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An Affordable Alternative
to Traditional Health Insurance

Explore Healthcare Cost Sharing

Universal Health Fellowship (UHF) is a nonprofit Health Care Sharing Ministry that connects members through the voluntary sharing of eligible medical expenses. If you’re looking for an affordable alternative to traditional health insurance, UHF offers flexible healthcare sharing programs designed to fit your lifestyle.

Whether you’re self-employed, own a small business, work part-time, or simply want greater control over your healthcare, UHF may be the right solution.

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Learn more about our programs or speak with a representative today.

About Universal Health Fellowship

Universal Health Fellowship helps members share eligible medical expenses through a community-based healthcare sharing program. Built on a non-denominational and inclusive statement of shared beliefs, UHF provides an alternative approach to managing healthcare costs.

Healthcare sharing has become a trusted option for millions of Americans seeking flexibility, affordability, and a supportive member community.

Is UHF Right for You?

Universal Health Fellowship is ideal for:

  • Self-employed individuals
  • Small business owners
  • Gig workers and independent contractors
  • Part-time employees
  • Individuals and families seeking an alternative to traditional insurance

UHF currently serves members in 38 states. Browse our resources to learn more about eligibility, provider networks, membership guidelines, and enrollment.

Provider Lookup Tool

FAQs (Frequently Asked Questions)

What is Healthcare Sharing?

Healthcare Sharing is a community-based approach in which members voluntarily contribute each month to help share one another’s eligible medical expenses. Universal Health Fellowship (UHF) is a nonprofit Healthcare Sharing Ministry—not an insurance company.

No, Universal Health Fellowship is not health insurance. It is a nonprofit Healthcare Sharing Ministry. Whereas traditional insurance is a contractual agreement between an insurance company and a policyholder, Healthcare Sharing ministries rely on members’ monthly contributions to help share eligible medical expenses within the community according to established Sharing Guidelines.

Many members choose Healthcare Sharing because it offers:

  • Lower monthly costs
  • A community-centered approach
  • Greater transparency
  • Nationwide provider access
  • Telemedicine
  • Prescription benefits
  • Member Advocacy

Many members also appreciate that UHF is not a government program and offers a simple enrollment process.

Healthcare Sharing Ministries operate differently than insurance companies. Members voluntarily share eligible medical expenses according to established guidelines rather than purchasing an insurance policy. Because the Healthcare Sharing model differs from traditional insurance, monthly contributions are often significantly lower for many households. Actual savings vary depending on age, household size, program selection, and healthcare usage.

Yes, Healthcare Sharing Ministries have operated in the United States for decades. They are recognized under federal law and operate under their own legal framework rather than as traditional insurance companies.

The process is simple.

  • Step 1 – Become a UHF Member.
  • Step 2 – Make affordable monthly voluntary contributions.
  • Step 3 – If an eligible medical need occurs, submit it according to the Sharing Guidelines.
  • Step 4 – Eligible medical expenses are shared by the Healthcare Sharing community while UHF’s Member Advocacy Team helps guide you through the process.

Several features distinguish UHF from many Healthcare Sharing Ministries.

  • MultiPlan/PHCS provider access
  • Any accredited U.S. hospital
  • Unlimited Telemedicine beginning on Day One
  • Free UHSRx Prescription Program
  • Dedicated Member Advocacy Team
  • Cost Transparency
  • HealthTools option for Dental, Vision, and Mental Health
  • Up to $1,000,000 Annual Sharing Maximum (program limits apply)

Because UHF is not insurance, many familiar insurance terms don’t accurately describe how Healthcare Sharing works. For example, members make monthly voluntary contributions rather than paying insurance premiums. Medical expenses are submitted as eligible medical needs, not insurance claims. Using the correct terminology helps avoid confusion and accurately reflects how the program operates.

No, Universal Health Fellowship is a private, nonprofit Healthcare Sharing Ministry. It is not affiliated with Medicare, Medicaid, the Affordable Care Act Marketplace, or any other government healthcare program.

Universal Health Fellowship is administered as a nonprofit Healthcare Sharing Ministry and operates according to its established Sharing Guidelines. The ministry is committed to transparency, member support, and responsible stewardship of member contributions.

Because members voluntarily help one another. Instead of relying on a traditional insurance model, Healthcare Sharing is built on the principle that members support fellow members facing eligible medical needs. That sense of community is at the heart of the Healthcare Sharing experience.

Who is a good candidate for Universal Health Fellowship?

Healthcare Sharing may be an excellent solution for individuals and families looking for an affordable alternative to traditional health insurance. UHF is especially popular among:

  • Self-employed individuals
  • Independent contractors (1099)
  • Small business owners
  • Part-time employees
  • Families without employer-sponsored healthcare
  • Individuals who do not qualify for ACA subsidies
  • Faith community members
  • People looking for predictable monthly healthcare costs

Healthcare Sharing is not the right solution for everyone. Individuals who rely on comprehensive traditional insurance benefits or who expect every medical expense to be covered regardless of the Sharing Guidelines may find traditional health insurance more appropriate.  Likewise, individuals with significant unmanaged chronic medical conditions should discuss their situation with a UHF Advisor before enrolling.

Membership is open to individuals, couples, and families who:

  • Agree with the UHF Statement of Shared Faith and Beliefs
  • Complete the enrollment application
  • Meet the program’s membership requirements
  • Agree to follow the Sharing Guidelines

Certain medical conditions may affect when specific medical needs become eligible for sharing.

No, Universal Health Fellowship does not require a Social Security Number for membership.

No, Universal Health Fellowship is a private, nonprofit Healthcare Sharing Ministry. It is not part of:

  • Medicare
  • Medicaid
  • The Affordable Care Act Marketplace
  • Any federal or state government healthcare program

Membership is administered privately through Universal Health Fellowship.

No, UHF is not a government program. Your membership information is collected and maintained to administer your Healthcare Sharing membership.

No, Membership is not based on U.S. citizenship. Universal Health Fellowship welcomes eligible individuals who meet its membership requirements and agree to the Statement of Shared Faith and Beliefs.

No, although Healthcare Sharing Ministries are faith-based organizations, you do not need to belong to a particular church or denomination.

It is a statement describing the beliefs shared by members of Universal Health Fellowship. Because Healthcare Sharing is built on a community of shared values, members affirm the Statement of Shared Faith and Beliefs during enrollment. The Statement reflects the ministry’s Christian foundation and helps foster a community of trust, honesty, and mutual care.

Yes, Universal Health Fellowship offers membership options for individuals, couples, and families.

Yes, unlike many traditional health insurance plans that have limited open enrollment periods, Universal Health Fellowship accepts applications throughout the year.

No, enrollment is available throughout the year.

Membership is voluntary. UHF does not require long-term contractual commitments.

Yes, if your needs change, you may discontinue your membership at any time. However, you should make sure to avoid a gap in healthcare coverage.

Yes, new members have a 30-day money-back guarantee (excluding the one-time application fee), allowing time to review the Sharing Guidelines and determine whether Healthcare Sharing is the right fit.

We encourage every prospective member to:

  • Read the Sharing Guidelines carefully.
  • Review the Statement of Shared Faith and Beliefs.
  • Understand the Non-Sharable Amount (NSA).
  • Ask questions about pre-existing conditions.
  • Compare the available program options.
  • Attend one of our complimentary information sessions or schedule a personal consultation.

Our role is to help you understand how the program works and determine whether it fits your family’s needs. We’ll answer your questions honestly—if UHF isn’t the right solution for you, we’ll tell you.

Can I keep my doctor?

In many cases, yes. Universal Health Fellowship members have access to the nationwide MultiPlan/PHCS Provider Network, one of the largest healthcare networks in the country. Members may also use any accredited U.S. hospital. Even if your physician is outside the network, you may still have options. Your Healthcare Sharing Advisor or UHF Member Advocacy Team can help explain how provider choice works under the Sharing Guidelines.

Members may use any accredited hospital in the United States. For planned hospitalizations and certain procedures, pre-notification is required under the Sharing Guidelines. Emergency care should always be sought immediately.

Universal Health Fellowship uses the MultiPlan/PHCS Provider Network for physicians, specialists, and many outpatient services; it includes hundreds of thousands of healthcare providers nationwide. Using participating providers generally simplifies billing and helps members receive network discounts.

No, members are not required to designate a Primary Care Physician.

Generally, no. Unlike many managed care insurance plans, referrals are typically not required before seeing a specialist.

Yes, unlimited Telemedicine is included with eligible UHF programs beginning on Day One. Members may access licensed medical professionals 24 hours a day, seven days a week from virtually anywhere. There is no consultation fee for Telemedicine, and the Non-Sharable Amount (NSA) does not apply.

UHSRx is Universal Health Fellowship’s prescription benefit program. It is included with eligible Thrive programs at no additional cost.  Benefits include:

  • More than 1,000 generic maintenance medications
  • Free home delivery for eligible prescriptions
  • Urgent prescriptions available through participating pharmacies
  • Convenient prescription management

Many commonly prescribed medications for chronic conditions are included.

HealthTools is an optional enhancement that provides valuable healthcare discounts and support services. For a modest monthly household fee, members may receive access to:

  • Dental discounts
  • Vision discounts
  • Mental health counseling
  • Employee Assistance-style support

Dental and vision discounts are available through the optional HealthTools program.

Yes, certain preventive services are eligible according to the Sharing Guidelines. Included among them are:

  • Annual physical examinations
  • Well-child visits
  • Certain preventive screenings

Eligibility depends on the specific program and applicable waiting periods.

Always seek emergency medical care immediately. If you experience a medical emergency:

  1. Call 911 or go to the nearest emergency room.
  2. Receive the necessary emergency treatment.
  3. Notify UHF as soon as practical so the Member Advocacy Team can assist you with the sharing process.

One of the most valuable benefits of UHF is access to its dedicated Member Advocacy Team. Member Advocates help members:

  • Understand medical bills
  • Navigate provider questions
  • Explain Sharing Guidelines
  • Coordinate billing questions
  • Assist throughout the sharing process

Rather than navigating healthcare alone, members have experienced professionals available to help.

Several valuable benefits are available before your NSA is met. Depending on your program, benefits may include:

  • Unlimited Telemedicine
  • Office visits for accidents and acute illnesses
  • Emergency room visits for eligible emergencies
  • UHSRx prescription benefits
  • Member Advocacy
  • HealthTools (if selected)

This means members begin receiving value from their membership immediately rather than waiting until the NSA is satisfied.

Yes, because UHF utilizes a nationwide provider network and allows access to any accredited U.S. hospital, members retain flexibility when traveling domestically. If you’re planning international travel, speak with your Healthcare Sharing Advisor about available options and limitations.

✔ Nationwide MultiPlan/PHCS Network

✔ Any Accredited U.S. Hospital

✔ Unlimited Telemedicine

✔ Free UHSRx Prescription Program

✔ HealthTools Option

✔ Member Advocacy

✔ Preventive Care

✔ Emergency Care

✔ Flexible Provider Choice

✔ Nationwide Access

Understanding Your Costs

Healthcare Sharing is designed to make healthcare more affordable and predictable. Instead of paying insurance premiums, members make monthly voluntary contributions that help share eligible medical expenses within the UHF community.

Your monthly contribution depends on several factors, including:

  • Your age
  • Individual or family membership
  • The program you select
  • Your Non-Sharable Amount (NSA)

Our Healthcare Sharing Advisors will help you determine which option best fits your family’s needs and budget.

Monthly contributions are the amounts members voluntarily contribute each month to help share eligible medical expenses within the UHF community. Unlike traditional insurance premiums, your monthly contributions help make funds available to assist fellow members with eligible medical needs while providing you access to the benefits of membership.

Because UHF is not insurance. Insurance companies collect premiums under an insurance contract. Healthcare Sharing Ministries rely on members’ voluntarily contributions to help share one another’s eligible medical expenses according to established Sharing Guidelines.

Similar to a traditional insurance deductible, the Non-Sharable Amount (NSA) is the portion of your eligible medical expenses that you are responsible for before eligible expenses become shareable. After your eligible medical expenses satisfy your selected NSA, additional eligible expenses may be shared according to your program’s Sharing Guidelines.

Universal Health Fellowship currently offers three primary Thrive program options:

Program

NSA

THS50

$5,000

THS75

$7,500

THS100

$10,000

Our advisors can help determine which option best matches your healthcare needs and monthly budget, but higher NSAs translate to lower voluntary monthly contributions.

There isn’t one “best” program. The right choice depends on:

  • Your monthly budget
  • Your expected healthcare usage
  • Family size
  • Comfort with different NSA levels

Many members prefer lower monthly contributions with a higher NSA, while others choose a lower NSA in exchange for higher monthly contributions.

Many members save 40–50% compared with traditional health insurance. However, savings vary depending on:

  • Age
  • Family size
  • Geographic location
  • Previous health insurance costs
  • Program selected

In addition to your monthly contribution:

  • One-time application fee
  • Monthly UHF membership fee
  • Consultation fees for certain office visits
  • Optional HealthTools membership (if selected)

Similar to traditional care co-pays, consultation fees are fixed amounts members pay for certain office visits.

  • Primary Care               $25
  • Specialist                    $50
  • Urgent Care                $75
  • Emergency Room       $300

After the consultation fee, additional eligible charges may be shareable according to the Sharing Guidelines.

Not in the traditional insurance sense. Healthcare Sharing uses consultation fees rather than insurance copays. Because UHF is not insurance, consultation fees are part of the Healthcare Sharing model rather than an insurance benefit structure.

No, Healthcare Sharing does not use insurance deductibles. Instead, members select a Non-Sharable Amount (NSA), which serves a similar purpose but operates under Healthcare Sharing guidelines.

Yes, current Thrive programs provide up to $1,000,000 Annual Sharing Maximum per Member. Program limits apply, but your advisor can explain these limits in greater detail.

Certain preventive services may be eligible according to the program guidelines. Among them are:

  • Annual physicals
  • Well-child visits
  • Certain screenings

Waiting periods may apply.

Absolutely, the following chart illustrates estimated monthly contributions for several age groups.

 

Thrive50 ($5,000 NSA)

 

18-29

30-39

40-49

50-59

60-64

Primary

$265.81

$337.75

$391.95

$397.39

$539.05

Primary + Spouse

$382.79

$466.02

$607.50

$794.77

$1,078.08

Primary + Child(ren)

$384.33

$466.18

$609.69

$651.94

$793.59

Family

$539.89

$661.71

$836.27

$1,049.33

$1,332.64

      

 

Thrive75 ($7,500 NSA)

 

18-29

30-39

40-49

50-59

60-64

Primary

$244.29

$301.09

$338.38

$368.63

$500.04

Primary + Spouse

$350.77

$442.32

$566.52

$737.26

$1,000.07

Primary + Child(ren)

$358.40

$415.20

$496.59

$604.77

$736.16

Family

$503.47

$617.06

$779.85

$973.39

$1,236.20

      

 

Thrive100 ($10,000 NSA)

 

18-29

30-39

40-49

50-59

60-64

Primary

$231.02

$279.26

$312.21

$347.36

$471.19

Primary + Spouse

$329.74

$409.69

$536.21

$694.73

$942.37

Primary + Child(ren)

$339.23

$392.99

$470.02

$569.87

$693.69

Family

$476.52

$584.05

$738.12

$917.24

$1,164.89

For many households, yes. Healthcare Sharing is especially attractive to:

  • Self-employed individuals
  • Small business owners
  • Independent contractors
  • Early retirees
  • Families without employer-sponsored healthcare

Many members who use healthcare infrequently appreciate Healthcare Sharing because it offers predictable monthly contributions while still providing protection against larger eligible medical expenses. Programs also include valuable everyday benefits such as Telemedicine and UHSRx, giving members immediate value even when they don’t require major medical care.

Healthcare Sharing is designed to help members facing significant eligible medical expenses. Depending on your selected program and subject to the Sharing Guidelines:

  • Eligible expenses above your NSA may be shared.
  • Member Advocacy assists throughout the process.
  • Annual sharing is available up to the program maximum.

For planned hospitalizations or surgeries, pre-notification may be required.

Traditional Insurance

Universal Health Fellowship

Insurance Premium

Monthly Voluntary Contribution

Deductible

Non-Sharable Amount (NSA)

Copay

Consultation Fee

Claims

Eligible Medical Needs

Insurance Company

Nonprofit Healthcare Sharing Ministry

Government Program

No

Healthcare Sharing is about more than lowering costs. Members often tell us they appreciate:

  • Predictable monthly contributions
  • Transparent guidelines
  • Personalized member support
  • Nationwide provider access
  • A community-based approach to healthcare
Understanding Eligible Medical Needs

One of the most common questions prospective members ask is: “Will my medical expenses be eligible for sharing?”

The answer depends on the type of medical need, your selected program, and the Universal Health Fellowship Sharing Guidelines. Our goal is to explain these guidelines clearly so you can make an informed decision before enrolling.

An eligible medical need is a healthcare expense that qualifies for sharing under the UHF Sharing Guidelines. Eligibility depends on several factors, including:

  • Your selected program
  • The nature of the medical condition
  • Waiting periods
  • The Sharing Guidelines
  • Whether the condition is pre-existing

The Member Advocacy Team is available to answer questions before treatment whenever possible.

Many eligible medical needs include:

  • Hospitalizations
  • Surgery
  • Emergency care
  • Physician services
  • Diagnostic testing
  • Imaging
  • Laboratory work
  • Specialist care
  • Maternity (after applicable waiting periods)
  • Many prescription medications

Eligibility always depends on the current Sharing Guidelines.

A pre-existing condition is generally a medical condition for which symptoms existed or treatment was received during the 24 months before membership began. If a condition existed during the look-back period, sharing may be limited during the member’s first two years.

Often, yes. Most pre-existing conditions become eligible for sharing after two consecutive years of continuous membership, provided the applicable Sharing Guidelines have been met. After that period, eligible expenses related to those conditions may be shared according to normal program limits.

Yes—in many cases. One of the unique strengths of Universal Health Fellowship is that several common chronic conditions remain eligible for sharing when they are medically managed. Among them are:

  • Type II Diabetes
  • Hypertension
  • High Cholesterol

Members should discuss their individual situation with a Healthcare Sharing Advisor.

Conditions that develop after your membership begins are generally treated differently than conditions that existed before enrollment. If a medical condition first develops after your membership becomes effective, eligible medical expenses are generally evaluated according to the standard Sharing Guidelines rather than the pre-existing condition provisions.

Many cancer-related medical needs may become eligible for sharing. Eligibility depends on when the condition developed, whether it is considered pre-existing, and the applicable Sharing Guidelines.

Yes. Maternity-related medical needs are eligible after the applicable waiting period. Members planning to start or grow their family should review the maternity provisions before enrolling.

If the applicable waiting period has been satisfied, eligible maternity expenses may be shared according to your selected program.

Many preventive services are available. Among those included are:

  • Annual physical examinations
  • Well-child visits
  • Certain preventive screenings

Eligibility depends on your program and any applicable waiting periods.

Yes, members who enroll in the optional HealthTools program have access to confidential counseling and Employee Assistance Program (EAP)-style services.

Many prescription medications are available through the UHSRx program:

  • More than 1,000 generic maintenance medications
  • Free home delivery
  • Urgent prescription options
  • Convenient pharmacy access

Many surgeries are eligible for sharing. Planned surgeries typically require pre-notification. Notifying UHF before surgery allows the Member Advocacy Team to help coordinate the process, answer questions, and ensure that the necessary information is available.

Always seek emergency medical care immediately. Do not delay treatment because of Healthcare Sharing questions. After the emergency has been addressed, notify Universal Health Fellowship as soon as reasonably possible so the Member Advocacy Team can assist you.

Absolutely—and we encourage it. One of the best ways to avoid surprises is to contact the Member Advocacy Team before non-emergency procedures so they can help explain:

  • Sharing Guidelines
  • Waiting periods
  • Pre-notification requirements
  • Expected member responsibility
  • Eligibility questions

Waiting periods help maintain fairness for the entire Healthcare Sharing community. They encourage individuals to join before major medical needs arise rather than waiting until treatment is immediately needed.

Simply ask. Our Healthcare Sharing Advisors and Member Advocacy Team are available to answer your questions before you receive treatment whenever possible. We would much rather answer a question beforehand than have a member surprised afterward.

Commonly Eligible

✔ Hospitalizations

✔ Surgery

✔ Emergency Care

✔ Physician Visits

✔ Diagnostic Testing

✔ Imaging

✔ Telemedicine

✔ UHSRx Prescriptions

✔ Preventive Care (program rules apply)

Requires Additional Review

  • Pre-existing conditions
  • Planned surgeries
  • Maternity
  • Certain specialty treatments
  • Waiting period situations
Ready to Learn More?

Choosing a healthcare solution is an important decision. Our goal is not to pressure you into enrolling. Our goal is to help you determine whether Healthcare Sharing is the right fit for you and your family. We’ll answer your questions honestly, explain how the program works, and review your options so you can make an informed decision.

Getting started is simple.

Step 1

Attend an Information Session — Join one of our complimentary educational sessions where we’ll explain:

  • What Healthcare Sharing is
  • How UHF works
  • Program options
  • Costs
  • Member benefits
  • Enrollment process

You’ll have plenty of opportunity to ask questions.

Step 2

Meet with a Healthcare Sharing Advisor to discuss:

  • Your family
  • Current healthcare situation
  • Monthly healthcare costs
  • Doctors you currently use
  • Your goals and concerns

We’ll then recommend the UHF program that best fits your needs.

Step 3

Complete the Online Enrollment — We’ll guide you through every step. Most applications can be completed in approximately 15–20 minutes. We’ll gather:

  • Basic personal information
  • Household information
  • Health history questions
  • Statement of Shared Faith and Beliefs
  • Program selection
  • Payment information

Step 4

Membership Begins — Once your application has been approved and your selected effective date arrives, your membership becomes active. You’ll receive information about accessing your member resources and using your benefits.

No. Universal Health Fellowship does not require a physical medical examination to enroll. However, applicants do answer health history questions during the enrollment process. These questions help determine how the Sharing Guidelines apply to certain medical conditions.

Applicants complete a series of health questions designed to determine whether certain conditions may be considered pre-existing under the Sharing Guidelines. It’s important to answer every question honestly and completely; providing accurate information helps avoid misunderstandings later.

Enrollment is straightforward. You may be asked to provide:

  • Government-issued identification
  • Household information
  • Banking or payment information

Most online enrollments can be completed in about 15 to 20 minutes, provided you have the necessary information available.

You may generally select an effective date beginning as soon as the next day or up to approximately 60 days in advance, subject to program rules. During enrollment, the one-time application fee is charged immediately, and the monthly contribution is typically collected either immediately (for near-term effective dates) or shortly before the selected start date.

After enrollment you’ll receive information about:

  • Member resources
  • Using Telemedicine
  • UHSRx
  • Member Advocacy
  • Provider access
  • Sharing Guidelines

Your Healthcare Sharing Advisor remains available even after enrollment.

You’re never on your own. One of the greatest advantages of working with Grupo Sosa Insurance is that you have two sources of support:

  1. Your Grupo Sosa Healthcare Sharing Advisor, who will help answer questions, explain the program, and serve as your local point of contact.
  2. Universal Health Fellowship’s Member Advocacy Team, who help members navigate billing questions, provider issues, and the Healthcare Sharing process.

Together, we’re committed to helping you have a positive experience.

Possibly. If your healthcare needs or financial situation changes, speak with your Healthcare Sharing Advisor. We’ll review your options and explain any applicable program rules before making changes.

Yes, Healthcare Sharing participation is voluntary. If your needs change, you may discontinue your membership according to the applicable guidelines.

Yes, new members have 30 days to review the Sharing Guidelines and determine whether Healthcare Sharing is right for them. If they decide not to continue, contributions are generally refundable during that period, excluding the one-time application fee, in accordance with the program terms.

Yes, but your Healthcare Sharing Advisor will assist you throughout the online enrollment process if needed.

Absolutely, we’ll gladly guide you through each step and answer your questions along the way.

Yes, Spanish-speaking Advisors are available to assist you throughout the process.

Yes, individual, couple, and family memberships are available.

That’s perfectly okay. In fact, we encourage it. Healthcare Sharing isn’t right for everyone. We’ll answer your questions honestly and help you decide whether UHF fits your family’s needs.

“Healthcare is one of the most important financial decisions a family makes. My role isn’t simply to enroll members—it’s to educate, answer questions honestly, and help you determine whether Healthcare Sharing is the right solution for your unique situation.

If it is, I’ll guide you every step of the way. If it isn’t, I’ll tell you that too.

Either way, you’ll leave our conversation better informed than when it began.”

— Enrique Urquiola
Healthcare Sharing Advisor
Grupo Sosa Insurance

Resources

Download additional information about Universal Health Fellowship and its healthcare sharing programs.

 

English ResourcesRecursos en Español
Program GuidelinesPautas del Programa
UHF Thrive ProgramsFolleto del Programa UHS Thrive
Prescription Plan Brochure (UHSRx)Folleto de UHSRx

Important Disclaimer

Universal HealthShare programs are not insurance and Universal Health Fellowship is not an insurance company. It is a not-for-profit HCSM (Health Care Sharing Ministry) that enables members to help one another with their medical needs. UHF relies on voluntary contributions from members who choose to help one another without using insurance.

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