That’s the national average for full-price plans, and some states are far higher. Healthcare costs are rising everywhere. Ours haven’t. WeShare Health hasn’t raised rates in more than five years with no change in access to quality care.
Where do you live?
Choose your state
100K+
Members served
A growing community choosing a different way to pay for healthcare.
1M+
Provider network
Access doctors and specialists through PHCS, one of America’s largest PPO networks.
68K+
CVS Caremark pharmacies
Save on prescriptions at participating pharmacies nationwide.
$70M+
Bills shared
Over $70 million in medical bills shared by the WeShare Health community.
Every state’s average 2027 increase for individual ACA plans, before subsidies. Some rates are final. Others are still proposed and could change.
2027 average increase
3%
15.6% avg.
28%
Your state
WeShare not available
Hover or tap a state for details. 13 states still have proposed rates, marked in All states.
To see another state, pick it from the menu up top or find it in All states below. 13 states still have proposed rates, marked in the table.
Increases are individual-market averages before subsidies. Proposed rates could still change.
Final rate
+27.9%
Average 2027 increase
National average
15.6%
Vs. national average
12.3 points higher
Rank
1st of 51
WeShare Health isn’t available in this state.
Choose another stateSources: Families USA (national average).
WeShare Essential starts at $113 a month.
Instead of paying $113 more for the same coverage, you could have an entire WeShare Health membership: telehealth, preventive care, prescription sharing, wellness perks, and more all included.
Average monthly cost, individual
ACA figures are national average full-price premiums for unsubsidized enrollees (ACA Signups, Sep 25, 2026). 87% of 2026 marketplace enrollees got subsidies that lower what they pay (Families USA). WeShare Health is not insurance.
If any of these sound like you, a premium increase could impact your budget. WeShare Health is here to make sure you’re not facing rising costs alone. We got you.
When you don’t have an employer helping carry the cost of healthcare, WeShare Health’s community of members can lighten the load.
Multiple options for annual out-of-pocket maximums, including a $0 option, provide families flexibility.
WeShare Health doesn’t base monthly contribution amounts on annual income, so you’ll never pay more for your hard work.
Healthcare sharing isn’t insurance. It’s a community of members who each contribute a monthly amount to help pay for each other’s eligible medical bills. WeShare Health facilitates the sharing so you can focus on your health.
Find the WeShare membership that fits your healthcare needs and budget. Each one gives you a different balance of monthly cost, everyday care, and added support.
Go to the doctor, urgent care, or pharmacy much like you do today. See doctors and specialists through our nationwide PPO network, virtually through Doctronic or Amwell, or at any CVS MinuteClinic location.
Your provider sends the bill to WeShare. We apply available network discounts, review eligible expenses, and process them according to your program guidelines. And if you have questions, real people are here to help.
Hear from WeShare Health members about their healthcare sharing experience.
Switching to WeShare saved my family thousands, and I kept my own doctor. The team walked me through every step.
I was skeptical about health sharing, but WeShare made it simple. Bills were handled fast and the app is easy to use.
Best decision we made this year. The savings are real and support is friendly and human — no bots, just real people.
After losing my job I needed affordable coverage. WeShare had me set up in minutes at a fraction of COBRA.
Healthcare sharing is a modern alternative to traditional health insurance. Instead of paying premiums to an insurance company, members voluntarily make a monthly contribution to help share the eligible medical expenses of other members in the community. It's a not-for-profit, member-to-member approach to managing health care expenses.
Traditional insurance is a contract: you pay a premium, and the insurer is legally obligated to pay covered claims. Healthcare sharing works differently: members voluntarily participate by making monthly contributions that help share eligible medical bills among members. Members may benefit from potentially lower monthly costs, more flexibility, and a community built around shared responsibility rather than profit.
In many cases, yes. WeShare Health's PPO network includes more than 1 million doctors and specialists nationwide, so there's a strong chance your current provider already participates. When scheduling your appointment, provide your WeShare member ID and ask the provider to confirm that they participate in the PHCS PPO Network. If they have questions, please direct your provider to call Member Care at 800-900-8476.
WeShare Health is designed for individuals and families who are willing to maintain a proactive, healthy lifestyle and who agree with WeShare Health's community guidelines and shared values. Eligibility also depends on the state you live in and the specific program you're applying for. Residents of Alaska, Hawaii, Massachusetts, Montana, North Dakota or Washington are not eligible.
You can apply to join WeShare Health at any time — there's no restricted open-enrollment window like there is with ACA marketplace plans. This flexibility is one of the reasons healthcare sharing appeals to people between jobs or those who missed a traditional enrollment deadline.
WeShare Health is built to be flexible for people who don't want to be locked into a long-term contract or have changing needs. You can reach out to our Member Care team at 800-900-8476 to change or cancel your membership at any time.
Because WeShare Health is a non-profit built to serve members rather than maximize profit, and because membership includes a screening and guidelines process, the community can offer meaningfully lower monthly costs than many traditional insurance or ACA plans — while still providing access to a large national provider network.
WeShare Health doesn't use the term "deductible" the way insurance does, but most programs include an Annual Member Care Share (AMCS) — the amount a household is responsible for before eligible medical needs become eligible for sharing with the community, similar in concept to a deductible.
You show your WeShare Health member ID at an in-network provider, pay any applicable consult fee, and the provider submits the bill to WeShare Health. Our team reviews the bill for eligibility against your program guidelines, and eligible costs above your Annual Member Care Share (AMCS) are submitted for sharing with the community.
Yes. WeShare Health members (excluding WeShare Senior members) have access to pre-negotiated prescription pricing through the CVS Caremark network, which includes major retailers such as CVS, Costco, Target, Walgreens, and Walmart, at over 65,000 pharmacies nationwide. WeShare Senior provides a discount program through Optum Perks so you can save up to 80% off retail prices. Medications administered by a doctor or hospital, like injections or infusions, are eligible after AMCS.
WeShare Health includes Doctronic medical AI chat and 24/7 doctor video visits, Amwell telehealth, remote mental health support (BetterHelp or Amwell), weight-management resources (Noom), and discounted gym memberships (Active&Fit), reflecting our focus on whole-person, preventive wellness alongside traditional medical care. Explore all the Member perks in the WeShare Health app under “Wellness Perks.”
You have two virtual care options, both included with your WeShare Health membership at no additional cost. Doctronic is a good place to start for new or urgent concerns, or when you’re not sure where to go. Chat with Doctronic’s doctor-built medical AI 24/7 and easily connect with a board-certified doctor by video by appointment or on-demand when necessary.
Amwell is the option for primary care, dermatology, dietitian support, lactation consulting, and behavioral health, and it also offers urgent care.
Neither option is suited for emergencies. Call 911 or go to the nearest ER.
WeShare Health membership includes access to dental and vision discount programs. Simply present your discount card at a participating provider to receive savings on dental services and eye care. Details about the Dental and Vision programs will be provided in your Welcome package.
In most cases, yes — having a pre-existing condition doesn't automatically disqualify you from membership. WeShare Premier and Senior have no waiting period for healthcare related to pre-existing conditions. For WeShare Essential and Enhanced, pre-existing conditions may be eligible for sharing, but limitations apply. For full details, see your Membership Guidelines under My Programs in the WeShare app or contact the Member Care team.
WeShare Health is an inclusive, nondenominational, faith-based community, and members are asked to agree with a shared set of values and standards of conduct. We encourage you to speak with a representative about what membership involves.
Our faith-based mission is reflected both in our shared values and in how we operate a member first, non-profit approach to healthcare with an emphasis on whole-person wellness and a community where members voluntarily support one another through eligible health needs.
Get a free, personalized quote in minutes and see how WeShare Health compares to your current cost. A real member of our team will reach out to walk through your quote and answer any questions.
We just need a bit more information to provide you with your tailored programs. One of our Enrollment Team members will be in touch shortly.
1. KFF, How much and why ACA Marketplace premiums are going up in 2027, Aug 3, 2026.
2. Families USA, ACA Marketplace premium rate tracker, updated Oct 23, 2026.
3. ACA Signups, national 2027 rate analysis, Sep 25, 2026, and state rate pages.
4. healthinsurance.org, 2027 premium increases by state.
5. State insurance regulators, for states that publish their own averages.
ACA increases are individual-market averages before premium tax credits. 38 of 51 jurisdictions have final 2027 rates; the other 13 show insurers’ requests, which regulators can raise or lower. Families USA’s national average is built on ACA Signups’ state data, so the two aren’t independent.
Last updated Oct 30, 2026.
© 2026 Unite Health Share Ministries™ and WeShare®
WeShare® is not a reimbursement program. WeShare® is not an insurance company nor is the membership offered through an insurance company. WeShare® membership is offered and administered by Unite Health Share Ministries™ (UHSM), a nonprofit, religious healthcare sharing ministry that facilitates member-to-member sharing of medical expenses. WeShare® is connected through partnerships to provide resources, community, and healthcare for all WeShare® members. Members should never have to pay cash up-front for services in-network, with the only payment incurred at the time of service being the per member, per visit, consultation fee, as outlined in the Membership Guidelines. All Sharing Members are responsible for their own medical expenses, less amounts paid from shared dollars.
We just need a bit more information to provide you with your tailored programs. Submit the form below and one of our Enrollment Team members will be in touch shortly to discuss our Christian health plans.
