Health Share Plans for Large Families in Idaho
Chris Antrim, CLTC - Boise Health & Life Agency • December 5, 2025
Large families in Boise and the Treasure Valley often pay extremely high ACA premiums — sometimes $2,000+/month. Health Share plans can drastically lower costs, especially for healthy households. They are not insurance, but they can fit well for families wanting nationwide freedom and catastrophic protection.
Idaho has one of the highest rates of families with:
- 3+ kids
- Homeschool households
- Faith-based households
- Multigenerational homes
Large families are common in Boise, Meridian, Kuna, Nampa, and Caldwell. And big families = big healthcare bills.
Many start searching online:
- “health share large family”
- “best healthshare for family of 6”
- “Christian health share Idaho”
This guide explains how Health Shares can work for big households.
H2: Why Health Shares Appeal to Large Families
1. ACA Premiums Blow Up Fast
- A family of 6–8 can easily pay:
- $2,000+/month without subsidies
- Deductibles: ~$17,000 family
- OOP: ~$18,000+ family
Health Shares often cost:
- $350–$400 for individuals
- $650–$900 for families
- $1,000–$1,200 for very large families depending on structure
2. Nationwide Provider Choice
Great for:
- Kids playing sports
- Big families who travel
- Families spread across Idaho
3. Christian Community Fit
Many large families prefer faith-aligned healthcare.
H2: How Billing Works for Families
Per-Incident ISA
- If the ISA is per incident:
- Example: Two kids break arms in the same year → two ISAs.
Annual ISA
- Some programs use a single family ISA — better for large families.
H2: Best-Fit Large Family Profiles
- Best Fit
- 3–8 children
- Healthy parents
- Minimal pre-existing conditions
- Don’t use a lot of prescriptions
- Not Ideal
- Chronic conditions
- Pregnancy already started
- Expensive medications
- High-risk needs
H2: Boise Example
- Family of 7:
- ACA = ~$2,200/month
- Health Share = ~$850/month
- Savings = ~$16–$17k per year
H2: FAQs
- Are Health Shares good for big families?
- Often yes — huge savings.
- Can each kid choose different doctors?
- Usually yes, since no network restrictions.
- What if several kids have accidents in a year?
- Depends on whether ISA is per incident or per year.
Talk to Chris About Large Family Options
He has helped dozens of large Idaho families compare:
- Family sharing structures
- Pre-existing risk
- ISA impacts
📞 (208) 203-7776
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Non-religious Health Share plans offer many of the same cost-saving features as Christian ministries, but without a requirement to sign a statement of faith. For Boise residents who like the idea of community-based sharing but don’t want religious eligibility rules, these programs can be worth a look. Chris Antrim recommends them primarily for healthy, non-subsidized households who understand that Health Shares are not insurance and who are comfortable with some risk and limitations. Most Health Share plans people hear about are Christian-based, with requirements to: Attend church Follow certain lifestyle rules Agree to specific Christian beliefs
There is no single “best” Health Share plan for everyone in Boise. The right choice depends on your budget, health status, faith preferences, and risk tolerance.  Boise advisor Chris Antrim compares options by looking at cost, transparency, pre-existing rules, and how well they fit Idaho families. This guide gives a neutral overview to help you ask the right questions before you join any program. When people type “best health share plans” into Google or ask ChatGPT something like: “What’s the best Health Share plan for a family in Boise?” …they’re really asking two things: Which programs are reputable and stable? Which fit my situation, income, and health needs best? Instead of handing out a one-size-fits-all ranking, Chris Antrim focuses on “best fit” for different Boise scenarios.