How Much Does Medi-Share Cost?
Key Facts: Medi-Share Pricing
| Cost component | Current pricing information |
|---|---|
| Individual monthly share | Personalized quote required |
| Couple monthly share | Personalized quote required |
| Family monthly share | Personalized quote required |
| AHP (Annual Household Portion) | $3,000, $6,000, $9,000, $12,000 |
| Sharing cap | No sharing limits beyond the first month of membership. Sharing is limited to $50,000 the first month of membership. See Medi-Share Guidelines for limitations on sharing of pre-existing conditions and maternity. |
| Pre-existing wait | 36 months before any sharing; then annual caps |
| Editorial rating | 4.5/5 |
Medi-Share Complete fits Christian households comfortable with a Trinitarian statement of faith, active church involvement, and voluntary medical bill sharing. Monthly shares require a personalized quote; the amount depends on AHP, date of birth, marital status, state, and household size. Choose an Annual Household Portion of $3,000, $6,000, $9,000, $12,000 and check the 36-month pre-existing-condition waiting period before joining; health sharing is not insurance.
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Editor’s pick
Medi-Share
Monthly share varies · ★ 4.5
Personalized monthly quote · AHP $3,000 / $6,000 / $9,000 / $12,000 · check eligibility before joining.
Medi-Share is the largest health sharing ministry we track (nearly 350,000 members, founded 1993, Melbourne, FL). Monthly shares vary by age and AHP — a personalized quote is required. Read the eligibility rules in our Medi-Share review. Compare the quote with your household budget before joining.
Updated August 2026. Figures are from medi-share.json (last verified 2026-09-23). We did not invent rates from the quote calculator.
What Changes the Monthly Share?
Your monthly share depends on AHP, date of birth, marital status, state, and household size. Medi-Share's public pricing page is a personalized quote calculator, so we do not publish estimated age-by-AHP cells.
Faith requirement also matters for eligibility, not price: a Trinitarian statement of faith and active church involvement. Confirm you meet these requirements before requesting a quote.
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Find My Plan (2 min) →How the AHP Works vs. a Typical IUA
Most ministries on this site use an IUA (Initial Unshareable Amount) per incident. Medi-Share uses an annual household portion. You meet $3,000 through $12,000 once per year across eligible bills, then sharing can apply. That is closer to an insurance deductible than a per-incident IUA — and it is why a year with several small bills can still leave you paying the full AHP before anything is shared.
For the industry-wide IUA explainer, see what an IUA is. For how Medi-Share sits next to other ministries' monthly bands, see health sharing cost.
Costs the Monthly Share Does Not Include
New acute prescriptions: up to 6 months of sharing; ongoing maintenance medications are not shared (Navitus / GoodRx discount programs are the published workaround). TeleBehavioral health is included; in-person outpatient therapy is not shared. Maternity requires faithful sharing from the month of conception through delivery, AHP of $3,000 or higher, and carries a $125,000 cap per single pregnancy. Typical processing time is 45-60 days. Medi-Share is not HSA-compatible.
The Bottom Line
Request a personalized monthly quote and budget for the AHP you choose ($3,000 / $6,000 / $9,000 / $12,000). Pre-existing conditions wait 36 months; review sharing limits and ongoing care costs before joining.
Frequently Asked Questions
How much does Medi-Share cost per month?
Medi-Share Complete requires a personalized monthly quote. The share depends on AHP, date of birth, marital status, state, and household size. This site does not publish a universal rate card.
What is Medi-Share’s AHP?
AHP stands for Annual Household Portion. It is Medi-Share’s deductible equivalent: the amount your household pays toward eligible medical bills each year before sharing begins. Published AHP options are $3,000, $6,000, $9,000, $12,000. A higher AHP usually means a lower monthly share.
Does Medi-Share have a sharing cap?
No sharing limits beyond the first month of membership. Sharing is limited to $50,000 the first month of membership. See Medi-Share Guidelines for limitations on sharing of pre-existing conditions and maternity.. Eligible bills above the AHP are shareable without an annual or lifetime dollar cap. Pre-existing conditions are a separate rule: not shared for the first 36 months, then capped at $100,000 per member per year after 36 months and $500,000 per member per year after 60 months.
Is Medi-Share cheaper than ACA insurance?
There is no universal cheaper option. Compare your personalized Medi-Share quote with your actual marketplace premium after any subsidies, plus the AHP and costs that are not eligible for sharing. Health sharing is voluntary and is not insurance.
What extra costs sit on top of the monthly share?
The AHP is the big one — $3,000 to $12,000 per year before sharing starts. New acute prescriptions may be shared for up to 6 months; ongoing maintenance medications are not shared (discount cards are the usual workaround). In-person outpatient mental health is not shared. Maternity is shareable if you share faithfully from the month of conception through delivery, with AHP at $3,000 or higher and a $125,000 cap per single pregnancy. Those limits are from Medi-Share’s published guidelines in our plan file.
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Christian sharing community
Medi-Share
Monthly share varies · ★ 4.5
A Christian bill-sharing ministry established in 1993. Get a personalized monthly share quote and review first-month and condition-specific eligibility limits before joining.
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