A health care sharing ministry (HCSM) is an organization where members share the cost of each other's medical expenses, based on shared religious or ethical beliefs.

Instead of traditional health insurance, members contribute a monthly share to a pool, which is then used to pay for qualifying medical expenses of other members.

Members may save significantly on monthly shares compared to traditional health insurance premiums without a tax credit.

These ministries are not considered health insurance companies and are not subject to the same regulations and consumer protections as traditional insurance, including those under the Affordable Care Act (ACA).