With Zion HealthShare, there is no deductible to meet, rather for any qualifying expense (see Zion HealthShare member guidelines), you pay the first $1K (known as your Initial Unshareable Amount or IUA) and the HealthShare pays the rest.  After you pay 3 IUAs, in a 12 month period, any other major event over $500 is paid by Zion HealthShare w/o requiring another $1K IUA.   More money can go to HSA in HSA Plan or a Copay plan can be chosen.  

If an illness or injury exists that a person with Zion HealthShare coverage has been examined, diagnosed, taken medication, had symptoms or received medical treatment in the last 24 months , these medical needs will qualify for sharing by Zion HealthShare per the Pre-Membership Medical Condition Phase-In Period.  Expenses related to mental health are not shareable with Zion HealthShare, but Tele-Mental Health can be added as a strong compliment for improving mental health.    

Learning Curve: With these plans you present yourself as a “Self-Pay” Patient and pay for the coverage or the first $1K IUA at the “Self-Pay” discounted rate.  You will open up a “Sharing Need” with Zion HealthShare for any medical events that exceed $1,000/  As bills come, they will typically be much lower than if they were billed to insurance.  Even before payment is required, you can upload the bill to Zion HealthShare via their online portal and they will pay the amount exceeding your $1,000 IUA.  You have responsibility to learn the Zion HealthShare Member Guidelines.  

Note:  High blood pressure, high cholesterol, and diabetes (types 1 & 2) are not considered pre-membership medical conditions as long as  1. no hospitalization for the condition in 12 months prior to joining and 2. the member is able to control the condition through medication or diet.