For Individuals

Fewer Risks Financially

For Medical Costs of all Amounts


For Urgent and Non-Urgent Care


We are compliant in all states — even states with penalties, including DC, MA, NJ, CA, and VT

Preventive services are included with the Minimum Essential Coverage Plan

Access Health Savings Accounts


Monthly Contribution:

Initial Unshareable Amount (IUA)

$1,000 IUA

$2,500 IUA

$5,000 IUA

Member Only




Member + Spouse




Member + Child




Member + Family




Note: This program is NOT health insurance – The sharing community is managed by Zion Health, a Utah Medical Cost Sharing Benevolence Organization.


Virtual Visits
Chat with your medical provider from anywhere, using our HIPAA-compliant platform on any digital device. You’ll have access to:

  • Behavioral Healthcare Providers
  • Digital Communications
  • Referrals to specialists and in-office care
  • Treatment follow-ups
History of HealthShare


HealthShare began in the 1980s by a pastor in Ohio after being injured in a vehicle accident. The local religious community joined together to help pay for the medical bills. Following the Bible’s teachings, this community wanted to share its health sharing with others and thus began HealthShare.

Presently, the HealthShare community follows the same crowdsourcing system. As an alternative to traditional complex medical insurance, which is often complex, HealthShare isn’t confusing. HealthShare members save more money due to the freedom and flexibility of the program.

Pivotal Health was started by following the same medical cost-sharing techniques. It is our goal to make HealthShare accessible to more people so everyone can afford the medical care they deserve.

  • ACCEPTANCE GUARANTEED: Never be declined for pre-existing medical conditions or religious affiliation

  • MEDICAL COST SHARING: Amongst the community, medical costs are shared.

  • HEALTHY LIFESTYLE: Promoting Healthy lifestyles and habits make our community stronger.

  • ATTENTIVE CARE: Your medical treatments are processed quickly (within 5 days).

  • MORE FREEDOM: Choose any medical provider. There are no network restrictions.

  • NO CAPS ON INSURANCE: There are no annual or lifetime caps with HealthShare.

  • MEMBERSHIP: Your membership contributions can be made through your employer or a direct primary care practice.

  • ACCESS EVERYWHERE: Medical cost-sharing is available anywhere in the US and abroad.

* Medical Cost Sharing is a lower cost alternative to conventional health
insurance, it is NOT INSURANCE. Please visit:
page/ For our most up to date guidelines.
Life Care

Life Care improves your health by changing harmful habits such as substance abuse. It also improves stress, anxiety, depression, relationship issues, and more.

Coverage Plan Details

As outlined by the Affordable Care Act (ACA), your coverage provides 64 preventive and wellness services. The preventive services give you access to flu shots, wellness check-ups, and diagnostic testing. Keeping up with your preventive care encourages optimal health.
Also included are:

  • Annual physicals
  • Lab tests
  • Mammograms
  • Colonoscopies

Check out the entire list here.

The plan follows the MED guidelines to meet individual mandates.

Care Concierge

Navigating the Healthcare System

Our dedicated agents assist you with all of your medical needs. Our concierge team assists you in finding the highest quality care in-person or virtually at the best price. Our agents assist in price verification and negotiating services under $5,000. For services over $5k, we suggest Care Connect.

Prescription Drug Benefit Plan

An easy way to manage medications

Our HIPAA Compliant platform searches six pharmaceutical markets to find the best prices for our members.

  • Our plan gets you the best prices on all of your prescriptions with no mark-ups and additional fees.
  • Just enter your prescription information, and we produce a list of pharmacies that carry it along with the price.
  • Review pharmacies and prices to determine which location is best for you.
  • Utilize manufacturer savings programs and other healthcare assistance programs to receive even more discounts.
  • Utilize overseas options to get even better prices on your medications.
Compatible With Health Savings Accounts

Utilize your tax-advantaged medical savings account in correlation with our plan to pay for medical expenses.

  • Funds stay in your account even if you change jobs or retire
  • Roll over money in your HSA year after year. Your account earns tax-free interest. 
  • Another retirement source: after age 65, the money in your HSA can be used for anything. 
  • Explore self-directed investments to grow your healthcare and retirement account. 
Personal Medical Records

View Your Personal Health Records on Our Secure and Accessible Platform

Keep track of your medical records and send your info to other providers and specialists. Our health portal keeps all of your sensitive medical data secure.

QR LifeCode

Get 24/7 access to emergency care with Personal LifeCode. This innovative system gives medical professionals instant access to your medical records.

Your LifeCode ID gives you instant access to a secure emergency medical profile. The information is encrypted and safe to share with medical professions to ensure optimal healthcare outcomes.

Discounts for Medical Services
Get access to medical specialists, wellness products, and more healthcare resources not covered by traditional medical insurance. Use the digital healthcare portal to explore the discount options in your region. You’ll never have to worry about lengthy claims or pre-authorizations. Additional benefits include:

1. Extra Savings: Get complementary and alternative medical treatments with less out-of-pocket costs.
2. Holistic Care Access:  Want to visit a chiropractor or holistic medicine provider? Use our discounts to visit the providers of your choice.
3. Convenient: Use easy-to-print coupons to save more when visiting the provider of your choosing.

Get access to medical specialists over the phone or via virtual visits.

For Individuals

Our plans offer control over your medical care and treatments, saving you time and money. We prioritize you without sacrificing coverage or quality.

For Families

Medical care for the family is essential. Access family medical professionals in your area to support your family’s healthcare needs.

For Employers

Self-employed individuals and business owners want healthcare solutions. Our program offers easy access to affordable healthcare at all times.

Request Information

    DISCLAIMER: *This program is NOT health insurance – The sharing community is managed by Zion Health, a Utah Medical Cost Sharing Benevolence Organization.

    Zion Health is not an insurance company. Neither this publication NOR membership in Zion Health are issued or offered by an insurance company. The purpose of these membership guidelines is to help Members understand and identify medical needs that qualify for potential reimbursement and the process by which reimbursements are made. The membership guidelines are not for the purpose of describing to prospective Members what amounts will be reimbursed by Zion Health. While Zion Health has shared all Eligible Needs of its Members to date, membership does NOT guarantee or promise that your Eligible Needs will be shared. Rather, membership in the Zion Health community merely guarantees the opportunity for Members to care for one another in a time of need and present their medical needs to other Members as outlined in these membership guidelines. The financial assistance Members receive will come from other members’ Monthly Contributions that are placed in a Benevolent Fund, and not from Zion Health.

    This publication and membership in Zion Health should never be considered a substitute for a health insurance policy. If the membership is unable to share in all or part of a members eligible medical needs, each member will remain solely financially liable for any and all unpaid medical needs. These guidelines do not create a legally enforceable contract between Zion Health and any of its members. Neither these guidelines, nor any other arrangement between members and Zion Health, create any rights for any member as a reciprocal beneficiary, a third-party beneficiary, or otherwise. An exception to a specific provision of these guidelines only modifies that particular provision and does not supersede or void any other provisions. The decision by zion health to reimburse a member’s eligible needs does not and shall not constitute a waiver of this provision or establish by estoppel or any other means any obligation on the part of Zion Health to reimburse a member’s eligible needs.