Perfect for
Individuals & Families

Excellent for
Early Retirement


Zion Health Direct

Perfect for Families & Individuals, ages 64 and younger. Get the Complete Membership with Zion Health's Direct Membership


Zion Health Direct Members enjoy a worry free experience and receive all the amazing sharing features of the Zion Health community plus the additional membership benefits that come with the four extra features below!

Included Features

1. Preventive Care

Includes: Annual Wellness Visit, Colonoscopy*, Mammogram* & Immunization*, (*6 month waiting period)

2. Prescription (Rx) Share

3. Teladoc Membership

4. Healthcare Bluebook

Tobacco $50 Surcharge (if applicable)

Zion Health Essential

Perfect for Employers or members of a Direct Primary Care. Get the added benefits you need to complete your healthcare solution


This membership is only available to employers with 2 or more employees, members of a Direct Primary Care or members who join through enrollment partners like Zion Health let's you pair your essential membership with the add-ons that fit your needs. Enjoy more options and savings!​

Available Add-on's

Preventive Care

Includes: Colonoscopy, Mammogram & Immunization, (*6 month waiting period)

Prescription (Rx) Share

Teladoc Membership

LifeWorks (Mental Health)

Healthcare Bluebook

Tobacco $50 Surcharge (if applicable)

Choose an IUA option of $1000, $2500 & $5000

What is an IUA?

The Initial Unsharable Amount (IUA) for each member’s medical need is the responsibility of member.  All qualified medical expenses after IUA is met are shareable with the Zion Health community at 100% and without an annual or lifetime limit.

For each medical need, the community shares in medical expenses after the initial unshareable amount (IUA) is met.  This amount paid by the member does not need to be paid again until you are symptom free for 12 months.

The Initial Unsharable Amount (IUA) is better for members than a deductible when a large medical need comes up.  Often care for a sickness or injury is not limited to a single calendar year.  Members generally save by having an IUA.

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Zion Health Membership
Monthly Contribution (Pricing)

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What is a
Medical Need

A Medical Need is any  major medical event, injury, or medical emergency that is unexpected and causes you to seek medical or professional help. Medical needs include, initial doctor visits, any medical screening, x-rays, MRIs, specialists visits, surgeries, physical therapy and or anything needed to get you back to 100% health.


Preventive Care

Preventive Care comes with your Zion Health Direct Membership and includes the services listed below.


Wellness Check, Colonoscopies*, Mammograms*, Immunizations 16<*, & One Specialist Visit*


Also available for Essential Membership.

*These services become available after six month waiting period.

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Prescription Sharing

Members of Zion Health Direct have access to discounted prescriptions through OptumRx. 

Low Cost Generic Prescriptions: $5 per prescription, see the $5 prescription list.
Generic Prescriptions: $15 per prescription, see the formulary.
All other prescriptions: Discounted rate.


Teladoc Membership

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HealthCare Bluebook

Quality & Pricing Incentive

Zion Health offers an IUA discount incentive for scheduled pre-approved surgeries and procedures. If you are planning to schedule a surgery or other procedure that relates to a shareable need you may be eligible for a discount of up to 50% off your standard IUA. To qualify for this discount click below.


Additional Membership Details

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Maternity Sharing

In general, maternity needs are treated like any other medical expenses and are shareable with the community. These expenses include prenatal care, delivery, postnatal care and miscarriage. Click below to view the Zion Health Maternity Guide.

Membership Guidelines

If you've participated in a medical cost sharing community or are interested in learning more about joining one, then take a closer look at Zion Health by visiting our membership guidelines and principles of membership.  We're always here to answer your questions.

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Are you a small business looking for a better solution for your employees? HealthShare is a great choice. Learn how easy it is. 

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Give you're employees a solution that works for them, even if they leave your company.