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The Best Health Sharing Plans in 2026
Zion HealthShare is the best health sharing plan for most people in 2026 (4.8/5, $114–$320/month). It requires no faith commitment, lets you see any provider, and covers high blood pressure, high cholesterol, and diabetes from month one. If you want the lowest possible cost, CHM starts at $115/month. If you prefer a Christian community with a long track record, Medi-Share (4.5/5) at $115–$470/month has 400,000+ members and 30+ years of history.
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Health sharing is not insurance, and sharing is never guaranteed.
Top commissionable picks for most households
These six can enroll through our links. CHM and Samaritan remain strong options for some Christian households — they just don't pay us, so they aren't default primary CTAs here.
- Zion HealthShare★ 4.8/5 · from $114/mo
Highest-rated overall (4.8/5): no faith requirement, broad everyday coverage, and HBP / cholesterol / diabetes from day one.
- Medi-Share★ 4.5/5 · $115–$470/mo
Best established Christian community path — 400,000+ members, PPO network access, and 30+ years of history.
- CrowdHealth★ 4.6/5 · from $60/mo
Flexible secular crowdfunding model for healthy households who want a lower monthly commitment and no faith statement.
- Sedera★ 4.5/5 · $88–$413/mo
Wide IUA tier range and day-one exceptions for controlled HBP and non-insulin diabetes — strong secular alternative to Zion.
- Knew Health★ 4.2/5 · from $142/mo
Secular wellness-focused community — any doctor, no faith statement, membership from $142/mo.
- HSA Secure★ 4/5 · from $114/mo
Zion-powered sharing bundled with a MEC policy so you can contribute to an HSA — from $114/mo, no faith requirement.
Every health sharing plan serves different priorities. Zion HealthShare (4.8/5) costs $114-$320/month with no faith requirement, unlimited sharing, and any-provider access — no network required. Medi-Share (4.5/5, $115-$470/month) offers a Christian community with 400,000+ members and 30+ years of history. CHM starts at $115/month for budget-conscious individuals. Compare all 8 featured plans below to find your match.
Last updated: August 2026 | All pricing verified from official plan websites. See the full 2026 cost index and member satisfaction rankings for all 16 tracked plans (8 featured on ratings ≥ 4.0, plus the broader review universe).
Plans by Priority
| Lowest Cost | CHM ($115/mo individual) |
| Broadest Coverage | Zion HealthShare (4.8/5, $114-$320/mo) |
| Christian Community | Medi-Share (4.5/5, $390-$850/mo family) |
| No Faith Requirement | Zion HealthShare, Sedera, CrowdHealth |
| HBP/Cholesterol/Diabetes Day 1 | Zion HealthShare (phase-in for other pre-existing conditions) |
| Plans Reviewed | 8 plans |
Why Zion HealthShare Has the Highest Rating
Zion HealthShare receives a 4.8/5 rating due to its combination of broad coverage, competitive pricing, and no faith requirement. It covers high blood pressure, high cholesterol, and type 2 diabetes from month one (phase-in applies to other pre-existing conditions). Members can see any provider — there is no network requirement. Coverage includes telehealth, prescriptions, maternity, mental health, preventive care, emergency, and surgery.
At $114-$320/month for individuals, Zion costs more than CHM ($115/month starting) but includes additional coverage like prescriptions, mental health, telehealth, and HBP/cholesterol/diabetes covered from month one. Zion is also HSA-compatible, providing tax benefits that can reduce the effective cost. Founded in 2019, it's newer than CHM (1981) or Medi-Share (1993) but has grown to 75,000+ members. Whether the extra cost is worth it depends on your health needs and budget.
Editor’s pick
Zion HealthShare
from $114/mo · ★ 4.8
Highest-rated overall (4.8/5): no faith requirement, any provider, and high blood pressure, high cholesterol, and diabetes from month one.
How Do All Plans Compare?
Zion HealthShare
★ 4.8/5Individual/mo
$114 - $320
Faith req.
None
Sharing cap
Unlimited per need; no annual or lifetime cap
Pre-existing wait
12 months (then phased in over 4 years)
CrowdHealth
★ 4.6/5Individual/mo
$60 - $200
Faith req.
None
Sharing cap
None — no maximum per event
Pre-existing wait
2 years ineligible
Medi-Share
★ 4.5/5Individual/mo
$115 - $470
Faith req.
christian light
Sharing cap
None — no annual or lifetime sharing cap
Pre-existing wait
36 months
Sedera
★ 4.5/5Individual/mo
$88 - $413
Faith req.
None
Sharing cap
Unlimited
Pre-existing wait
12-36 month phase-in
CHM
★ 4.4/5Individual/mo
$115 - $299
Faith req.
christian strict
Sharing cap
$125,000 per illness base; CHM Plus add-on ($42/unit/mo) extends to $1M per illness (Silver/Bronze) or unlimited (Gold).
Pre-existing wait
12 months
Samaritan Ministries
★ 4.4/5Individual/mo
$199 - $365
Faith req.
christian strict
Sharing cap
$250K/need (Classic; more via Save to Share)
Pre-existing wait
12 months
Knew Health
★ 4.2/5Individual/mo
$142 - $379
Faith req.
None
Sharing cap
Unlimited
Pre-existing wait
Phase-in
HSA Secure
★ 4/5Individual/mo
$114 - $320
Faith req.
None
Sharing cap
Unlimited
Pre-existing wait
12 months
| Rank | Plan | Rating | Individual/mo | Faith Req. | Sharing Cap | Pre-Existing Wait | |
|---|---|---|---|---|---|---|---|
| #1 | Zion HealthShare | 4.8/5 | $114 - $320 | None | Unlimited per need; no annual or lifetime cap | 12 months (then phased in over 4 years) | Enroll → |
| #2 | CrowdHealth | 4.6/5 | $60 - $200 | None | None — no maximum per event | 2 years ineligible | Enroll → |
| #3 | Medi-Share | 4.5/5 | $115 - $470 | christian light | None — no annual or lifetime sharing cap | 36 months | Enroll → |
| #4 | Sedera | 4.5/5 | $88 - $413 | None | Unlimited | 12-36 month phase-in | Enroll → |
| #5 | CHM (Christian Healthcare Ministries) | 4.4/5 | $115 - $299 | christian strict | $125,000 per illness base; CHM Plus add-on ($42/unit/mo) extends to $1M per illness (Silver/Bronze) or unlimited (Gold). | 12 months | Read review → |
| #6 | Samaritan Ministries | 4.4/5 | $199 - $365 | christian strict | $250K/need (Classic; more via Save to Share) | 12 months | Read review → |
| #7 | Knew Health | 4.2/5 | $142 - $379 | None | Unlimited | Phase-in | Enroll → |
| #8 | HSA Secure | 4/5 | $114 - $320 | None | Unlimited | 12 months | Enroll → |
Editor’s pick
Sedera
$88–$413/mo · ★ 4.5
Secular cost-sharing with a wide IUA range and day-one exceptions for controlled high blood pressure and non-insulin diabetes.
Editor’s pick
Knew Health
from $142/mo · ★ 4.2
Secular wellness-focused community — any doctor, no faith statement, membership from $142/mo. Not HSA-compatible.
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Find My Plan (2 min) →Which Plan Is Best for Families?
For Christian families, Medi-Share offers the most established family coverage with 400,000+ members and a 30+ year track record. Family plans cost $390-$850/month depending on the IUA level. Medi-Share covers maternity, telehealth, preventive care, emergency, and surgery. It requires a Christian statement of faith but not church attendance. If you're deciding between Medi-Share and Samaritan Ministries, we compared them side-by-side here.
For families without faith preferences, Zion HealthShare provides family plans at $334-$899/month with broader coverage than Medi-Share — including prescriptions and mental health. Zion covers HBP, high cholesterol, and diabetes from month one, with a phase-in for other pre-existing conditions. CHM offers the cheapest family option at $345-$897/month but requires strict Christian faith and church attendance, and does not cover telehealth, prescriptions, or mental health.
Editor’s pick
Medi-Share
$115–$470/mo · ★ 4.5
The 30-year incumbent for Christian families. Largest provider network, $390–$850/month family pricing, and ministry-level dispute resolution.
Which Plan Is Best for Self-Employed Individuals?
Self-employed individuals benefit most from Zion HealthShare due to its HSA compatibility and no faith requirement. Contributing to an HSA while on a Zion plan provides a triple tax benefit: tax-deductible contributions, tax-free growth, and tax-free withdrawals for medical expenses. At $114-$320/month, it saves $2,000- $5,000/year compared to unsubsidized ACA marketplace plans.
CrowdHealth is another strong option for healthy self-employed people at approximately $140/month average. It offers month-to-month flexibility with no contracts and strong bill negotiation services (30-60% discounts on planned procedures). However, CrowdHealth limits pre-existing condition sharing for the first two years, making it less suitable for anyone with existing health conditions.
Editor’s pick
CrowdHealth
from $60/mo · ★ 4.6
Month-to-month secular crowdfunding for healthy self-employed households — typically around $140/month, with no faith statement.
Editor’s pick
HSA Secure
from $114/mo · ★ 4
Purpose-built HSA product: Zion sharing plus a MEC policy so you can contribute to an HSA. From $114/mo, no faith requirement.
The Bottom Line
Zion HealthShare is the best health sharing plan for most people in 2026. It offers the broadest coverage, no faith requirement, unlimited sharing, HSA compatibility, and any-provider access — all at $114-$320/month for individuals. The only reason to choose a different plan is if you want the lowest possible cost (CHM at $115/month), prefer a faith-based community (Medi-Share or Samaritan), or want a crowdfunding model (CrowdHealth).
Not sure which plan fits your situation? Use our free advisor to get a personalized recommendation in 2 minutes, compare all plans side-by-side, or browse every plan's exact pricing in the 2026 health sharing cost index.
Frequently Asked Questions
How often do you update these rankings?
We review pricing, coverage, and membership data regularly, verified directly from each plan's official materials. Our star ratings are independent editorial assessments — never influenced by referral commissions. We score each plan across six factors (coverage breadth, financial protection, track record, cost & value, pre-existing conditions, and transparency), weighting coverage, financial protection, and track record most heavily.
Is Zion HealthShare good for older adults?
Zion HealthShare accepts members of all ages and does not have age-based pricing tiers beyond its standard range. For adults approaching Medicare eligibility (65+), health sharing can bridge the gap. However, if you have significant pre-existing conditions, compare the cost of Zion with ACA marketplace plans that offer subsidies. Zion covers HBP, high cholesterol, and diabetes from month one — a significant advantage for older adults with those conditions.
Can I switch health sharing plans?
Yes. Health sharing plans are month-to-month with most ministries. You can cancel one plan and enroll in another at any time. There is no open enrollment period for health sharing. Note that if you switch plans, any pre-existing condition waiting period will restart with the new plan. Zion HealthShare covers HBP, high cholesterol, and diabetes from month one, but other pre-existing conditions have a phase-in period.
Do you earn commissions from these recommendations?
Yes. When you enroll in a plan through one of our links, that plan pays us a referral commission at no extra cost to you. Commissions never influence our rankings — our recommendations are based solely on which plan best fits your situation, and we review plans that pay us nothing at all. See our disclosure page for full details on our business model and editorial independence.
What if I need dental and vision coverage?
No health sharing plan includes dental or vision as standard coverage. For health sharing members, standalone dental and vision plans are available through providers like Delta Dental and VSP for $20-$50/month each. A regulated ACA marketplace plan can also bundle these benefits.
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Related Pages
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.
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