Health Care Sharing Ministry

Do you live a healthy lifestyle with few if any ongoing health conditions and no medications?  Are you looking for an affordable alternative to the rapidly rising costs for Affordable Care Act (ACA), also known as "Obamacare" mandated health insurance plans?  A membership in a Health Care Sharing Ministry (HCSM) may be an option for you and your family.


Significantly less expensive than major medical insurance policies, the membership plans offer comprehensive health coverage to their qualifying participants.  Although the coverage offered cannot legally be called "insurance", the plans function much the same way but with different language to describe the familiar costs and benefits you receive.


Recognized Health Care Sharing Ministries are also exempt from the Affordable Care Act so members are not subject to the ACA tax penalties.



How Do They Work?

Faith Based Values

Members agree to a statement of standards based on biblical guidelines for a healthy and honorable lifestyle. Not limited to specific denominations.  



Medically Underwritten

Similar to pre-ACA medical underwriting guidelines. No smoking, excessive alcohol use, illegal drug use, pre-existing conditions. Height/weight guidelines.



Cost Sharing Escrow Account

Membership responsibilty amounts are received monthly and accumulated in the sharing escrow account to pay the medical needs of members as needed.



Altrua Health Share
Membership Guide
Adobe Acrobat document [2.8 MB]

It's NOT Health Insurance?

No, it is not health insurance and as such, is not regulated by any formal regulatory body.  However, health share ministries have been in existence for nearly 30 years and when certified by the Centers for Medicare and Medicaid (CMS) are legally exempt from the ACA mandates and penalties.


Altrua Healthshare is a faith-based medical-needs sharing membership. Medical needs are only shared in by the members according to the membership guidelines.  Members agree to the Statement of Standards and voluntarily submit monthly contributions into an escrow account with Altrua HealthShare acting as a neutral escrow agent between members.


Membership is not a legally binding agreement to reimburse any member for medical needs a member may incur, but is instead, an opportunity for members to care for one another in a time of need, to present their medical needs to other members as outlined in the membership guidelines. The financial assistance members receive will come from other members' monthly contributions that are placed in an escrow account, not from Altrua HealthShare.



Owner-Broker Agent

Florence Goins, Insurance Agent  Oklahoma City Florence Goins, Insurance Agent Oklahoma City: (405) 409-7884

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For more information or to schedule an appointment, please call: (405) 409-7884 Local, or email:


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