Oklahoma Health & Life Insurance - protecting all the seasons of your life...
Oklahoma Health & Life Insurance - protecting all the seasons of your life...

Are you looking for an alternative to the high cost of health insurance today? A Health Care Sharing Ministry (HCSM) plan might be the answer!

Altrua HealthShare

Some pre-existing conditions can result in a decline of coverage; others will have 24 month waiting period.



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) plans, also known as "Obamacare" health insurance plans?  A membership in a Health Care Sharing Ministry (HCSM) plan may be an option for you and your family.


Significantly less expensive than most major medical insurance policies, the faith-based membership plans offer to help members pay for their qualified medical bills from the shared contributions of their membership.  

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
2019 Membership Guidelines_ Altrua Healt[...]
Adobe Acrobat document [2.6 MB]
Altrua Health Share Plans and Pricing
2019 Plans and Pricing
Membership Plans _ Altrua HealthShare 12[...]
Adobe Acrobat document [176.3 KB]

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.


Healthshare Ministry Plans are faith-based medical-needs sharing memberships. 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 the plan 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 directly from the HealthShare.



Owner-Broker Agent

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

Private Quote

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


Or use our contact form.

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