A Better Alternative to Health Insurance

Get Your Quote

A Better Alternative to Health Insurance

The Logical Alternative to Health Insurance

What is Health Sharing?

Schedule a meeting

Health sharing

Health Sharing is a medical cost-sharing program run by a nonprofit community.    Members pay a fixed monthly contribution into a shared fund instead of insurance premiums.  For qualifying medical events (e.g., emergencies, hospitalization, surgery), members first pay an Initial Unshareable Amount ($1,250–$5,000, chosen at enrollment).  The community then shares the remaining eligible costs from the pooled funds.

Planstin combines Zion HealthShare with Direct Primary Care for complete coverage. Zion HealthShare handles major medical expenses through community cost-sharing. Direct Primary Care covers everyday needs like annual checkups, medications, immunizations, and telehealth visits.
Together, they offer an affordable, flexible alternative to traditional insurance with no provider network restrictions, full transparency, and a community-focused model. Ideal for self-employed individuals and small business owners. Most members pay 40–60% less than traditional health insurance.
Schedule a meeting

See how Health Sharing works in real life (Josh's Story).

Why Zion HealthShare and Planstin

Benefits Trends for 2026

Zion HealthShare Better Business Bureau Link

What’s Included

Everyday Care

  • 24/7 Virtual Care
  • Mental Health Support
  • Prescription Benefits
  • In-office visits for Primary Care, Specialists, and Urgent Care
  • Labs and Immunizations
  • Care Coordination

Preventive Care Services

  • Annual Exams
  • Health Screenings
  • Immunizations
  • Labs
  • Care Coordination

Medical Safety Net

  • ER, Hospitalization, Surgery
  • Maternity
  • Care Coordination
  • Medical Advocacy
  • Concierge Membership Assistance

Everyday Care

Major medical, prescriptions, and virtual care in one place

Preventative Care

Save money through care coordination, no networks, and virtual care.

Medical Safety Net

Access 70,000+ pharmacies, mail-order, and virtual primary care.

Coordinated Care

Guidance for routine needs and unexpected medical events.

Easy

Schedule appointments and handle prescriptions within All .

Transparent

Predictable costs through clear pricing and guidelines.

Attract Top Talent with Affordable, ACA-Compliant Care+ Plans

No Network – We’ve eliminated restrictive provider networks. Instead, you get fair pricing and dedicated coordinators who help your employees find high-quality care at reasonable prices.

Bigger Paycheck – Lower overall costs mean smaller paycheck deductions — leaving your employees with more money in their pockets.

More Options – Affordable plans give you the flexibility to offer more choices, giving employees greater control over their benefits and leading to higher participation and better well-being.

Schedule a meeting

Take your business to the next level with a Care+ health plan.

All Care+ plans feature no network restrictions and come with prescription benefits. No network requirements means your employees will have more provider options and the freedom to choose without referrals.

Care+ Direct

Fewer costs, more care.

Care+ Direct

Fewer costs, more care.

Give your employees high-quality care without the runaround. Care+ Direct helps you protect your business from unpredictable claims and rising premiums, offering real cost control with a smarter, more predictable plan.

When members use their primary care membership and follow our coordinated care pathway, they pay nothing out of pocket—and their deductible is waived. Most everyday needs are covered at no additional cost, meaning fewer large claims hit your plan.

  • $0 when members follow the care pathway
  • Primary care membership included
  • Sustainable rates through strategic cost control

Care+ Direct simplifies healthcare for your team by pairing the power of primary care with Planstin’s expert Care Coordination team. It’s better care with fewer costs and less hassle.

View Outline in Spanish
View Outline

Care+ Copay

Care for what's most important.

Care+ Copay

Care for what's most important.

Care+ Copay combines value and quality to provide affordable access to health care. The plan features low copay amounts and a deductible waiver for all copay services. Even everyday prescriptions are available for low copays.

The plan’s fair-priced healthcare, no-network approach, allows employees to choose their providers. And, there are three deductible options to choose from.

Help your employees spend less time worrying about health care and more time cherishing the moments that truly matter.

View Outline in Spanish
View Plan Outline

Care+ HSA

Take control of your healthcare.

Care+ HSA

Take control of your healthcare.

Care+ HSA pairs substantial, yet affordable, coverage with a health savings account to help your employees save on taxes and medical expenses.

This fully ACA-compliant health plan features no provider network restrictions so your team can see the health care professionals they want, where they want.

Care+ HSA provides the flexibility your employees need to effectively manage their health care expenses.

View Outline in Spanish
View Plan Outline

Care+ Core

Care for you, care for all.

Care+ Core

Care for you, care for all.

Get a plan that protects workplace wellness by balancing routine and comprehensive care. Care+ Core provides coverage for the most critical needs, allows employees to see specialists without a referral, waives the deductible for generic prescriptions, and covers preventive care 100%.

This fully ACA-compliant health plan features no provider network restrictions so your team has the freedom to choose their providers.

With Care+ Core, you can offer affordable health coverage that provides access to care when employees need it most.

View Outline in Spanish
View Plan Outline

Customize your benefits package.

Care+ Health Plans

Connect with a benefit guide.

Our benefit guides are ready to help you select top-notch solutions for your business. They’ll provide you with guidance on available products, assist you with onboarding, and help you with whatever else you need to make a success of your benefits package.

Connect with a Benefit Guide

FAQ's

Do you have any questions?

Zion HealthShare, the nonprofit medical cost-sharing community partnered with Planstin, prioritizes transparency and accountability as a registered 501(c)(3) organization. To address frequent questions about financial health and stability, we direct members and prospects to Zion’s public IRS Form 990 filings. These detail revenue, expenses, assets, liabilities, and program spending, and are available directly on Zion’s dedicated Financials page at https://zionhealthshare.org/disclosures/financials. There, you can download the most recent forms, including the 2024 Form 990 (showing over $93 million in revenue, primarily from member contributions, with the majority allocated to sharing eligible medical needs), the 2023 Form 990, and the amended 2022 Form 990. Independent sources like ProPublica’s Nonprofit Explorer also provide access to these public records for additional review (search EIN 83-2537408).
Planstin emphasizes this transparency in their partnership with Zion, highlighting Zion’s strong operational track record and top ratings for accessibility, stability, and transparency in 2026 healthshare reviews. Relevant Planstin pages include:
This open disclosure approach, combined with Zion’s growth since 2019 and verifiable public filings, demonstrates responsible management of shared resources. For the most up-to-date details, visit the links above or review the financials directly on Zion’s site.

Care+ is ACA-compliant health coverage that puts people first. It offers traditional coverage with major medical, preventive care, and prescription benefits. However, Care+ is designed to be more affordable and easier to use than most traditional plans.

Yes. Care+ provides traditional coverage that is fully compliant with ACA guidelines for both minimum essential coverage and minimum value. Care+ health plans offer comprehensive coverage for employers and employees who want traditional options.

Care+ includes everything you’d expect from a strong, ACA-compliant health plan:

  • Preventive care like checkups, screenings, and vaccines
  • Major medical coverage for hospital stays, surgeries, and emergencies
  • Prescription benefits to help manage the cost of medications

Care+ also includes some features to make your life easier:

  • No network restrictions
  • Fair-priced healthcare
  • Care coordination

Care+ health plans are designed with a fair-priced healthcare pricing strategy, and they do not rely on rigid provider networks. 


Members with Care+ are not limited to a provider network. However, some providers may choose not to work with us.  Members will make best use of their health plan when they take advantage of the complimentary care coordination services.

Care+ health plans include complimentary access to care coordination services to help members make appointments and locate providers that work well with their benefits.

Scroll to Top