We may earn a commission if you enroll through our links, at no extra cost to you. Details
Email the plan shortlist
What Is the Best Health Share for Pre-Existing Conditions?
Zion HealthShare ranks #1 here: $114–$320 per month individual, with day-one sharing for managed high blood pressure, high cholesterol, and type 1 and type 2 diabetes if there was no hospitalization in the prior 12 months. Other conditions wait 12 months, then phase in over four years. Sharing is not insurance.
For eligibility details, read does health sharing cover pre-existing conditions and which plans cover pre-existing conditions. This comparison focuses on each option's named carve-outs, waiting periods, look-backs, and phase-ins.
#1 Zion HealthShare — broadest day-one carve-out
Zion HealthShare lists $114–$320 per month individual. Managed high blood pressure, high cholesterol, and type 1 and type 2 diabetes can share from day one if there was no hospitalization in the prior 12 months. Other conditions wait 12 months, then phase in over four years. Confirm the January 2026 guidelines. Sharing is never guaranteed.
#2 Sedera — overlapping HBP and type 2 carve-out
Sedera can share controlled high blood pressure and non-insulin diabetes from day one under a three-year hospitalization look-back. Insulin-dependent diabetes does not get that carve-out. Sedera is not insurance.
#3 HSA Secure — 12-month wait, then phase-in
HSA Secure uses a 12-month wait and phase-in on the sharing layer. It may fit shoppers who want to keep an HSA. The sharing layer is not insurance.
#4 Medi-Share — 36-month wait when faith fits
Medi-Share requires a Christian statement. Pre-existing needs use a 36-month look-back, then capped yearly sharing.
#5 Knew Health — confirm current waits
Knew Health is secular and not insurance. Confirm current IUA and pre-existing waits before you enroll.
#6 CrowdHealth — two-year ineligibility
CrowdHealth treats pre-existing needs as ineligible for two years, then about $25,000 per year. That is a young-and-healthy model, not a chronic-condition default. Crowdfunding is not insurance.
#7 Additional faith-based options
Christian Healthcare Ministries and Samaritan Ministries are additional options for shoppers whose faith requirements fit. Samaritan Ministries permanently excludes type 1 diabetes. Read the CHM review and Samaritan Ministries review.
What is the best health share for pre-existing conditions?
Zion HealthShare ranks #1 here: $114–$320 per month individual, with day-one sharing for managed high blood pressure, high cholesterol, and type 1 and type 2 diabetes if there was no hospitalization in the prior 12 months. Other conditions wait 12 months, then phase in over four years. Sharing is not insurance.
How should I compare pre-existing condition rules?
Compare each program’s named carve-outs, look-back period, waiting period, phase-in schedule, and yearly limits for the condition you have. Zion HealthShare and Sedera publish day-one carve-outs for certain controlled conditions, while other conditions and programs use longer waits. Sharing is never guaranteed.
Does CrowdHealth share pre-existing conditions?
CrowdHealth treats pre-existing needs as ineligible for two years, then about $25,000 per year. Zion HealthShare may fit better when one of its named day-one chronic carve-outs applies. CrowdHealth still ranks for young, healthy budgets. Crowdfunding is not insurance. Funding is never guaranteed.
Does Medi-Share wait 36 months for pre-existing needs?
Yes. Medi-Share uses a 36-month look-back, then capped yearly sharing that steps up after 36 and 60 months. Zion HealthShare names day-one chronic carve-outs and a 12-month wait plus four-year phase-in for other conditions. Medi-Share also requires a Christian statement. Sharing is never guaranteed.
Is pre-existing sharing guaranteed on any plan?
No. Health sharing and crowdfunding are voluntary. Zion HealthShare, Sedera, Medi-Share, Knew Health, HSA Secure, and CrowdHealth all publish waits, look-backs, or caps. Confirm current guidelines before you enroll. Christian Healthcare Ministries and Samaritan Ministries are additional faith-based options with their own rules.
Shopping with a pre-existing condition? Avery can compare published carve-outs, waiting periods, and phase-in rules.
Find My Plan (2 min) →Related answers
Find your plan in 2 minutes — based on your state, household, budget & health
Our advisor reads your answers and matches you to the plan that actually fits — and tells you the catch each one buries. Free, no forms, no sales calls.
Find My Plan (2 min) →Matched on your answers — not commissions. Same price whether you enroll through us or direct. Or compare all plans
Our top pick
Zion HealthShare
from $114/mo · ★ 4.8
Our highest-rated plan (4.8/5): no faith requirement, HSA-compatible, broad coverage, and managed conditions shared from day one.
Not sure which plan fits you?
Chat with our advisor for 2 minutes — it'll match you to the right vetted plan for your budget, health needs, and faith preference.