Call Us (855) 539-1552
Info@CovenantShare.org

What is a HCSM?

Covenant HealthShare is a 501(c)(3) non-profit health care sharing ministry (HCSM) organization. The idea behind health care sharing ministries, sharing medical needs with those of similar beliefs, has been around for centuries, and in the last decade, HCSMs have significantly increased their presence.

Our ministry provides members with a God-honoring, cost effective health care alternative, that distributes the collective resources of the membership by sharing member medical costs. In other words, members of Covenant financially assist each other with eligible medical expenses through their monthly contributions.

The United States Congress formally recognized HCSMs in 2010, when the organizations gained a federal exemption from the individual mandate under the Affordable Care Act (ACA). With the rising costs of health care, having some form of coverage has become a necessity and our government realizes the American people need access to affordable, alternative health care options. On average, health care sharing ministry programs cost fifty-percent less than conventional health care plans. Since 2010, thirty states have enacted safe harbor laws to protect HCSMs. To view these laws, click here.

Members in a health care sharing ministry must sign a statement of faith, ensuring they hold the same Christian beliefs of the collective membership. Due to the faith driven and voluntary nature of Covenant HealthShare, our ministry is not insurance and is recognized in the insurance code as a ministry.

About Us

Create a community of Christians that aid one another’s burdens and empower the Word of God globally.
Call us (855) 539-1552
PO Box 250168
Atlanta, GA 30325
Covenant HealthShare, Inc. (“Covenant”) is a non-profit health care sharing ministry (“HCSM”). As a HCSM, Covenant facilitates the sharing of medical expenses amongst its members, but Covenant is not an insurance company, and neither its guidelines nor program of operation is an insurance policy. Covenant members voluntarily share each other’s medical expenses in accordance with membership guidelines administered by Covenant and its affiliates. Sharing is available among members for all qualified medical expenses; however, Covenant does not guarantee or promise that your medical bills will be paid or assigned to other members for payment. Whether any other member chooses to contribute, in whole or in part, to the payment of your medical bills is completely voluntary on the part of that member. As such, membership in Covenant should never be considered as a substitute for an insurance policy. Whether you or your provider(s) receive any payments for medical expenses, and whether or not Covenant continues to operate, you are always liable for any unpaid medical bills. This HCSM is not regulated by state departments of insurance. Select states explicitly exempt HCSMs that, among other requirements, post a state specific notice advising consumers in such state that a HCSM is not an insurance company, does not offer or provide insurance policies, and is not insurance. As a HCSM, Covenant’s operations are exempt from insurance regulations. Although Covenant does not rely on such explicit exemptions under state law in order to operate as a HCSM, Covenant has chosen to publish these state specific notices. To view these state-specific notices, click here. To view Covenant’s Privacy Policy, click here.
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