Altrua HealthShare

What Altrua HealthShare does

Altrua HealthShare is a faith-based health care sharing ministry (HCSM) operated by Altrua Ministries, a 501(c)(3) nonprofit established in 2000 and sharing medical expenses continuously since 1997. Members voluntarily contribute monthly to share one another's eligible medical costs; the organization is not an insurance company and members are classified as self-pay patients. The ministry is recognized by CMS as a Health Care Sharing Ministry since 2014, granting members exemption from the ACA individual mandate, and serves more than 24,000 members across more than 14,000 households nationwide in the United States.

The core product is a four-tier membership program (Diamond, Emerald, Sapphire, Ruby) priced at $136–$1,145 per month, with ancillary offerings including SmileShare dental sharing ($29–$190/mo) and a suite of discount benefits (dental, vision, hearing, LASIK, labs, prescriptions, telemedicine, fitness). Underlying technology consists of a cloud-based member management platform with three portals — a Member Portal, a Provider Portal, and an iOS/Android mobile app (HealthWallet) — that handle enrollment, medical need submission and status tracking, virtual ID cards, digital wallets, and provider search. The platform integrates with major PPO networks (First Health, MultiPlan/PHCS), a claims processor (Zelis), and specialty networks for dental (Bento/Careington), pharmacy (ManifestRx), labs (Quest Diagnostics, GrassRoots Labs), vision (Superior Vision, QualSight), hearing (EPIC), and virtual care (DialCare via Careington).

Revenue is generated through recurring monthly membership contributions, tiered by age and household size, plus one-time application and enrollment fees ($100 application fee plus $25 to Altrua Ministries). Altrua distributes through a direct-to-consumer model combining online self-serve enrollment, phone-based member services, a field network of Independent Member Representatives, and a $100/$100 'Share the Care' member referral program. The customer base is a horizontal mix of individuals, families, self-employed individuals, small businesses, and faith-based organizations seeking an alternative to traditional health insurance.

Name

Altrua HealthShare

Legal name

Altrua Ministries

Website

https://altruahealthshare.org

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

1–10 employees

Short description

Altrua HealthShare is a faith-based health care sharing ministry operated by Altrua Ministries, a 501(c)(3) nonprofit, serving 24,000+ members across 14,000+ U.S. households through four monthly membership tiers plus SmileShare dental and discount benefits.

Ownership category

akta.pro rank

Product category

Health Care Sharing Ministry

NAICS

Religious Organizations (8131), Health Care and Social Assistance (62), Religious, Grantmaking, Civic, Professional, and Similar Organizations (813)

SIC

Services-Health Services (8000), Services-Membership Organizations (8600)

akta.pro primary industry

Faith-Based Healthcare Ministries (Hospitals, Clinics, Medical Missions) (BPAGAJAH)

akta.pro secondary industry

Hospitals, Clinics & Charitable Healthcare Providers (BPAGACAB)

Keywords

• Health care sharing
• Medical cost sharing
• Health sharing ministry
• Dental sharing program
• Faith-based healthcare

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Monthly Membership Contributions: Altrua HealthShare generates revenue through monthly membership contributions from members. Contributions vary based on membership tier (Diamond, Emerald, Sapphire, Ruby), age of the primary member, and number of household members. Monthly contributions range from $136 to $1,145 depending on these factors.
2. Application and Enrollment Fees: New members pay a $100 application fee upon enrollment and a $25 non-refundable fee that goes to Altrua Ministries. These are one-time fees charged at initial enrollment.
3. SmileShare Dental Membership: Altrua offers a separate dental sharing program called SmileShare with three tiers (Plus $58/mo, Standard $40/mo, Essential $29/mo) generating additional recurring revenue from dental cost-sharing memberships.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

Altrua HealthShare operates a faith-based health care sharing ministry where individuals, couples, and families make monthly contributions to share each other's eligible medical expenses. The core GEMs Membership is offered in four tiers (Diamond, Emerald, Sapphire, Ruby) with varying contribution levels, Member Responsibility Amounts, and lifetime/annual limits. Ancillary offerings include the SmileShare dental sharing program and a suite of partner-powered services covering prescriptions, virtual care, labs, vision, hearing, LASIK, and wellness discounts.

Product overview

Altrua HealthShare is a faith-based health care sharing ministry that operates as a single unified membership program with ancillary products. The core offering facilitates member-to-member sharing of eligible medical expenses through monthly contributions. The portfolio includes four GEMs membership tiers (Diamond, Emerald, Sapphire, Ruby) with varying coverage levels and contribution amounts, plus two ancillary products: SmileShare (dental sharing) and an integrated mobile app. The company is not an insurance company and members are self-pay patients.

Differentiator

Problem solved

Functional benefit

Products and services

• GEMs Membership (Diamond, Emerald, Sapphire, Ruby) Core health care sharing membership offered in four tiers — Diamond ($356–$1,145/mo), Emerald ($318–$1,056/mo), Sapphire ($173–$849/mo), and Ruby ($136–$265/mo) — where members contribute monthly to share eligible medical expenses of fellow members. Includes up to 6 pooled office visits per member, unlimited telemedicine, cancer treatment sharing, and tier-dependent maternity, adoption, laboratory, and lifetime/annual limits. For individuals, couples, and families who agree to the Statement of Standards.
• SmileShare Dental Sharing Standalone dental cost-sharing membership with three tiers — Plus ($58–$190/mo, $2,000 annual sharing), Standard ($40–$160/mo, $1,000 annual sharing), and Essential ($29–$124/mo, $500 annual sharing) — covering preventative, basic restorative, major restorative, and orthodontic services through the Bento Dental network of 350,000+ access points. For Altrua members and individuals seeking affordable dental sharing.
• DialCare Virtual Care Virtual primary care, virtual urgent care, and virtual behavioral health services available 24/7, 365 days a year. Accessed through the HealthWallet app via the Careington partnership. For Altrua members needing remote medical and mental health consultations.
• ManifestRx Prescription Discount Prescription discount program providing 15–60% off generic drugs and 10–25% off brand name drugs at 62,000+ participating pharmacies nationwide (CVS, Walgreens, Walmart, Target, Safeway, Duane Reade, Rite Aid, and others), with free home delivery via online pricing. For Altrua members seeking prescription cost savings.

Quantifiable outcome

• Up to $500 mammogram coverage for female members age 40+ and male members age 50+
• +5 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

Feature3 records

Partnerships

15 partnerships are on record, tiered core and supporting.

• First Health NetworkcoreTechnology or IntegrationFirst Health is a national PPO network providing Altrua members with access to one of the largest provider networks in the country, including Johns Hopkins Hospital, Stanford Health Care-Stanford Hospital, UCLA Medical Center, and Yale New Haven Hospital. Medical needs for GEMS and MyShare memberships (dates of service October 1, 2025 onward) are submitted through First Health C/O Altrua HealthShare with PAYER ID 12175.
• ZeliscoreTechnology or IntegrationZelis processes medical needs for GEMS and MyShare memberships for dates of service September 31, 2025 and older. PAYER ID 07689. Zelis C/O Altrua HealthShare, PO Box 247, Alpharetta, GA 30009-0247.
• ManifestRxcoreTechnology or IntegrationManifestRx provides prescription discount program for Altrua members at over 62,000 pharmacies nationwide, including major chains like CVS, Walgreens, Walmart, Target, Safeway, Duane Reade, and Rite Aid. Includes free home delivery through online pricing.
• Careington International CorporationcoreTechnology or IntegrationCareington provides dental, hearing, vision, and specialty health discounts including: dental savings of 20-50%, hearing aid discounts of 30-60% at 5,000+ providers, ChooseHealthy program with 25% off specialty health providers, and Active&Fit Direct gym membership program.
• Bento (Bento Dental)coreTechnology or IntegrationBento provides SmileShare dental sharing platform with over 350,000 dental access points. Powered by Bento Dental App for member ID cards, claims processing, and provider network access. Includes Bento Concierge support at 800-985-9073.
• Quest DiagnosticssupportingTechnology or IntegrationLab services provider offering members 10-80% off regular retail pricing at over 3,000 certified labs nationwide. Laboratory services must be obtained through in-network facility to be eligible for sharing.
• Superior VisionsupportingTechnology or IntegrationVision discount program offering 5-30% off eyewear with discounts on exams, eyeglasses, contact lenses, and LASIK at more than 40,000 participating provider locations. Washington State residents receive 20-40% off through EyeMed Vision Care Access Plan D.
• QualSight / LASIK PlussupportingTechnology or IntegrationLASIK vision correction program offering 40-50% off traditional LASIK surgery at over 1,000 locations nationwide. Special pricing: Traditional LASIK bladeless at $695/eye (1-year enhancements) or $1,395/eye (lifetime enhancements); Custom LASIK bladeless at $1,895/eye (lifetime enhancements).
• EPIC Hearing HealthcaresupportingTechnology or IntegrationHearing care provider offering 30-60% discounts on hearing aids at over 5,000 network providers. Includes 45-day trial period, routine hearing test, 1-year to lifetime battery supply, extended 3-year warranty, and follow-up visits. Wellness rewards up to $400 off two hearing aid devices.
• ChooseHealthy (American Specialty Health)supportingTechnology or IntegrationWellness program providing 25% off specialty health care providers including 70,000+ chiropractors/musculoskeletal providers, and access to 9,000+ fitness centers through Active&Fit Direct for $25/month plus $25 enrollment fee.
• DialCare (Careington)supportingTechnology or IntegrationVirtual care and mental health services including Virtual Primary Care, Virtual Urgent Care, and Virtual Behavioral Health. Doctors available 24/7, 365 days/year. Services accessed through HealthWallet app.
• Alliance Health Care Sharing MinistriessupportingOthersIndustry association of health care sharing ministries. Altrua HealthShare is a member of Alliance HCSM, which provides industry representation and promotes standards for faith-based health cost sharing organizations.
• Dignity MemorialsupportingTechnology or IntegrationFuneral service discount provider for Diamond membership. Provides $5,000 maximum sharing limit per household per calendar year for funeral needs. Not available to Texas residents.
• GrassRoots LabssupportingTechnology or IntegrationLaboratory services provider offering discounted lab testing for members, complementing Quest Diagnostics network.
• MultiPlan / PHCSsupportingTechnology or IntegrationProvider network used for member provider searches. Members can search for PHCS network providers through MultiPlan website at providersearch.multiplan.com.

Scale indicators8 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Medi-Share (Christian Care Ministry): The largest faith-based Health Care Sharing Ministry in the US, offering tiered monthly sharing programs for individuals and families on a biblical Statement of Standards. Directly comparable to Altrua across product structure, member model, and CMS-recognized HCSM status.
• Samaritan Ministries International: Faith-based HCSM operating since the early 1990s with monthly share-to-share contributions and a Statement of Faith, serving tens of thousands of households. Closest analog to Altrua's community-of-believers sharing model and ACS/Diamond-style tiering.
• Christian Healthcare Ministries: Long-running HCSM offering Gold, Silver, and Bronze monthly sharing programs plus dental and vision add-ons for individuals and families. Directly comparable to Altrua's multi-tier GEMs structure and add-on ancillary products.
• Liberty HealthShare: Faith-based HCSM offering multiple sharing programs (Liberty Rise, Liberty Connect, Liberty Essential) with annual unshared amounts analogous to MRAs. Closely comparable to Altrua's four-tier GEMs structure.
• Sedera Health: Health sharing organization offering community health-sharing memberships with monthly contributions and direct-pay member experience. Comparable modern-era HCSM targeting individuals, families, and small groups with similar ACA-exempt model.
• OneShare Health: Faith-based HCSM with multi-tier plans and add-on programs (dental, vision, pet) sharing medical needs among members. Directly comparable to Altrua's four-tier structure plus ancillary add-ons like SmileShare.
• Zion HealthShare: Health care sharing ministry offering Essentials, Premier, and Direct Membership tiers with household-based monthly contributions. Directly comparable member-funded sharing model targeting similar faith-based and ACA-exempt consumers.

Emerging players

• Crowd Health: Tech-enabled, community-funded medical bill sharing platform that crowdsources member contributions for medical needs without requiring a faith statement. Comparable consumer-facing cost-sharing model to Altrua but secular and emerging — direct emerging competitor.

Broad incumbents

• Careington International Corporation: Established national provider of dental, vision, hearing, wellness, and telehealth discount programs — and an actual Altrua partner (Careington powers Altrua's discount stack and DialCare). Comparable as a broad health-discount incumbent serving similar member/employer audiences.
• Bento Dental: Dental benefits platform with 350,000+ access points powering Altrua's SmileShare product and used by other HCSMs and employer plans. Directly comparable dental-sharing infrastructure layer underlying SmileShare.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/altruahealths
• Facebookfacebook.com/AltruaHealthShare
• LinkedInlinkedin.com/company/altrua-healthshare

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Altrua HealthShare