Cost Comparison
See How Much You Could Save
Based on a healthy individual, age 30, without ACA subsidies. Your actual savings may vary.
ACA Marketplace
(without subsidies)
Monthly Cost
$500–$850
Annual Cost
$6,000–$10,200
- Premiums increase 5–15% annually
- Restrictive provider networks
- High deductibles ($2,000–$8,000+)
BUCAs / Short-Term
(budget plans)
Monthly Cost
$100–$250
Annual Cost
$1,200–$3,000
- No maternity coverage
- Pre-existing conditions excluded
- Low lifetime limits ($50K–$250K)
Altrua HealthShare
(recommended)
Monthly Cost
$136–$356
Annual Cost
$1,632–$4,272
- See any provider — no networks
- Telemedicine, dental/vision included
- Up to $2M lifetime sharing
Side-by-Side
The Real Comparison
See exactly how Altrua HealthShare stacks up against ACA marketplace plans and short-term/BUCCA plans.
| Feature | Recommended Altrua HealthShare | ACA Marketplace | BUCAs / Short-Term |
|---|---|---|---|
| Monthly Cost (Individual) | $136–$356/mo | $500–$850+/mo | $100–$250/mo |
| Monthly Cost (Family) | $356–$700/mo | $1,200–$2,500+/mo | $300–$600/mo |
| Choose Any Doctor | |||
| Preventive Care Included | |||
| Telemedicine 24/7 | |||
| Maternity Coverage | |||
| Cancer Treatment | |||
| Annual/Lifetime Limits | Up to $2M lifetime | No limits | $50K–$1M |
| Pre-Existing Conditions | Phased in over time | Covered day 1 | Not covered |
| No Network Restrictions | |||
| Faith-Based Community | |||
| Dental/Vision Discounts | separate plan |
Perfect For You
Is Altrua HealthShare Right for You?
Health sharing isn't for everyone — but for healthy adults who want affordable, flexible healthcare without the corporate insurance maze, it's a game-changer.
Health sharing is ideal for:
- Self-employed or freelancers without employer coverage
- Adults 24–54 who are generally healthy
- Families tired of paying $1,000+/month for insurance
- People who don't qualify for ACA subsidies
- Anyone who wants the freedom to choose their own doctor
- Faith-minded individuals seeking a community-based approach
Common Questions