How much does health sharing save you per month?

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If you’ve evaluated the pros and cons of health sharing and decided a health share is right for you, the good news is you will save money each month on your premiums. How much depends on your age and household size with higher savings the older you are and the bigger your household size. In this article we take a look at the savings a typical 40 and 60 year old would experience with an individual plan as well as a plan with a family of four.

Individual Estimated Monthly Savings by Age

This breakdown compares MPB Health’s HSA Secure health share plan premiums against unsubsidized ACA Silver-tier insurance plan premiums. Bear in mind that if you qualify for premium tax credits (i.e. make less than 400% of the federal poverty level), your actual ACA cost could be far lower than what’s shown here.

Age	Est. Unsubsidized ACA Silver	Secure HSA	Est. Monthly Savings
40	~$625	$266	~$359
60	~$1,050	$448	~$602

The savings gap widens the older you get because ACA plans are allowed to charge up to 3x more for individuals within the highest age bracket compared to those in the lowest - and they often do. Health share plans also charge more the older you get since older individuals experience more health care needs but the rate of increase tends to be more shallow than ACA plans.

Family Plan Estimated Monthly Savings by Age

We re-run the same example as above but this time with a family of four. We assume both adults on the plan are the same age with 2 kids in their late teens and that the ACA Silver plan premium for each child is ~$300.

Oldest Family Member Age	Est. Unsubsidized ACA Silver	Secure HSA	Est. Monthly Savings
40	~$1850	$817	~$1,033
60	~$2,700	$1,070	~$1,630

The savings gap widens further with family plans as ACA plan premiums simply sum up the premiums for each individual covered by the family plan whereas health share plans generally provide a significant discount.

The Complete Picture

It’s important to note that the above examples look only at premiums. Your true total cost savings depends heavily on deductibles, co-insurance rates, and max out of pocket limits. See our real cost comparison guide for the full picture. Spoiler alert: your savings on a health share plan go up significantly when you include these additional factors.

How to Get Your Real Number

1. Check your ACA subsidy eligibility using the Healthcare.gov calculator or your state marketplace, based on your household income.
2. Get an instant MPB Health quote through the plan comparison tool using your age, household size, and IUA (deductible) preference.
3. Subtract the two to see your monthly savings rather than relying on the age-based estimates above.

Bottom Line

Health sharing’s monthly savings compared to unsubsidized ACA insurance aren’t flat across every age and household size — they grow substantially as you get older and/or your family grows. For a single, younger adult, the gap might be a few hundred dollars a month; for someone older with a large family, it can approach $2,000 a month. Either way, running your own numbers rather than relying on national averages is the only way to know your real savings.