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A health plan that fuels ministry

by creating exceptional savings,

rate stability & provider choice.

Let Us Build a Plan For You

Your rates keep going up because…

Funnel diagram illustrating the process of healthcare costs and premium generation, including stages like surgery, doctor visits, hospitalization, lab work, prescriptions, catastrophic claims, and ending with the creation of premiums.
Funnel diagram illustrating the process of healthcare costs and premium generation, including stages like surgery, doctor visits, hospitalization, lab work, prescriptions, catastrophic claims, and ending with the creation of premiums.

Traditional Health insurance funnels all aspects of your care into one lump sum. This reduces transparency, removes cost-effective decision-making, and allows for major medical needs to disproportionately impact the cost of routine care.

Flowchart showing factors leading to premiums, including catastrophes, cancer treatment, prescriptions, counseling, lab work, surgery, admin costs, doctor visits, hospitalization, preventative care, with yellow arrows pointing from these factors toward a model that results in premiums.

The Sonvio model uses strategic partnerships to provide stability and transparency.

Each Sonvio client receives a tailored healthcare strategy designed for their organization's unique needs. By combining innovative components such as self-insurance, stop-loss protection, health-share ministries, and direct cash pricing, we outperform traditional insurance models. This approach empowers your employees to make cost-conscious healthcare decisions, driving down expenses through wise, faith-led stewardship.

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Routine Medical

Icon of a person with a heart and heartbeat line on chest, representing health or emergency medical services.

Employee Deductible

Employees share in routine costs, encouraging wise healthcare decisions.

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H.R.A. & Self Insured

Funds designated by the employer to cover preventive care and assist employees in covering routine expenses.

Major Medical

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Health Share Ministries

Christian Healthcare Ministries provides 100% coverage for eligible medical events over $1,250.

Global health icon with a globe and a heart with a medical cross.

Stop Loss & Captive

Provides financial coverage for rare catastrophic claims that fall outside CHM sharing guidelines.

Why Organizations Partner With Us

  • Significant Savings:

    We help ministries avoid the "death spiral" of rising costs, often saving hundreds of thousands of dollars compared to traditional renewals.

  • Concierge Support:

    From implementation to onboarding new HR staff, we act as a strategic partner to ensure the transition is smooth and the staff feels cared for.

  • Mission Alignment:

    All participating organizations sign a statement of faith, ensuring that your healthcare dollars are supporting a community that shares your values

Let’s Talk

Our plans are highly customizable, allowing us to tailor coverage to your needs.

Let us know you're interested, and we will set up a time to talk and see if Sonvio is right for you.