Sharable — Sharable, LLC, at sharable.life — is a Florida-based software-and-services company founded by former Medi-Share executives, marketing “Sharing as a Service”: a hosted platform for building and running healthcare sharing programs. The pedigree is real. But if you’re searching for a Sharable alternative, it’s usually because pedigree isn’t the question — platform breadth, pricing transparency, and who actually operates your program are. Here’s how Claimaro compares. Competitor details below reflect Sharable’s publicly available materials as of mid-2026.
Why ministries look beyond Sharable
You can’t see the price. Sharable’s public materials contain no pricing at all — no PMPM, no percentage-of-shares, no setup fees, no pricing page. Per its site, the model is software plus services, including a “Build, Operate & Transfer” arrangement where Sharable runs your program’s operations. What that costs, and what it costs next year, is something you discover inside a sales process — not something you can budget from their website.
The growth stack isn’t there. Sharable’s published product suite — App Center enrollment, Member Center portal, Client Center administration, and its Virtual Share Exchange sharing engine — covers sharing operations. What appears nowhere in its public materials: CRM, enrollment funnels, email and SMS marketing, or workflow automations. Ministries grow through enrollment; if the platform doesn’t power that growth, you’re buying and stitching together the tools that do.
Sharing-only scope. Sharable is built for sharing programs, full stop. As ministries mature — adding repricing relationships, provider payment rails, and claims workflows that look more like administration than pure sharing — the platform ceiling matters. A sharing engine is not a claims engine.
Zero per-claim fees — ever. Claimaro will never bill you for processing a sharing need or a claim. Your share volume can double, your team can clear the queue every single day, and your platform cost doesn’t move a dollar. In a market where per-transaction fees are common and pricing pages are rare, no line item deserves more scrutiny.
What you get instead
Sharing operations, first-class. Sharing-need adjudication, community-fund accounting, member statuses, household enrollment with e-signature and medical questionnaires, monthly share billing, and a member portal with need tracking and digital ID cards — native, not configured.
A real claims engine underneath. Claimaro also runs full claims administration in the same system: priority-rules adjudication with real-time accumulators, X12 EDI (837 intake, 835 generation, eligibility, clearinghouse), fee schedules, and provider payments with 1099-MISC and W-9 tracking. When your ministry’s operations grow past pure sharing, the platform doesn’t end.
The growth stack, built in. Full CRM, enrollment funnels, email and SMS marketing, workflow automations, and native e-signature — the entire membership-growth engine in the same login as your sharing queue. This is the layer Sharable’s public materials don’t list, and it’s the difference between software that records your membership and software that grows it.
Your team operates it. Claimaro is product-led: your staff runs your program on your platform, with our onboarding team getting you there. No operate-and-transfer dependency, no outsourced core.
Compliance you can show your board. HIPAA- and SOC 2-compliant controls — PHI encryption, PII masking, always-on audit logging, role-based access — with per-tenant database isolation and a BAA on every plan. Sharable’s public materials, as of mid-2026, publish no HIPAA, SOC 2, or security certification information; whatever the reality, you shouldn’t have to ask to find out.
Published pricing. From $3,500/month + $5 PMPM with a $15K setup, on our pricing page, with zero per-claim fees. Run your member count before you ever book a call.
Side by side
| Capability | Sharable (per public materials) | Claimaro |
|---|---|---|
| Enrollment | App Center — application, questionnaires, e-sign attestations | Member-facing enrollment wizard, household support, e-signature — plus funnels that fill it |
| Sharing engine | Virtual Share Exchange® — matching, allocation, share notices | Sharing-need adjudication, community-fund accounting, member statuses |
| Full claims administration | Not itemized publicly | Yes — priority-rules engine, real-time accumulators, fee schedules |
| X12 EDI | Not itemized publicly | Yes — 837 intake, 835 generation, eligibility, clearinghouse |
| Member portal | Member Center — white-label portal, ID cards, need status | Yes — need/claim tracking, PDF EOBs, digital ID cards, documents |
| Contribution billing & payments | Yes — cards, ACH, provider payments | Yes — Stripe, NMI, Authorize.net, internal billing, 1099-MISC/W-9 |
| CRM | — | Built in |
| Marketing & automations | — | Built in — email, SMS, funnels, workflow automations |
| E-signature | In enrollment attestations | Native throughout, including external signers |
| Operating model | Software + services, incl. “Build, Operate & Transfer” | Product-led — your team runs your program |
| Compliance posture | No HIPAA/SOC 2/security information published | HIPAA- and SOC 2-compliant controls, BAA on every plan |
| Data architecture | Hosted subdomains; isolation not publicly detailed | Per-tenant isolated databases |
| Pricing | Not published | Published — run your numbers |
Sharable capabilities are drawn from its published site and materials as of mid-2026 (sharable.life); capabilities not listed there are marked “not itemized publicly” rather than asserted absent. Claimaro pricing is published on our pricing page; actual scope varies by program.
What switching looks like
Moving a sharing ministry to Claimaro is a guided onboarding project our team runs with you:
- Programs are rebuilt in the plan builder — sharing tiers, guidelines, and member responsibility amounts, with your existing program codes mapped as aliases.
- Members and households import through the CSV wizard — upload, map columns, verify, run.
- Sharing and claims history loads through the dedicated importer, so member service history is queryable from day one.
- Contribution billing — payment methods and monthly share schedules are stood up in parallel with your existing rails before you flip.
- Member portal cutover — members land on your branded portal with their ID cards, need status, and history intact.
You’ll know exactly what your migration looks like — timeline, steps, and any rough edges in your data — before you commit.
The Sharable alternative that grows with your ministry
If you run a healthcare sharing ministry, you deserve a platform with real sharing pedigree and real platform breadth — sharing operations, full claims administration, and the entire growth stack in one system your own team operates, at a price you can read in public, with zero per-claim fees, ever. Run your member count, then get a walkthrough — twenty minutes, your sharing guidelines, live in the product.