You Don't Have to Keep Feeding a Broken System.
Thousands of families are cutting their healthcare costs 30–50% by stepping outside the traditional insurance system entirely — and joining a community that actually works.
"I was paying a mortgage payment every month for a health insurance policy with a deductible so high I was still paying out of pocket for everything. I felt trapped — until I discovered HealthShare. I made the switch, and I've never looked back. Now I help other families do the same."
Eric Baird
Independent HealthShare Coach · Thousands of Families Helped
Does any of this sound familiar?
Before we talk about plans, let’s start with what brought you here.
Your premium keeps climbing
You are paying more each year, even when you rarely use your coverage.
Your deductible still feels out of reach
You want to understand what you would actually pay before a medical need gets expensive.
You want a clearer path
You are self-employed, running a business, or caring for a family—and you want an honest person to help you compare options.
That is exactly where I can help: understand the model, estimate your options, and decide whether it fits before you join.
How Medical Cost Sharing Works
HealthShare is not insurance. It's a community of like-minded people who voluntarily share each other's eligible medical costs — transparently, affordably, and without the corporate middleman.
Join the Community
Enroll in Zion HealthShare — a nonprofit medical cost-sharing community. No medical exam, no open enrollment window. Membership can start as soon as the following month. You choose your Initial Unshareable Amount (IUA): $1,250, $2,500, or $5,000.
Receive Care Freely
See any licensed provider you choose — no network restrictions, no referrals required. Your monthly contribution goes directly into the sharing pool. Preventive Sharing is included for wellness visits. Zion RxShare handles prescription drug cost sharing.
The Community Shares Your Costs
When you have an eligible medical need, you pay your IUA first. After that, the community shares the remaining eligible costs. Transparent, straightforward, and community-driven — powered by Zion HealthShare.
Choose your next step
You do not have to be ready to enroll to get useful answers.
Traditional Insurance vs. HealthShare
See exactly why thousands of families are making the switch to medical cost sharing.
2026 Monthly Rates
Transparent Pricing. No Surprises.
Choose your plan type, age band, and Initial Unshareable Amount (IUA) to see your estimated monthly contribution. No hidden fees.
Rates may vary slightly based on tobacco or cannabis use. Any applicable household contribution difference is disclosed before enrollment.
Optional Add-Ons
Your Estimated Monthly Contribution
Member Only
$134
Member + Spouse
$268
Member + Children
$268
Member + Family
$406
*The Initial Unshareable Amount (IUA) is the amount a member pays before eligible medical costs are shared by the community. Household memberships will not be responsible for more than three (3) IUAs in a rolling 12-month period. Rates shown are for informational purposes. Zion HealthShare is not an insurance company. View state-specific notices at ZionHealthShare.org.
A better decision starts before enrollment
The goal is not to push you into a plan. It is to help you move forward with fewer surprises.
More room to plan
Understand your estimated monthly contribution and IUA before you make a commitment.
Less guesswork
Know what medical cost sharing is, what it is not, and which questions deserve an official guideline review.
A person to call
Eric remains your point of contact for membership questions, plan fit, and enrollment guidance.
Your Questions, Answered Honestly
I'm not here to oversell. Here are the real answers to the questions I hear most often.
Ready to Talk?
Schedule a 15-minute call with Eric to discuss your HealthShare options
Get personalized guidance on which plan is right for your family, your estimated monthly costs, and next steps to enrollment.
Personalized plan recommendation based on your family size and health needs
Transparent breakdown of your estimated monthly contribution
Answer all your questions about HealthShare and the enrollment process
Pick a time that works for you. Eric will call you at the scheduled time.
15-minute call • No obligation • Free consultation
Prefer to talk by phone? (435) 375-4377
Eric has helped thousands of families find the right HealthShare solution. Your call is a judgment-free zone — just honest conversation about your healthcare options.
You will know who to contact
After you request the guide or book a call, Eric helps with membership education and enrollment questions. If you are already a member and need an official medical-need determination, Zion HealthShare’s support team handles that medical question.
Free guide: check your inbox and look for Eric’s follow-up.
Booked a call: Eric will call at the scheduled time.
Existing medical need: use Zion’s official member-support process for the determination.
The Entrepreneur's Guide to Escaping the Health Insurance Trap
Not ready to enroll yet? Get my free guide and learn exactly how the HealthShare model works, what to watch out for, and how to calculate your real savings before you make any decision.