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The OneLifeCares Plan is NOT Insurance. OneLifeCares is a nonprofit health care sharing plan. OneLifeCares members voluntarily share each other’s medical expenses in accordance with guidelines adopted by the members and administered by OneLifeCares. OneLifeCares is not insurance and is not regulated as insurance. Neither OneLifeCares nor any OneLifeCares member assume any legal obligation to share in the payment of any medical expense incurred by another OneLifeCares member. Certain states expressly exempt from insurance regulation healthcare sharing ministries that, among other things, post a specific notice.If you have any questions contact us directly. You can review the disclosure required for the state in which you reside: KY, MD, PA, WI – All Other States.