Strategic Health Share Administrators
A Modern Healthcare Cooperative

Healthcare has evolved.
Your coverage should too.

Virtual care, community cost-sharing, everyday care, and $0 prescriptions — four best-in-class solutions, working as one coordinated healthcare cooperative.

Four components. One benefit. Different by design Best-in-class partners Cooperative model
Affordable contributions · Clear sharing guidelines · Efficient healthcare · You always know what you're getting.

What's Included

Four components. One complete solution.

Your plan is not a single product. It is a coordinated set of four components, each doing a specific job — working together in a cooperative model so you have coverage, care, and savings all in one.

SHSA Podcast
Individuals & Families
Episode 1 · Audience guide
0:00 --:--
🔈 🔊
Episodes
Foundation
Health Share
Community cost-sharing for major medical events — hospitalization, surgery, ER, and maternity. After your MRA is met, the community shares eligible costs at 100%.
Virtual Care
Primary & Virtual Care
$0 primary care, urgent care, and mental health through Amaze Health — from any device, anytime. Includes care navigation and advocacy.
Everyday Care
Copay or HSA Plan
Doctor visits, labs, imaging, and urgent care — handled by flat copays (Everyday Cooperative) or a tax-advantaged HSA strategy (Modern Advantage).
Medications
Rx Program
1,100+ medications at $0 at 70,000+ pharmacies. Birth control, blood pressure, thyroid, hormones, and more — zero cost from day one.
🔗
Fully coordinated
Each component is selected to work with the others — not bolted together as an afterthought.
🧭
Spend less
Lower monthly cost combined with less out-of-pocket spending.
✦
Transparent by design
Fixed contributions, clear sharing guidelines, $0 prescriptions — you always know what you're getting.

Real Families. Real Numbers.

See the difference for yourself.

Two families. Same size, same needs, same ER visit. Very different outcomes.

Traditional Plan
The Howard Family
Family of 4 · Standard PPO
Monthly Premium$1,700/mo
Annual Deductible$7,000
Annual Premiums Paid$20,400
ER Visit Out-of-PocketUp to $7,000
MedicationsCopay after deductible
Total potential annual cost
After one serious ER visit
$27,400+
Cooperative Plan — Modern Advantage (HSA)
The Parker Family
Family of 4 · SHSA Health Share
Monthly Contribution$700/mo
MRA (Annual Limit)$1,500
Annual Contributions Paid$8,400
ER Visit Out-of-Pocket$1,500 MRA
Medications$0 — 1,100+ covered
Total potential annual cost
After one serious ER visit
$9,900
$17,500+
saved in a single year. The Parker family saved over $17,000 — even after a serious ER visit. Lower monthly contributions, a manageable MRA, and zero-cost medications added up to real savings when it mattered most.

* Figures are illustrative and based on typical plan structures. Actual costs vary by plan, location, and individual health needs. Speak with a benefits advisor for a personalized comparison.

What's Included

Everything in every plan.

These aren't add-ons or upgrades. Every member on every plan gets this full benefit package from day one.

📱
Virtual Primary Care
Unlimited telehealth visits with licensed clinicans, 24/7. No copay, no appointment backlog.
$0 per visit
🏥
Health Sharing
A safeguard for the unexpected in life. EverTrust HealthShare stands behind every contribution, so when something big happens, your community has your back.
Included
🧠
Advocacy Support
A human approach, not an automated one. Real people, easy to reach, support you through everything that comes up.
Included
💊
Enhanced Rx Program
1,100+ acute and chronic medications at $0 at 70,000+ pharmacies. Mail order available.
1,100+ meds at $0
👶
Maternity Coverage
Prenatal, labor, delivery, and postpartum care included. With care coordination, out-of-pocket can reach $0.
Full coverage
✅
100% Preventive Care
Annual wellness, screenings, immunizations, and preventive labs — always covered at 100%.
100% covered

Who This Is For

Built for the way people actually live.

Modern Health Sharing isn't one-size-fits-all. Different lives have different needs — and there's a solution for each.

Growing Families & Maternity
Full maternity coverage with care coordination — out-of-pocket can reach $0.
Learn more →
Individuals & Families
Complete coverage without employer sponsorship — at a fraction of the cost.
Learn more →
Nomads & Remote Workers
No network restrictions. Works wherever you are — domestically and beyond.
Learn more →
Travelers
Flexible coverage for people who don't stay in one place. Virtual care from anywhere.
Learn more →
Self-Employed
Predictable monthly costs with comprehensive coverage — no employer required.
Learn more →
Entrepreneurs & Small Business
Offer your team meaningful benefits without the complexity of group insurance.
Learn more →
Medicare & Retiring
Bridging the gap before Medicare eligibility — or supplementing coverage in retirement.
Learn more →
Lost Subsidy
Income changed and marketplace subsidies disappeared? Health sharing is a strong alternative.
Learn more →

Common Questions

What people ask first.

Health sharing is different from traditional insurance. Here are the questions that come up most often.

No. Health sharing is not insurance and is not regulated as insurance. Members voluntarily share each other's eligible medical costs — it is a cooperative agreement, not a guarantee of payment. Many people find it provides comparable or better access to care at significantly lower cost, but understanding the distinction before enrolling matters.
A member responsibility amount is similar to a deductible — the portion you're responsible for when large, unexpected medical events occur before the community begins sharing your eligible medical costs.
In most cases, yes. Health sharing is not tied to a specific provider network the way traditional insurance is. You can typically see any licensed provider. The HSA and Copay plan provide a robust PPO national network for preventive care.
Health sharing programs typically do not cover pre-existing conditions during an initial waiting period, elective procedures, cosmetic treatments, or experimental therapies. Review the member guidelines before enrollment.