Six trusted healthshare programs — not insurance
Find the health coverage that actually fits your family.
Answer five questions and we’ll match you to the right program for your state, your household and your budget — then a licensed broker confirms the fit before you enroll.
More than a member
Enroll once, then earn when you share it forward.
CoShared is affiliate-based — we give the broker’s commission back to members. Refer friends and you earn across three levels, cashable via PayPal or Venmo. See how earning works →
5%
Direct
2%
Level 2
1%
Level 3
Or compare the six yourself
Every program is a legal, community-based alternative to traditional insurance — vetted by CoShared. Two of them cannot enroll members in some states, and the quiz rules those out for you before you spend time on them. Find my match →
NetWell
Comprehensive sharing with catastrophic and all-inclusive tiers.
Not available in MA, MD, NM, PA, UT, VT, WA
View plans →
Altrua HealthShare
Four membership tiers governed by member responsibility and lifetime limits.
Available in most states
View plans →
Redirect Health
Everyday care plus hospital coverage, priced by household size.
Not available in NJ, MA, VT, CA, RI
View plans →
Universal HealthShare
Six coverage tiers, UHS1–UHS6, sharing up to $1,000,000.
Available in most states
View plans →
Sedera Health
Choose your IUA level to set your monthly contribution.
Not available in WA, VT, PA, NM, CA
View plans →
JHS Community
Distinct, Diverse, and Dynamic tiers with wellness visits included.
Available in most states
View plans →Why a healthshare?
Traditional health insurance premiums have skyrocketed — a family of four can pay $2,000+ per month, often with high deductibles and narrow networks. Our six healthshare partners offer a legal, community-based alternative at a fraction of the cost, while keeping you in control of your care.
6
Vetted healthshare partners to choose from
40%+
Average savings vs. traditional insurance
$0
Membership cost — CoShared is free to join
How it works
From five questions to covered — in five simple steps.
Join Free
Create your CoShared account in minutes — no insurance required.
Get Matched
Answer five questions and we point you at the program that fits your state, household and budget.
Enroll
Complete enrollment through CoShared. Licensed broker Dr. Terry Silkman guides your fit.
Get Covered
Start sharing costs with your community and take control of your care.
Refer & Earn
Share your link — earn points at 3 levels when friends enroll, cashable via PayPal or Venmo.
A bonus for members
Refer friends, earn real rewards.
Because CoShared is affiliate-based, we share the broker’s commission back across three referral levels. Points convert at 100 = $1, cashed out via PayPal or Venmo.
5%
Level 1 — Direct
2%
Level 2
1%
Level 3
Dr. Terry Silkman
Founder & Licensed Insurance Broker
Dr. Silkman is a registered insurance broker who saw an opportunity to bring transparency and fairness to health sharing. He personally vetted all six partner programs — and by routing enrollments through CoShared, he shares the rewards back with the community of members who help it grow.
What our members say
Real CoShared members saving on healthcare with a program that fits them.
“I really love using a healthshare over health insurance, it saves me a ton of money! Coshared made it easy to find the best deal for my family. ”
Brett Stubbs
@brettstubbs
“We chose the perfect HealthShare option from CoShared. It had everything we were looking for, and actually had doctor visits we didn't have with our past traditional healthcare. ”
Aaron Decker
@aarondecker
“Since 2018, I've been assisting individuals in transitioning from health insurance to healthshare associations. Here's what they've uncovered: - The flexibility to choose their preferred healthcare providers. - Dedicated healthcare professionals helping access necessary care promptly and manage medical expenses. - Access to 24/7 telemedicine services for various healthcare needs, from prescriptions to diagnoses, all from home. - Benefiting from sensible, cost-effective, and comprehensive major medical care. - Savings of 30-70% on monthly premiums and major medical expenses like copays, deductibles, and co-insurance, with typical annual savings ranging from $6,000 to $20,000. Most importantly to me, there hasn't been feedback from a single client regarding treatment plan or claim denials. ”
Terry Silkman
@terrysilkman
Find your healthshare today.
Five questions, about thirty seconds, and no obligation — then a licensed broker confirms the fit before you enroll.
Find my match →Or compare all six programs yourself.