Abstract: A computing system may include a memory and a processor configured to cooperate with the memory to interface with a plurality of virtual share exchanges (VSEs), receive requests from the VSEs to share payment of extraordinary healthcare bills from their members having a value exceeding a threshold bill amount across the other VSEs, and determine a shared reserve for each VSE that submits an extraordinary healthcare bill for payment sharing. The shared reserve may correspond to a value of member healthcare bills the VSE is permitted to share across the other VSEs. The processor may further verify that the VSE has not exceeded the shared reserve, and publish each extraordinary healthcare bill for payment sharing to the other VSEs as a respective member of each VSE upon verification that the VSE submitting the extraordinary healthcare bill has not exceeded the shared reserve.

Abstract: A computing device may include a memory and a processor configured to cooperate with the memory to establish member sharing accounts for respective members of a virtual share exchange (VSE) for sharing payment of member healthcare bills across the member sharing accounts, where the members have different attributes associated therewith. For a member healthcare bill associated with a given member, the processor may calculate respective attribute scores for the other members of the VSE based upon similarities between the attributes of the other members and the attributes of the given member, rank the member sharing accounts for payment sharing of the member healthcare bill based upon the calculated attribute scores, and electronically transfer funds between the member sharing accounts for payment sharing of the member healthcare bill based upon the ranking of the member sharing accounts.

Abstract: A computing device may include a memory and a processor configured to cooperate therewith to operate a virtual share exchange (VSE) platform by establishing member sharing accounts on the VSE platform for respective members of the VSE platform for sharing payment of member healthcare bills across a plurality of the member sharing accounts, establishing healthcare provider accounts on the VSE platform for healthcare providers issuing the member healthcare bills, and receiving member healthcare bills issued by the healthcare providers and establishing a virtual bill account on the VSE platform for each member healthcare bill submitted for payment sharing. The virtual bill account may be externally addressable through a routing number and a unique account number associated therewith. The processor may further electronically transfer funds between the sharing accounts and to the healthcare provider that issued the member healthcare bill using the externally addressable routing number and unique account number.