AlumniCare vs. Obamacare
Healthcare sharing vs traditional ACA insurance
AlumniCare or a Silver ACA plan?
AlumniCare is usually the stronger value if you do not have significant pre-existing conditions. A Blue Cross Silver plan is usually the better fit if those conditions must be covered right away.
AlumniCare
Healthcare sharing membership · NFL Alumni partnership
Hospitalization Stronger
Can share up to 100% of an eligible hospital bill after the MRA. Visit limits can be set by you at the start of the year.
Customization Stronger
MyShare lets you choose how many visits are included. Office visits can be pooled across family members.
Primary, urgent, specialists Stronger
Referrals are not required. ED, CT/PET, physical therapy, and medical fees are also marked stronger in this comparison.
What it does not cover up front
Significant pre-existing conditions are not shared at the start. Some may become eligible after a waiting period. Mental health, alcoholism, and drug treatment are not the stronger option here.
Blue Cross Silver
ACA benchmark PPO · no medical underwriting
Pre-existing conditions Stronger
Covered under ACA rules. This is the practical choice when a condition must be covered immediately.
Mental health and substance use Stronger
ACA essential health benefits include mental health, alcoholism, and drug treatment.
Hospitalization
Silver-level coinsurance in this comparison is about 70% after the deductible, versus up to 100% sharing after the AlumniCare MRA.
Locked plan design No customization
Visit limits, services, and pricing are fixed. Provider access, claims payment method, chiropractic, speech/OT, and telemedicine are treated as a tie.
AlumniCare is a health care sharing ministry membership, not insurance. Figures are from the AlumniCare comparison dated for this page and should be confirmed before enrollment. Percentages are versus the AlumniCare monthly amounts shown.