your appointment.
At your visit, pay your consultation fee (listed in the Sharing Guidelines and on your card), then have your provider bill Universal HealthShare for the remaining amount.
Universal Health Fellowship will review and make determinations on every sharing request based on the Sharing Guidelines.
Healthcare on your terms with the flexibility you deserve.
STEP 1
See a doctor anytime with $0 telemedicine visits or choose from over 700,000 in-network providers for in-person care.
STEP 2
Show your Universal HealthShare Membership Card at your visit—just pay your consultation fee, and your provider bills UHF for the rest.
STEP 3
For eligible services, UHF pays the shareable portion directly to your provider, and you’ll be billed for any remaining balance.
Is Health Sharing Right for You?
Health care cost sharing isn’t for everyone, but for many—especially those seeking affordable alternatives to traditional employer-sponsored plans—it’s a smart solution. Universal HealthShare programs offer individuals, families, and small business employees a way to share medical costs within a supportive community. Health sharing may be a great fit for:
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Small business workers
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Trade professionals
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Gig economy workers
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Unemployed
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Part-time workers
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People seeking more affordable healthcare
Why Choose Health Sharing?
Traditional health insurance costs are rising faster than our incomes, making coverage unaffordable for many Americans. Complex regulations and high deductibles leave millions either uninsured or stuck with low-value plans that don’t meet their needs. Many people are forced to choose between paying high premiums or going without coverage altogether.
For over 30 years, health-sharing ministries have provided a proven alternative, with more than two million Americans participating in these programs. Universal HealthShare empowers individuals and families with an affordable, freedom-focused solution to managing medical expenses—offering flexibility, transparency, and a focus on overall wellness.
With Universal HealthShare, you get:
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Lower monthly costs compared to traditional insurance
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The freedom to choose from over 70,000 healthcare providers
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A supportive community that shares in medical expenses
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A focus on wellness and healthy lifestyles for you and your family
Who Can Join?
Universal HealthShare is for individuals and families who are proactive about their health and seeking a cost-conscious solution to rising health care costs. Our members share a commitment to smart health choices and responsible healthcare decisions. By prioritizing wellness and excluding expenses related to avoidable, high-risk behaviors, our programs help keep costs lower for the entire community.
Members of our sharing programs are required to subscribe to our Statement of Shared Faith and Beliefs, which are inspired by the Seven Principles of the Unitarian Universalist Church.
Want to expand your portfolio?
Health sharing is also a choice for growing numbers of independent agents and brokers who offer health care solutions to their clients.
