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Health share comparison - HSA plans with health sharing plans

 Can you have HSA with health sharing plans

Can you have an HSA account with Health Sharing Plans?

Covered California Bronze Plans Explained (Standard vs HDHP) - Watch on YouTube


Important Update on OneShare


OneShare has recently been accredited by The Healthcare Sharing Accreditation Board. The Healthcare Sharing Accreditation Board is an independent entity formed to review the operations of ministries to determine if they meet the highest standards. They review everything in the organization: member communications, guidelines, financials, governing documents, etc. They ensure that the ministry meets all of their core tenets and then grant accreditation if they do. OneShare Health is only the third ministry to get the accreditation. https://hcsab.org/

Additionally, to date (Jan 2026) they have shared almost 280 million dollars ( $279.212,555 to be exact). In the last 12 months they have received $47,564,074 in member contributions and have shared $21,008,250 in medical bills.

You can quote/enroll HERE


They should be the 1-2 punch of saving for healthcare costs.

  • The lower monthly cost for health sharing plans
  • The tax saving benefits of HSA accounts.

Can we have our cake and eat it too?

We get the question every day now as both seem to attract like-minded people.

We'll answer the question below (promise) and also talk about:

  • how to consider the HSA results in your cost comparison
  • What happens with an existing HSA
  • Is there legislation regarding health sharing and HSA's pending

Let's get right into it with the key question

Can you have an HSA account with health sharing options?

Currently, you cannot fund an HSA account if you do not have an HSA compatible plan.

There are certain rules on what makes an HSA compatible plan eligible.

But definitely...it has to be an insurance plan.

Health sharing plans are not health insurance by definition.

You can check out the differences between health sharing versus health insurance here.

So...as it currently stands, we cannot fund or open a health savings accounts.

What about if we have an existing account?

Existing HSA accounts and health sharing plans

You can continue to spend down an HSA account for eligible out-of-pocket expenses.

You just can't put additional funds into the account (with the tax benefits, anyway).

You're not required to spend down but it's definitely an option.

Cost calculation of not having HSA account option with health sharing plans

If we're not getting a tax credit, health sharing plans can be much less expensive than ACA health insurance bronze plans.

We generally see rates about 1/2 of the bronze level plan.

We need to also look at the HSA deduction savings in this calculation.

Assume the following for a person:

  • Funds $3000/year in an HSA account
  • 33% tax bracket

That's about $1000/year in real after tax savings assuming we fully fund this amount.

This is approximately $80/month is savings.

Ideally, we would need to take this into account when comparing costs between health sharing and HSA qualified plans.

If you're older, the cost difference between HSA qualified plans and health sharing plans can be significant.

Significant enough to override the tax savings of the HSA.

For younger people, that might not be the case.

Are there any plans to change the HSA account and health sharing plans discord?

Any legislation to combine HSA accounts and health sharing plans?

There were signs of nascent legislation to add parity for people with health sharing plans who wanted the HSA deductions.

With the current state of Congress, it's probable that this legislation is dead in the water.

We'll keep an eye out for any changes on that front.

You can quote health sharing plans here:

health sharing for short term plans in California

Also, see a comparison of health sharing plans and our analysis of the best health sharing ministry plan here.

Make sure to learn about the differences between health sharing plans and Obamacare.

We're happy to help with any questions.

There is ZERO cost for our assistance!

Again, there is absolutely no cost to you for our services. Call 800-320-6269 Today!


Frequently Asked Questions
▸ Can you have an HSA with a health sharing plan?
Generally, no. Health sharing plans are not considered qualifying high-deductible health plans (HDHPs) under IRS rules, so you typically cannot make new HSA contributions while enrolled in one. If you're considering a health sharing plan, speak with a licensed agent about how this may affect your tax strategy.
▸ What happens to my existing HSA if I switch to a health sharing plan?
Your existing HSA funds generally remain yours and can still be used for qualified medical expenses even after switching to a health sharing plan. However, you typically cannot contribute new funds to the HSA while your only coverage is a non-qualifying health sharing arrangement. Confirm the specifics with a tax advisor before switching.
▸ Is there any legislation to allow HSAs with health sharing plans?
There have been legislative proposals in Congress to allow health sharing plan members to contribute to HSAs, but as of now no such law has been enacted. The rules remain subject to change, so it's worth monitoring developments or asking a licensed agent for current guidance.
▸ How does not having HSA access affect the cost of a health sharing plan?
Losing the ability to make tax-deductible HSA contributions can meaningfully increase your effective out-of-pocket costs, since you forgo the pre-tax savings that an HSA-qualified plan would provide. When comparing a health sharing plan to an HDHP, factor in the lost tax benefit alongside the monthly contribution difference. A Covered California quote can help you compare real plan options side by side.
▸ Do Covered California Bronze plans offer HSA-compatible options?
Some Covered California Bronze plans are offered as High Deductible Health Plans (HDHPs) that qualify for HSA contributions - these are sometimes called Bronze HDHP plans. Availability varies by carrier and region across California, so getting a current quote is the best way to see which HSA-compatible plans are offered in your area.
The answers above are general information about California health insurance and may change as rates, plans, and rules are updated each year. They are not a substitute for personalized advice. For current, personalized guidance, please contact us, email help@calhealth.net, or call 800-320-6269. Serving California since 1994.