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Medi-Share Pre-Existing Conditions
Medi-Share shares nothing pre-existing for the first 36 months. After 36 consecutive months, sharing is capped at $100,000 per member per year. After 60 months that cap rises to $500,000 per member per year. There is no day-one exception for blood pressure, cholesterol, or diabetes.
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Medi-Share will still accept you with a health history. It just will not share bills tied to that history for three years. Here is the full schedule.
The Timeline
| Day one | No pre-existing carve-out. New eligible needs can share. |
| Months 1 to 36 | Pre-existing conditions not shared |
| Months 37 to 60 | Up to $100,000 per member per year |
| Month 61 onward | Up to $500,000 per member per year |
The Honest Comparison Point
Medi-Share's wait is the same for every pre-existing condition. Zion's day-one exception shares controlled blood pressure, high cholesterol, and diabetes types 1 and 2 when you have been hospitalization-free for them. Households managing those three should read both pages before choosing.
Editor’s pick
Medi-Share
$115–$470/mo · ★ 4.5
If the 36-month clock fits your timeline: 400,000+ members, four AHP tiers, any provider on the PHCS and First Health networks, and no annual or lifetime cap on new eligible needs.
The Bottom Line
Medi-Share is built for people who can wait three years on old conditions and want the largest Christian sharing community for everything new. Fast timelines on unmanaged history belong elsewhere. Compare all waits in our pre-existing comparison and read the full Medi-Share review.
Frequently Asked Questions
What is the Medi-Share pre-existing wait?
Nothing tied to a pre-existing condition is shared in the first 36 months. After 36 consecutive months, sharing is capped at $100,000 per member per year. After 60 months the cap rises to $500,000 per member per year.
Does any condition skip the wait?
No. Medi-Share does not publish a day-one carve-out for blood pressure, cholesterol, or diabetes. Those conditions wait out the same 36-month clock as everything else.
How far back does Medi-Share look?
A 36-month look-back defines what counts as pre-existing: signs, symptoms, or treatment in the three years before your start date.
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Last updated: August 2026. Facts verified against Medi-Share's published Guidelines for Sharing. See our footer disclosure regarding affiliate commissions.
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Largest community
Medi-Share
$115–$470/mo · ★ 4.5
The biggest health sharing ministry — 400,000+ members, Cigna PPO network access, and no per-illness sharing cap.
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