Altrua HealthShare plans may be the perfect affordable alternative to Obamacare. Altrua HealthShare is a nationally recognized             Health Care Sharing Ministry. These types of plans have over 600,000 members who participate in sharing with one another's medical needs.


  • Altrua HealthShare plans (AHS) are a faith-based alternative solution to the problems of rising health care costs and expensive health insurance policies.

  • AHS is recognized as "creditable coverage" and members are exempt from the penalties assessed to those who do not have insurance.

  • AHS plans are not subject to all of the regulations and mandated, normally unneeded, benefits required under Obamacare (the Affordable Care Act).

  • AHS offers a nearly unlimited choice of doctors and hospitals.

  • AHS membership is not health insurance even though it looks, feels, and acts like regular health insurance..

  • AHS is an excellent option for people looking to lower their health insurance premium and out of pocket costs.

  • AHS has nearly 30 years experience in offering an alternative to traditional health insurance.

  • AHS is part of a 600,000 strong membership of people with like minded healthy lifestyles.

  • AHS members do not participate in subsidizing or paying for unhealthy lifestyle choices others make which continue to add to the rising cost of traditional health insurance.

  • AHS does not pay for elective abortions unless medically necessary to protect the mother’s life.

  • AHS plans have a 24 month waiting period for pre-existing medical conditions, however, prescription drugs and doctor office visits related to pre-existing conditions will be covered during the waiting period.

  • AHS has had no rate increase for the last 9 years.

  • AHS does not pay for mental, psychiatric, learning, autism, behavioral eating, hyperactivity, and attention deficit disorders, nor do we pay for alcohol/substance abuse counseling.

  • AHS can add riders, waivers, charge additional premium for certain health conditions, and can decline an application for membership.

  • AHS plans have a hazardous hobbies, recreational, and activities limitation of $5,000 per need. Members do have the option of increasing this limit.

  • AHS operating expenses are extremely low compared to insurance companies.

  • AHS will not cover any treatment of cancer during the first twelve months of membership. Prostate, breast, cervical, endometrial, and ovarian cancers will not be covered unless and until early detection testing requirements are followed.  Please refer to the Altrua HealthShare Member Guidelines.

  • AHS does not pay company executives hundreds of millions of dollars in salaries.


          Click on the link below to download and read the member guidelines for additional and more detailed information about ALTRUA                      HEALTHSHARE plans.