Health Share Plans & Pre-Existing Conditions in Idaho

H2: How Health Shares Define Pre-Existing Conditions

A pre-existing condition is typically:

Any condition with signs, symptoms, treatment, or diagnosis within the last 12–36 months.

• Some programs use:
• 12 months
• 24 months
• 36 months
• Lifetime lookbacks

Rules vary.

H2: Typical Pre-Existing Rules

1. Waiting Period (Year 1)

• Many Health Shares do not share pre-existing needs during year one.

2. Partial Sharing (Years 2–3)

• Year 2: limited sharing (e.g., up to $25,000)
• Year 3: expanded sharing (e.g., up to $50,000)

3. Full Sharing (Year 4+)

• Some programs fully share after 36 months without symptoms or treatment.

4. Some Conditions Are Never Shared

Certain programs permanently exclude:

• Cancer within X years
• Heart disease
• Mental health treatment
• Organ failure
• Complicated chronic conditions

H2: Examples of Common Conditions & How They’re Treated

• Diabetes
• Usually limited or excluded
• Often requires stabilization before sharing
  
• Heart Conditions
• Typically long waiting periods
• Some events never shared
• Cancer History
• Often must be cancer-free for 3–5 years
• Asthma
• Usually shareable if mild
• Severe asthma may be limited
• Pregnancy
• Must join before conception
• Mental Health
• Many programs exclude therapy or psychiatric meds

H2: Who Should Avoid Health Shares Based on Medical History

Chris strongly recommends ACA plans if you have:

• Heart conditions
• Diabetes requiring insulin
• Cancer history within 3–5 years
• Autoimmune disorders
• HIV
• Expensive medications
• Dialysis
• Organ transplants
• Severe mental health conditions

These need predictable, guaranteed coverage.

H2: Who Health Shares Fit Based on Pre-Existing Status

• Strong Fit
• Healthy adults
• Adults with minor conditions
• Conditions resolved 3+ years ago
• Occasional medications
• Moderate Fit
• Stable conditions with inexpensive meds
• Occasional doctor visits
• Willing to review guidelines closely
• Low Fit
• Any chronic, ongoing condition
• Expensive meds
• High-frequency care users

H2: Why Pre-Existing Rules Are the #1 Decision Factor

• Because they determine:
• Eligibility
• Risk exposure
• Future costs
• Whether sharing will actually occur
• Chris always starts with:
• “Tell me your medical history first.”
• Then evaluates whether a Health Share is realistic.

H2: Boise FAQs

• Does a Health Share guarantee coverage?
• No.
• Will they share pre-existing conditions eventually?
• Some do, some don’t.
• What if I didn’t disclose a condition?
• Claims may be denied or unshared.
• Should I switch if I have chronic issues?
• Usually not — ACA is safer.

Talk With Chris Before Joining

Pre-existing rules vary wildly. This is the #1 spot where Idaho families get surprised.

Chris prevents that by reviewing:

• RX list
• Doctor visits
• Past hospitalizations
• Conditions in remission
• Cost projections
  
  

📞 (208) 203-7776