Frequently Asked Questions

Health sharing is a community-based way to handle medical bills. Members contribute a set amount each month, and those contributions are used to share one another’s eligible medical expenses. Many health sharing communities, including Patriot Share, are built around shared values and faith.

Patriot Share focuses on transparency, clear sharing amounts instead of complicated deductibles, and a supportive community of like-minded members.

No. Patriot Share is not health insurance. Health sharing is not an insurance company, product or policy, and it is not regulated as insurance by state insurance departments. Members are not “insured,” there are no insurance premiums, and the sharing of medical bills is voluntary among members — payment of any particular bill is not guaranteed.

Health sharing memberships do not have to meet the requirements that apply to Affordable Care Act (ACA) health insurance plans. Please review the program guidelines carefully before joining and consider whether health sharing is the right fit for your situation.

[TBD: confirm with OneShare: exact required “not insurance” disclaimer wording, including any state-specific notices]

In general, the process looks like this:

1. Pick your plan — choose a membership tier that fits your budget and supports your health journey.
2. See your doctor — select a provider and show your member ID card when you arrive for care.
3. Submit a sharing request — the team processes the details and handles the heavy lifting.
4. The community steps in — eligible costs are shared by the community, and an Explanation of Sharing is sent to you and your provider.

[TBD: confirm with OneShare: exact steps for submitting bills / sharing requests and typical processing times]

Instead of a complicated deductible, members have a clear Individual Sharing Amount: the portion of eligible medical bills you are responsible for before the community begins sharing. It makes your healthcare expenses simpler to understand and budget for.

[TBD: confirm with OneShare: ISA amounts for each plan, whether they apply per person, per family, per incident or per year, and how they reset]

Patriot Share is designed for growing families, young adults, independent contractors and gig workers, and small business owners looking for an affordable, community-driven alternative. Health sharing members generally agree to the community’s shared values and guidelines when they join.

[TBD: confirm with OneShare: eligibility rules — age limits, states served, statement of beliefs or lifestyle commitments, household rules]

Patriot Share offers multiple program tiers designed for different medical needs and budgets — for example, comprehensive Classic options for everyday wellness or Catastrophic plans for unexpected medical costs.

[TBD: confirm with OneShare: the plan options offered, what each one shares, and how members can change plans]

See our plans

Members make a monthly contribution (sometimes called a monthly share amount). Your total cost depends on the plan you choose, the people in your household, and your Individual Sharing Amount when you need care. Smart Virtual Care has a $0 consult fee.

[TBD: confirm with OneShare: monthly contribution amounts by plan and household size, and any enrollment or membership fees]

Health sharing programs commonly have special guidelines for pre-existing conditions, such as waiting periods or limits on how much can be shared for a condition that existed before you joined. Because these rules vary, please review them carefully or book a call before you enroll.

[TBD: confirm with OneShare: pre-existing condition rules and waiting periods]

Members select a provider and show their member ID card when they arrive for care. Members also get 24/7 Smart Virtual Care with a $0 consult fee for convenient access to healthcare professionals.

[TBD: confirm with OneShare: whether members can see any provider or must use a network, and any rules for hospitals, prescriptions or specialists]

Click Join Patriot Share to start your enrollment. If you’d like help choosing a plan or have questions first, book a call and we’ll walk you through it.

[TBD: confirm with OneShare: enrollment steps, start dates, and what members receive after joining (ID card, member portal)]

Health sharing memberships are typically month-to-month, and members can ask to cancel. Contact us and we’ll help you with the process.

[TBD: confirm with OneShare: how to cancel, required notice, and whether any fees or refunds apply]

We’re happy to help. Book a call for onboarding help or questions, send us a message through our contact form, or email info@patriotshare.org.