One Share, One Voice | OneShare Health Blog

Looking Outside the ACA? Why Sharing Could Be the Right Fit

Written by OneShare Health | 3:00 PM on November 4, 2025

When it comes to managing your health care needs, the traditional options can often feel limited—or overwhelming. And with Affordable Care Act (ACA) marketplace rates (also known as Obamacare) projected to rise by as much as 80% for some individuals, you might be actively looking for more affordable alternatives outside the ACA marketplace.
For those seeking options beyond government-run health care plans or employer-sponsored insurance, there's a growing interest in alternative solutions that offer flexibility, simplicity, and community support. If you’re exploring non-ACA, non-Obamacare alternatives, a Health Care Sharing Ministry like OneShare Health might be the right fit.

Here’s why more individuals and families are considering faith-based Health Care Sharing.

Medical Cost Sharing is a Community 

OneShare Health is more than a medical cost-sharing solution; it’s a faith-based community that brings people together with shared values. Inspired by biblical principles like Galatians 6:2, "Carry each other’s burdens," OneShare Health encourages Members to support one another spiritually and financially during times of medical need.

You’re not just enrolling in a Program, you’re joining a Ministry that values compassion, stewardship, and wellness.

Health Care Sharing is Flexible

Whether you're self-employed, between jobs, or just looking for more control over your health care decisions, OneShare Health offers flexible Membership options to fit your lifestyle and budget. Programs include:

  • Classic Program: One of our most popular choices, offering access to a wide range of services including hospital visits, preventive screenings, and mental health support.

  • Catastrophic Program: Ideal for generally healthy individuals who want peace of mind for larger, unexpected medical needs.

  • CAT365 Program: A short-term solution for those in transition, providing 365 days of robust support at an affordable cost.

OneShare Health Programs are designed to meet the unique needs of families, singles, and individuals in transition, including those who have been recently laid off. We even offer Child-Only Memberships, making it easy to find a flexible, affordable Health Care Sharing solution for every stage of life.

Affordable Monthly Health Care Costs

Let’s face it, cost matters. Many people are stepping away from traditional health insurance because premiums under ACA (Obamacare) plans have become increasingly unaffordable. That’s why more individuals and families are turning to faith-based Health Care Sharing. At OneShare Health, Monthly Contributions start as low as $72.99 for the Catastrophic Program, $92.99 for the Classic Program, and just $82.99 for our CAT365 Program—a one-year solution ideal for those in transition. These affordable options make it easier to manage your budget without sacrificing access to essential support and care.

Additional Membership Features

OneShare Health goes the extra mile to support your health and well-being:

  • Virtual Urgent Care (Telemedicine): Available 24/7 with a $0 Visit Fee.

  • Prescription Discounts: Access to Rx Valet, Clever Health, and WellCard Savings helps you find the lowest price on medications.

  • Mental Health Support: Includes licensed therapists and a 24/7 chatbot for round-the-clock encouragement and care.

  • Provider Flexibility: Choose your own doctors. Network use is encouraged but not required.

A Simple, Supportive Experience

With an easy-to-use online Member portal, a knowledgeable support team, and a heart for service, OneShare Health is committed to making your experience simple and encouraging, no confusing paperwork or red tape. Just real support, from real people who care.

A True Alternative to Traditional Health Insurance

Choosing a health care option is personal, and if you're feeling like the ACA just isn’t working for your needs, it’s okay to look elsewhere. Faith-based Health Care Sharing offers an affordable, values-aligned alternative that supports your wellness journey. Physically, financially, and spiritually.

Ready to Take the Next Step?

Get a quote today and speak with a OneShare Health Specialist who can walk you through the options and help you find the right fit for your life.

You don’t have to figure it all out alone, we’re Better Together.