5 Reasons Insurance Premiums Are Out of Control

If you’ve opened a health care bill recently and felt your heart skip a beat, you’re not alone. The cost of medical services has continued to climb, and many families and individuals are wondering if there’s any relief in sight.

The good news? There is.

At OneShare Health, we believe there’s a better way, a more affordable, faith-based alternative that puts community and compassion at the center of your health care journey. Let’s take a look at five key reasons traditional insurance costs are out of control, and how OneShare Health offers a different path forward through Health Care Sharing.

1. Rising Medical Costs

From hospital stays to prescription medications, prices for medical services have risen steadily. Even simple procedures or routine lab work can carry unexpected price tags.

How OneShare Health Does It Differently:
Instead of feeding into a profit-based system, OneShare Health Members share each other’s Eligible medical needs through a Christian community committed to lifting one another up. Monthly Contributions begin at just $72.99 for the Catastrophic Program and $92.99 for the Classic Program, often helping Members save hundreds each month.

Plus, Members can compare costs before scheduling care, helping ensure fair, predictable pricing with no surprises.

2. Administrative Overhead

In many traditional models, a significant portion of your monthly premium goes toward layers of paperwork, billing departments, and approvals, not actual medical care.

How OneShare Health Does It Differently:
Our approach is simple. Members submit Sharing Requests through a streamlined process designed to keep administration low and compassion high. This allows more of your Monthly Contribution to go where it matters, toward helping other Members with Eligible needs.

3. Lack of Price Transparency

With insurance, it’s hard to know what you’re paying for until the bill arrives. This lack of clarity makes budgeting nearly impossible.

How OneShare Health Does It Differently:
With tools like the First Health Provider Locator, Rx Valet, Clever Health, and WellCard Savings, Members are empowered to compare local provider and prescription prices before receiving care. But you’re not alone — our Care Team is here to help. Whether you're trying to find an in-network Provider or need support understanding a bill, our team can guide you and even help negotiate pricing when needed. Many Members report savings of 30% to 70% just by checking pricing in advance and working with our team.

4. One-Size-Fits-All Plans

Traditional insurance is often bundled with services you may never use. You end up paying more for less flexibility.

How OneShare Health Does It Differently:
We offer flexible Programs to fit real life:

The Classic Program is ideal for individuals or families looking for a wide range of medical needs sharing.
The Catastrophic Program serves those in good health who want essential peace of mind at a lower Monthly Contribution.
The Catastrophic365 (CAT365) Program is a robust, temporary option for those between jobs, self-employed, or navigating changing circumstances.

With OneShare Health, you only share in what makes sense for your life and budget.

5. Limited Flexibility and Control

Insurance often limits your ability to choose your own providers, enroll outside of specific windows, or cancel without penalties.

How OneShare Health Does It Differently:
You’re in control:

Enroll at any time, no Open Enrollment windows.
Cancel anytime with no penalties.
Activate your Membership as early as the next day.
Choose your own Provider, in or out of the First Health network.
Enjoy 24/7 Virtual Urgent Care through the Clever Health Smart Virtual Care App, with no extra cost.

A Better Way to Share in Health Care Costs

OneShare Health isn’t insurance, and that’s the beauty of it. It’s a community of believers committed to lifting each other’s burdens through faith, compassion, and shared responsibility.

More than $270 million in Eligible medical needs have already been shared among our Members across the country. With a Christ-centered approach and Programs designed for flexibility and affordability, we’re helping more people say goodbye to financial stress, and hello to peace of mind.