United Refuah HealthShare’s mission is to provide a compassionate, affordable, and Torah-aligned solution to managing health care expenses. Through seamless member-to-member sharing, we empower families to share in each other’s medical needs without the limitations of network restrictions. Rooted in transparency and trust, we are dedicated to making health care simple, accessible, and guided by shared values.
After members have met their Annual PreShare Amount, United Refuah HealthShare will share 80% of eligible medical expenses, and the member will be responsible for a 20% CoShare. The 20% Member CoShare is limited to an annual CoShare Maximum. Once this maximum is reached, eligible expenses are shared at 100% up to $1,500,000 per incident.¹
*$10 monthly credit card surcharge for single and couple
**$20 surcharge for family memberships
¹Effective 1/1/2027
Data from KKF.org annual review
Includes annual contributions,
PreShare and CoShare Max
A HealthShare is not health insurance. While both help pay for medical expenses, a HealthShare is a non-profit organization powered by monthly member contributions — the funds which are then used to pay for medical expenses members incur. Members with the same shared religious beliefs join together to share in each other’s medical expenses.
United Refuah members share in preventative care, sick care, maternity care, hospitalization, surgery, labwork, medical imaging, and other medically necessary care. In addition, limited sharing allowances are available for mental health, therapy, dental, vision, chiropractic care, acupuncture, and other ancillary services.
Routine preventative care expenses are shared at 100% with generous maximum limits, and not subject to PreShare and CoShare responsibilities. These include an annual well visit, annual GYN well visit, baby well visits (according to AAP schedule), mammograms (every other year ages 40+), pap smear (every three years), colonoscopy or cologuard (every 10 years, ages 45+, after first year of membership).
Our goal is to keep our this special time as joyous and stress-free as possible, so you can focus on your health and the health of the baby. Maternity sharing includes physician services for prenatal, delivery, and postpartum care, a routine ultrasound each trimester, 20 week anatomy scan, pregnancy lab testing, hospital expenses including labor, delivery, and nursery. We also share in doulas, nursing pumps, and other expenses. Sharing is subject to Sharing Guidelines. Pregnancy responsibility is in addition to Preshare and Coshare responsibilities.
United Refuah HealthShare
Monthly membership contributions
Single
$249
Couple
$399
Family
3–6 members
$599
Add $50 per month for each family member beyond six.
See our website for PreShare, CoShare, and other program information. All sharing is subject to the Sharing Guidelines.
Please note: Sharing for conditions that first present during the first two months of membership is limited to $25,000 per member over the lifetime of the membership.
Current application processing time
Approximately 3 weeks
After all requested information is submitted. Processing may take longer during Open Enrollment or for applications requiring expanded medical review.
Membership begins on the first day of the month following acceptance. You may defer your start date for up to two months following your application completion date.
Deferring your membership start date may affect sharing eligibility for pre-existing conditions and maternity expenses.
Submitting an application does not guarantee acceptance or a specific start date.
