A normal month
Nothing unusual happens. A check-up, a sore throat, a refill.
- Annual physical
- Preventive care, $0.
- Primary care visit
- $25 copay in network.
- Lab work
- $50 copay in network.
- A generic prescription
- From $15.
No health benefits at work?Kind Benefits puts real options within reach.
A VitalCare insurance plan for everyday care, plus a separate Zion HealthShare membership for larger eligible costs. Two products from two organizations, bought together as one package at one monthly price. The Zion membership is not insurance.
Packages from $204/month by bank draft (ACH). The standard card price is higher. Your price depends on age, household, plan and IUA.
Lowest package price as of November 1, 2026.
Your package has one monthly price that includes your VitalCare plan and your Zion HealthShare membership. Every package has two prices: the standard price, paid by card, and a lower bank-draft (ACH) price. Both are shown before you choose, and you pick your payment method at checkout. A tobacco surcharge applies if you or anyone covered by your membership has used tobacco in the past 12 months ($50.00/month by bank draft).
This bundle includes a VitalCare Minimum Essential Coverage (MEC) plan and a separate Zion HealthShare medical cost-sharing membership. VitalCare MEC does not provide comprehensive major medical insurance or meet the ACA Minimum Value standard. Zion HealthShare is not insurance, and payment or sharing of medical expenses is not guaranteed. Membership is subject to Zion's Member Guidelines.
Before you choose
- VitalCare is Minimum Essential Coverage, not comprehensive major medical insurance. It doesn't meet the ACA Minimum Value standard and doesn't cover hospital stays, surgery or the emergency room. Plan benefit summaries
- Zion HealthShare is not insurance. Sharing is voluntary, governed by the Member Guidelines, and payment isn't guaranteed. Some expenses are ineligible. Member Guidelines
- You pay your IUA per eligible need, up to 3 per household in a rolling 12-month period. The three-IUA limit is not an out-of-pocket maximum. IUA levels, line by line
- Needs that began before membership are limited and phase in. Maternity has a six (6)-month waiting period and its own IUA. Read the rules in the Member Guidelines
- Not eligible for ACA premium tax credits. Available in every state except Washington (WA). State-specific notices (Zion HealthShare)
Two ways to start
Answer a few questions and get a suggested package with the reasons for it, or go straight to all six packages with live prices, side by side.
Help me choose
About a minute. No health questions, no contact details.
Compare all six
Live prices for your household. Compare up to three at once.
Help me choose
A few quick questions about what you want — not about your health. You’ll get a suggested plan and IUA with the reasons for it, or an honest “this probably isn’t the right fit.” No contact details, and nothing you select is saved or sent.
Question 1 of 8About a minute
No health questions, and no contact details — your result appears as soon as you finish.
Six ways to build your package
Every package pairs one of two VitalCare insurance plans with a Zion HealthShare membership at one of three IUA levels. Pick a row and a column.
| $1,250 IUA$3,750 household limit (3 IUAs) | $2,500 IUA$7,500 household limit (3 IUAs) | $5,000 IUA$15,000 household limit (3 IUAs) | |
|---|---|---|---|
| VitalCareCopays from the first visit. | VitalCare & Zion — $1,250 IUASee prices | VitalCare & Zion — $2,500 IUASee prices | VitalCare & Zion — $5,000 IUASee prices |
| VitalCare DeductibleDesigned for HSA compatibilityA deductible first; designed for HSA compatibility (eligibility not guaranteed). | VitalCare Deductible & Zion — $1,250 IUASee prices | VitalCare Deductible & Zion — $2,500 IUASee prices | VitalCare Deductible & Zion — $5,000 IUASee prices |
A higher IUA means a lower monthly price and more paid per need.
VitalCare Deductible is designed to meet HSA-compatible high-deductible health plan requirements. Your eligibility to contribute to an HSA depends on your individual circumstances and other health coverage or arrangements, including Zion HealthShare. Enrollment does not guarantee HSA contribution eligibility.
*The three-IUA limit is not an overall medical-expense maximum. Sharing of eligible expenses is voluntary and not guaranteed. Zion HealthShare is not insurance.
Two products. One package.
They come from two different organizations and they work differently. That difference is the whole idea, and it's worth two minutes of your time.
Insurance
A VitalCare plan for everyday care
This part is insurance. It covers the healthcare you use most months, in network, on one of two plans.
- Preventive care at $0 on both plans
- VitalCare (Standard): $25 primary and specialist copays from the first visit
- VitalCare Deductible: the same copays after a $3,000 individual / $6,000 family deductible
- $0 virtual urgent care on both; $0 virtual behavioral health on Standard only
- Prescriptions: copays from $15 on Standard; PureRx discount only on Deductible
Not insurance
A Zion HealthShare membership for the large costs
This part is not insurance. Zion HealthShare is a community whose members help pay one another's larger eligible medical costs. Sharing is voluntary and payment is not guaranteed.
- Hospital stays, surgery and accidents
- You pay your IUA first — $1,250, $2,500, or $5,000 per eligible need, as you choose
- No more than 3 of those per household in any rolling 12-month period
- See any provider — there is no network on this side
- Members share eligible amounts above your IUA
VitalCare Deductible is designed to meet HSA-compatible high-deductible health plan requirements. Your eligibility to contribute to an HSA depends on your individual circumstances and other health coverage or arrangements, including Zion HealthShare. Enrollment does not guarantee HSA contribution eligibility.
Why can this cost less?
You're not buying a cheaper version of the same insurance policy. The structure is different, and the difference is where the cost comes out.
The insurance part isn't priced to absorb a hospital bill
Both VitalCare plans are built for office visits, labs, preventive care and everyday needs. They don't cover hospital stays, surgery or the emergency room, so they aren't priced as though they do. That's also why the package has a second part.
The large costs run through a membership, not a policy
Zion HealthShare is a community of members who help pay one another's eligible medical costs. It carries no insurance company's guarantee, so it isn't priced like insurance.
On the sharing side you're a self-pay patient
There's no network on the cost-sharing side, so you can ask any provider for cash pricing, which is often lower than the amount billed to an insurer. Zion HealthShare also works to negotiate eligible bills down before members share them.
You carry a defined first portion of each large need
You pay your IUA — $1,250, $2,500, or $5,000, as you choose — on each eligible need, up to 3 IUAs ($3,750, $7,500, or $15,000) across your household in any rolling 12-month period. A higher IUA means a lower monthly price.
Lower cost isn't the same as equal protection. This approach doesn't give you the contractual guarantee an insurance policy does. The "Before you choose" list at the top of this page is about exactly that.
What you'd pay
Choose your household, age, plan and IUA below. The card and bank-draft prices update as you go — no contact details needed.
Packages from $204/month by bank draft (ACH). The standard card price is higher. Your price depends on age, household, plan and IUA.
Lowest package price as of November 1, 2026.
Your package has one monthly price that includes your VitalCare plan and your Zion HealthShare membership. Every package has two prices: the standard price, paid by card, and a lower bank-draft (ACH) price. Both are shown before you choose, and you pick your payment method at checkout. A tobacco surcharge applies if you or anyone covered by your membership has used tobacco in the past 12 months ($50.00/month by bank draft).
Tobacco sharing limits, from the Zion HealthShare Member Guidelines, updated 1/1/2026:
Read the Member GuidelinesMedical cost sharing for eligible sharing requests of current or previous tobacco users who have utilized tobacco within the past 15 years are limited to $50,000 for each of the following four disease categories:
- Stroke
- Cancer -Tobacco Related
- Heart conditions
- Chronic obstructive pulmonary disease (COPD)
Although the surcharge may be removed, the sharing limitations as described in Sharing Limitations on Tobacco Use will remain.
This bundle includes a VitalCare Minimum Essential Coverage (MEC) plan and a separate Zion HealthShare medical cost-sharing membership. VitalCare MEC does not provide comprehensive major medical insurance or meet the ACA Minimum Value standard. Zion HealthShare is not insurance, and payment or sharing of medical expenses is not guaranteed. Membership is subject to Zion's Member Guidelines.
Who you'd be dealing with
Three organizations, three different jobs. It's worth knowing which is which before you enroll.
Kind Benefits
The program you're reading aboutBrings the two products together as one package and is how you enroll. Administered by Basic Benefits, LLC.
VitalCare
The insurance planThe insured plan for everyday care — Standard or Deductible — using the MultiPlan PHCS network. This part is insurance and is regulated as such.
Zion HealthShare
The cost-sharing membershipAn independent health care sharing ministry with its own membership, its own Member Guidelines and its own organization. It isn't owned by, controlled by or affiliated with the insurance side, and it isn't an insurance company.
After you enroll
Your member portal
The Basic Benefits member portal, where you sign in once you're enrolled.
Member portalThe Member Guidelines
Zion HealthShare's rules for what is shareable, and how. They control.
Read the Member GuidelinesZion HealthShare member support
Questions about sharing, needs and your membership go to Zion HealthShare directly. Members sign in to its member portal.
Call 888-920-9466member@zionhealthshare.org
Zion HealthShare member portal
When something big happens
Present as a self-pay patient, get itemized bills, and submit them within 6 months of the date of service, following the sharing-request steps in the Member Guidelines. For a planned procedure, make contact before the date.
What Zion HealthShare is, in plain terms
Zion HealthShare is a health care sharing ministry. When a member has a large eligible medical need, the community's shared funds are used to help pay it.
It isn't an insurance company and a membership isn't an insurance policy. Nobody is contractually obliged to pay your medical bills, sharing is voluntary and determined under the Member Guidelines, and payment isn't guaranteed.
Zion HealthShare is a separate organization from the insurance side of this program, and its membership stands on its own. If you enroll, you're joining it as a member.
Reviews of Zion HealthShare membership, written by its members, not reviews of Kind Benefits.
Read Zion HealthShare member reviews (opens Zion HealthShare's site)So what's the catch?
There's no version of this where we'd rather you found this out after enrolling. Here is the honest list.
The cost-sharing part isn't insurance, and payment isn't guaranteed.
Zion HealthShare is a health care sharing ministry, not an insurance company. Members share eligible costs voluntarily under the Member Guidelines. There is no contract obligating anyone to pay your bill.
The insurance part doesn't cover hospital, surgery or the ER.
Those are exactly the costs that go to the cost-sharing side. If you want a single insurance contract that covers everything, this isn't that.
Out-of-network care isn't covered on the insurance side.
VitalCare uses the MultiPlan PHCS network. Check that your doctor is in it before you enroll — and before any appointment.
You need money available when something big happens.
Your IUA ($1,250, $2,500, or $5,000) per eligible need, up to 3 IUAs ($3,750, $7,500, or $15,000) across your household in any rolling 12-month period. Members who keep that set aside have a very different experience from those who don't.
This asks more of you than one insurance card does.
On the cost-sharing side you present as self-pay, ask for itemized bills and submit them within 6 months. If you want to hand over a card and never think about it, say so — that's a real reason to choose differently.
Medical needs that existed before you joined are treated differently.
The Member Guidelines set out how needs that began before your membership are handled, and the rules aren't the same as for needs that begin afterward. Read that section before you decide.
ACA premium tax credits don't apply here.
If financial assistance substantially reduces what you pay on the Marketplace today, that's usually the better deal and we'll tell you so. Check HealthCare.gov first.
How this compares with traditional individual health insurance
The same 10 questions, answered honestly for both. Some of these favor a traditional plan, and we've left them in.
| Traditional individual health insurance | Kind Benefits | |
|---|---|---|
| What it is | A single insurance contract with one company. | Two products: a VitalCare insurance plan for everyday care, plus a separate Zion HealthShare membership for larger costs. |
| Is it insurance? | Yes, in full. | The VitalCare plan is insurance. The cost-sharing membership is not. |
| Payment obligation | The insurer is contractually obliged to pay covered claims. | VitalCare is obliged to pay its covered benefits. On the cost-sharing side, members share eligible costs voluntarily and payment is not guaranteed. |
| ACA premium tax credits | May be available through the Marketplace, and can substantially reduce what you pay. | Not available. |
| Monthly cost structure | One monthly price, typically rising with the level of coverage. | One monthly price for the package, covering both the VitalCare plan and the membership. |
| Providers and networks | Network-based, with out-of-network rules set by the plan. | VitalCare uses the MultiPlan PHCS network and does not cover out-of-network care. The cost-sharing side has no network — you may see any provider as a self-pay patient. |
| What you pay when something big happens | A deductible, then co-insurance, up to an annual out-of-pocket maximum. | Your IUA ($1,250, $2,500, or $5,000) for each eligible need, up to 3 IUAs ($3,750, $7,500, or $15,000) across your household in any rolling 12-month period. The three-IUA limit is not an out-of-pocket maximum. |
| What you have to do | Present your card; the provider usually bills the insurer. | On the cost-sharing side you present as self-pay, request itemized bills and submit them within 6 months. |
| Medical needs that began before you joined | Covered from your effective date; they cannot be excluded. | Handled under the Member Guidelines, which limit them and phase them in. Review that section before deciding. |
| When you can enroll | Open enrollment, or a qualifying life event. | Year-round. Add a newborn within 30 days of birth. |
Common questions
Is this package an insurance plan?
Partly. The package has two parts. The VitalCare plan is insurance — it meets Minimum Essential Coverage (MEC) standards but does not meet Minimum Value, so it is not a major medical plan. The Zion HealthShare membership is not insurance: it is a health care sharing ministry, sharing is voluntary, and payment of your medical bills is not guaranteed.
Can I use my own doctor?
VitalCare uses the MultiPlan PHCS network, and out-of-network care is not covered. Before enrolling — and before any appointment — check that your doctor is in network at multiplan.com or by calling 1-800-457-1309.
When do my VitalCare benefits and Zion HealthShare membership begin?
Both begin together on your start date, which is the 1st of a month. If you enroll by the 25th, your start date is the 1st of the next month. Your first month's payment is charged when you enroll, and monthly payments after that are charged on the 25th. Your exact start date and payment schedule are shown on the review screen before you submit. Timing rules also apply to medical needs that began before your membership, and to maternity (a six (6)-month waiting period) — see the Member Guidelines.
What if I already have insurance?
The package pairs a VitalCare insurance plan for everyday care with a Zion HealthShare membership for large medical events. The HealthShare portion is not insurance. If you already have comprehensive coverage, talk with an advisor before making any change — and if you qualify for ACA premium tax credits, a marketplace plan may be the better fit. Check HealthCare.gov first.
Would it be easier to just ask someone?
A benefits specialist can walk through your situation, tell you when a Marketplace plan is the better answer, and answer the questions this page hasn't.
or call 855-617-8205
No obligation, and no pressure to enroll on the call.
See what it would cost you
A real monthly price for your household, card and bank draft side by side. No contact details, and no commitment.