A healthcare solution for those willing tobe different.

Sonshine Solutions is transforming healthcare benefits for large faith-based organizations.

Ministries have a
real problem.

Health insurance costs continue to rise due to high prescription prices, hospital consolidations, increased labor expenses, inflation, and a lack of pricing transparency.

While individual premiums rose by 7% this year, many employers faced 20-30% hikes, leading them to cut coverage or pass costs to employees. Employers and employees are paying more and getting less.

This has driven the search for alternatives.

There’s a better way.
A different way.
Meet Sonshine Solutions.

Sonshine Solutions partners with faith-based organizations to create customized, ACA-compliant health plans. Our approach combines a Christian Health Cost Sharing Ministry, a customized HRA, and a unique stop loss captive, which offers substantial savings over traditional insurance.

Sonshine Solutions helps you create
an employer healthcare plan that:
+
Lowers cost for employers and employees
+
Offers excellent, comprehensive coverage
+
Provides greater rate stability
+
Freedom to choose ANY provider (no restrictive provider network)
+
Minimizes risk
+
Aligns with faith-based values
+
Provides excellent service and support
Who We Serve
We serve faith-based organizations with over 50 full-time employees on their healthcare plan.
Private Schools
Liberal Arts College
Seminaries
Missions Organizations
Churches
Private Schools
Liberal Arts College
Seminaries
Missions Organizations
Churches
NGOs
Homeschool Co-ops
Faith-based Orgs
Bible Colleges
Universities
NGOs
Homeschool Co-ops
Faith-based Orgs
Bible Colleges
Universities
Food Banks
Disaster Relief
Non-Profits
Medical Missions
Foster Care
Food Banks
Disaster Relief
Non-Profits
Medical Missions
Foster Care
Counseling Centers
Retreat Centers
Justice Ministries
Policy Think Tanks
Media Orgs
Counseling Centers
Retreat Centers
Justice Ministries
Policy Think Tanks
Media Orgs
Built to serve your ministry
Your hybrid benefits plan will not be a “one size fits all.” Sonshine will help you create a customized plan, and equip and assist you each step of the way.
SS Service and Support
Onsite education and training for leadership, HR staff and employees, open enrollment webinars, both live and on-demand, streamlined onboarding process.
Consulting and Coaching
Comprehensive communication campaigns, Plan design consulting with an ERISA attorney (all plans are ACA compliant), Claims assistance and coaching
Customized HRA
We assist you with your customized HRA. You choose the funding amount, timing, and what you want covered.
Industry Leading
Resources
Captive and stop loss are provided by USI, the 4th largest privately held insurance broker in the US; specialized ERISA attorney for ACA compliance
Cost-Sharing Plans
largest cost-sharing ministry in the US serving over 400,000 members, recommended by Dave Ramsey
Exciting (Unique)
Benefits
Employee can choose ANY provider (no network restriction), much more stable rates (no switching plans every few years due to cost), a highly successful captive that has refunded 50% of premiums since its inception in 2016.
How it Works

Imagine a turn-key health plan that creates exceptional savings, rate stability & provider choice.

Click the link below to request a comparison.

Common
Healthcare
Myths
Myth
Traditional insurance is easy
Fact
Provider networks, billing mistakes, pre-certification and medication approvals are very common complications in Traditional insurance.
Myth
Traditional insurance is low risk
Fact
A common surprise for individuals is that their insurance has changed network providers that can leave your doctors and providers out of being covered.
Myth
Traditional insurance is what everyone uses
Fact
More and more employers are using non-traditional healthcare plans with great success.
Myth
Traditional insurance provides more comprehensive coverage
Fact
Sonshine healthcare models provide coverage comparable and in many cases better than traditional insurance plans.
Myth
Traditional insurance is cost effective
Fact
Traditional insurance is higher and coverage less than many options for organizations.  Let us show you how Sonshine may be able to do this for you.
Myth
Traditional insurance is more widely accepted
Fact
Traditional insurance networks often have very restrictive networks and providers. Sonshine plans have NO provider restrictions.
Myth
Traditional insurance covers all of my medical costs
Fact
No plan covers all medical costs, and insurers add new limits yearly. Our hybrid plan lets you customize coverage to fit your needs.
Myth
Traditional insurance has lower out-of-pocket costs
Fact
Deductibles now average $3,000-$8,000, with rising copays. Our hybrid plan lowers costs, removes copays, and eliminates co-insurance.
Trusted by Non-Profit Leaders
“I was skeptical to start with, after all, how could a plan offer more coverage and cost so much less? This hybrid plan was a new way of thinking, but it’s been a great decision for our church and our staff. I highly recommend considering it.”
Matt Chandler
Pastor, The Village Church
“We wanted to continue providing our staff with generous healthcare coverage, but the cost of insurance premiums was making that impossible to sustain. We have been on the plan since 2018. It has provided our staff with excellent coverage at a lower cost to the employee and allowed our church to put the additional funds back into ministry.”
Cindy
HR Director
“I was initially apprehensive about transitioning to a new healthcare plan, but the process quickly won me over. I was able to see the doctor I wanted, schedule an important procedure promptly, and receive reimbursement efficiently. Knowing that funds were being redirected to ministry while maintaining excellent care made the experience even more rewarding!”
Brittany
Employee
“We have completed two years under the program. During that time our employee satisfaction with the medical plan significantly increased according to our BCWI survey, our participation increased, our cost decreased, and we had all our major medical claims covered by CHM.  Over these two years we also built a reserve fund from savings of $600,000. That’s a blessing!”
Pete
CEO
“We have been utilizing this healthcare benefits model for about 6 years. Though it is different in some ways, we were able to dramatically reduce costs for our church and our staff while increasing coverage. Yes, it was a new way of doing things and took a bit of adjustment, but we continue to be very pleased with that decision. The benefits for our ministry and staff have been amazing. If you are looking for an innovative solution for the ever-increasing cost of health insurance and employee benefits, I recommend speaking to Sonshine!”
Matt M.
Pastor, Senior Director
Your Ministry’s Resources can once again be used for Kingdom Work
Get a free comparison of your current healthcare plan setup and discover how Sonshine Solutions can help you save money while enhancing coverage for your team.