Healthshare Plans in Boise, Idaho
Healthshare programs like Impact Healthshare, MediShare, and Healthshare One
offer lower monthly costs than ACA or private insurance—but with member guidelines and limits. For Boise families, self-employed workers, and early retirees, Healthshare can be a smart alternative if you understand the trade-offs.
Request a Quote
Send us your details and we’ll get back to you to schedule a time to talk.
“By submitting the information above, you are agreeing to be contacted by a Licensed Sales Agent by email or phone call to discuss information about Medicare Insurance Plans. This is a solicitation for insurance.”
What is Healthshare?
Healthshare is not insurance. Instead, members contribute monthly to a community pool that shares the cost of medical needs. Monthly contributions are often 30–50% lower than ACA or private insurance premiums.
Guidelines govern what expenses are eligible, and pre-existing conditions, preventive care, and maternity often have waiting periods or exclusions. For healthy Boise households or self-employed workers priced out of ACA/private insurance, Healthshare can be an affordable back-up for large unexpected bills.
Healthshare in the Boise/Treasure Valley
Local clients choose Healthshare when:
- Subsidies don’t apply (higher-income households priced out of ACA savings).
- Network flexibility (want to access St. Luke’s, St. Alphonsus, or out-of-state care without narrow networks).
- Self-employed/1099 (need predictable monthly costs).
- Early retirees bridging to Medicare.
Comparing Healthshare vs ACA vs Private Insurance
| Feature | ACA (Marketplace) | Private (Off-Exchange) | Healthshare (Impact/MediShare/Healthshare One) |
|---|---|---|---|
| Monthly Cost | Higher, subsidies may lower | Higher, no subsidies | Lower contributions |
| Network | Boise providers, regulated | Varies by carrier | Flexible, not guaranteed |
| Pre-Existing | Covered (by law) | Covered (varies) | Waiting periods/exclusions |
| Preventive Care | Fully covered | Covered | Limited/Excluded |
| Compliance | ACA-regulated insurance | ACA-regulated insurance | Not insurance, member-based |
| Best For | Subsidy-eligible families | Higher-income or brand-loyal | Healthy, cost-sensitive households |
Who Should Consider Healthshare?
- Individuals & families without subsidies on ACA insurance.
- Self-employed or 1099 contractors seeking lower monthly costs.
- Early retirees looking for a bridge until Medicare.
- Households comfortable with Christian or community-based guidelines.
- People who mainly need catastrophic coverage and are okay with paying routine visits out-of-pocket.
Major Healthshare Programs
Impact Health Sharing (Lowest Cost)
- Known for being one of the most affordable nationwide healthshares.
- Transparent monthly share amounts.
- Catastrophic coverage for large, unexpected expenses.
- Offers a Primary Responsibility Amount (similar to a deductible).
- Works well for healthy individuals/families seeking budget-friendly protection.
HealthShare 1 (Balanced Option)
- Middle ground in both monthly contribution and coverage guidelines.
- Good for families wanting predictability without the highest cost.
- Broader coverage for common services compared to low-cost shares.
- Practical choice for households not qualifying for ACA subsidies.
MediShare (Faith-Based Community)
- One of the oldest and largest Christian Healthshare ministries.
- Requires agreement to a statement of faith and lifestyle guidelines.
- Monthly contributions are generally higher than Impact or HealthShare 1, but members value the community and support system.
- Often chosen by families wanting to align coverage with Christian values.
Local Cost Example (Boise)
| Household | ACA Silver (no subsidy) | Healthshare (Impact/MediShare) | Savings |
|---|---|---|---|
| Family of 4 | $1,600/month | $900/month | $700 |
| Self-Employed 40yo | $650/month | $350/month | $300 |
How Healthshare Plans Work (Step by Step)
- You pay a set monthly share (similar to a premium).
- You cover routine visits until your Personal Responsibility Amount is met.
- Larger expenses (ER, hospitalizations, surgeries) are shared by the community.
- Bills are reviewed and processed by the Healthshare’s administration.
Pros & Cons of Healthshare (Honest Overview)
Pros:
- Lower monthly costs than traditional insurance.
- Flexibility in choosing providers.
- Community support model.
Cons:
- Not insurance, not guaranteed by law.
- Pre-existing condition limitations may apply.
- Some services (preventive care, mental health, maternity) may have restrictions.
Which Plan is Best for You?
- Lowest Cost: Start with Impact.
- Balanced Mid-Option: HealthShare 1
- Christian Community Focus: MediShare
Chris will review your doctors, prescriptions, and budget to recommend the best fit for your household.
FAQs (Straightforward Answers)
Got a question? We’re here to help.
Ready to Compare Plans?
Boise families are saving hundreds per month with Healthshare. Let Chris help you decide if it’s right for you.
We’ll:
- Compare Impact, MediShare, and Healthshare One.
- Verify your doctors and medications.
- Show total cost comparisons vs ACA and private insurance.
- Guide you step-by-step through enrollment.