Finally… a health plan that includes holistic services too.

A health share plan is a community of members who contribute together each month to help one another with medical expenses. It’s not health insurance. With Young Living Health Share Plans, you can choose Holistic, Medical, or both.

Learn more about how health share plans work →

No. A health share is a community of individuals who contribute together to help each other with medical expenses. Your monthly contribution replaces a traditional insurance premium, and contributions form a shared pool used to help pay members’ medical costs. Young Living Health Plans are powered by ClearShare, a nonprofit health sharing ministry, and Savvos SmartPay.

They’re Young Living’s partners for the health share plans:

• ClearShare is the nonprofit health share that powers Young Living Health Plans, together with Savvos SmartPay. It’s not an insurance company: every dollar members contribute goes back into the community. No shareholders, no profit motive.
• Savvos lets members pay using the SmartPay app.
• Amaze is the telemedicine app.

Year-round monthly open enrollment, with no waiting periods.

• New Young Living members: anyone can create a new Young Living account and enroll in a health plan. It’s fast and free to get started.
• Young Living Brand Partners & customers: all U.S. states are eligible. If you have a Young Living account, you can enroll today. In regard to signing up for your own Health Share Plan Membership, CA, NJ, OR, RI, VT, WA & DC residents: consult your tax advisor regarding ACA compliance.
• ITIN holders welcome: anyone with an Individual Taxpayer Identification Number is eligible, no SSN required.
• Members 65+ & young adults: those 65+ can enroll in Holistic Plans. Unmarried children up to age 26 can be covered.
• Spouse accounts: spouse accounts can enroll and earn commission on family health coverage enrollments.

The Annual Max is the most a member must pay before the ClearShare community shares in medical expenses. Members are only responsible for this amount once per year. The Annual Max applies to large medical events, including, but not limited to:

• Emergency room
• Ambulance
• Hospital stay
• Surgeries
• Physical therapy

Family coverage: if you have family members on the plan, each person meets their own Annual Max until the overall Family Annual Max has been met. Once the household has paid up to its Family Annual Max, the ClearShare community shares in eligible medical expenses at 100%.

Family Annual Max by tier:

See the ClearShare Member Guidelines for complete sharing eligibility, limits and exclusions.

The Holistic Plan is available at every age, including 65+, and can add the holistic care your current coverage may not include: chiropractic, acupuncture, naturopathy, massage, IVs and more, up to 35 visits a year at $0 out of pocket (up to $175 per visit). Every situation is a little different, so message me and I’ll walk you through how it fits with your coverage.

You can choose the Holistic Plan on its own. Keep your current medical coverage for emergencies and hospital care, and use the Holistic Plan for up to 35 holistic visits a year at $0 out of pocket, up to $175 each. It’s an easy way to add the care you actually use without changing your medical plan.

The Medical Plan and the Medical + Holistic Plan both include childbirth and delivery, including birth centers and home births. The Holistic Plan on its own does not include birth and delivery.

Reminder: pre-existing pregnancies are not covered. If conception happened before your membership start date, the pregnancy is not eligible for sharing.

Pre-existing conditions have a waiting period before they’re eligible for sharing, and sharing increases each year you’re a member.

1-year lookback: any medical exam, diagnosis or treatment in the 12 months before your start date.
5-year lookback: cancer, heart attack, stroke and COPD.

Exceptions (no lookback): high blood pressure, high cholesterol, diabetes (types 1 & 2), hypothyroidism and hyperthyroidism.

Pregnancy: conception before your membership start date is not eligible for sharing. Pregnancies that begin during membership are shareable. Provider notes from the first visit are required to verify the conception date.

Tobacco use: $50/month surcharge, with a $50,000 sharing limit for tobacco-related illness.

If you change plans later, your pre-existing condition period won’t reset. It continues from your original start date, as long as there’s no gap in coverage.

You can use your holistic visits with:

• Licensed naturopaths (ND)
• Medical doctors (MD) & doctors of osteopathic medicine (DO)
• Registered nurse practitioners (RNP)
• Licensed acupuncturists (LAc)
• Licensed doctors of chiropractic (DC)
• Registered dietitians (RD)
• Doctors of physical therapy (DPT), including pelvic floor
• Functional medicine certified practitioners (FMCP)
• Functional nutrition therapy practitioners (FNTP)
• Nutritional therapy practitioners (NTP)
• Licensed massage therapists (LMT or CAMTC)

Yes! You can use your holistic visits with a medical doctor (MD), doctor of osteopathic medicine (DO), or registered nurse practitioner (RNP), at $0 out of pocket, up to $175 per visit.

If you have the Medical + Holistic Plan, you get to choose whether to use one of your holistic visits or your Medical Plan for the visit.

With Medical, you pay out of pocket until you’ve reached your annual maximum (your max out of pocket). If you’ve already reached it, your appointment is included, and you simply pay with the SmartPay app, which pulls from the health share.

You can do either, and it’s totally up to you!

Remember, on the Medical side of your plan, you pay out of pocket until you’ve reached your annual maximum (your max out of pocket).

If you know you’ll have some medical expenses coming up, you may want to keep paying out of pocket until you reach your annual maximum, since eligible expenses are shared after that.

Yes. With the Holistic Plan, you can schedule an IV with an approved practitioner and use one of your 35 visits ($0 out of pocket, up to $175). If you also have the Medical Plan, IVs are no charge once you reach your annual maximum.

Members may have the opportunity to work with ClearShare to pursue approved alternative and integrative treatment options. In certain situations, eligible treatment plans at internationally recognized clinics (including some in Mexico) may qualify for sharing. This can give members access to holistic treatment approaches with little to no out-of-pocket cost, depending on plan eligibility and approval. Every case is reviewed individually by ClearShare to determine eligibility and sharing.

No. There’s one family price no matter how many kids you have.

Yes. There are no network restrictions, so you can see any provider, anywhere, including holistic practitioners. One note: routine services are not shareable in a hospital.

No. You will need to get routine services at a non-hospital location.

No need to wait! You can enroll now and choose whatever start date you need, so your new plan picks up right when your current one ends. Signing up early means one less thing on your to-do list and no gap in coverage.

Just like you normally would: call your practitioner’s office and book your appointment. You only use the SmartPay app when it’s time to pay.

Open the SmartPay app, select a medical or holistic appointment, choose your practitioner, select the service, and hit submit. If your practitioner isn’t in the dropdown menu, simply add them in. You’ll also upload a screenshot of your bill in the app.

No. As a member of the Young Living Health Share Plan, Young Living gives you free PV to spend on Young Living products of your choice.