Which Health Sharing Plans Don't Require Church Attendance?
Only two major ministries actually check — CHM and Samaritan, both require a pastor's signature. Zion HealthShare ($114-$320/mo, 4.8/5), Sedera ($153-$742/mo), Impact, netWell, HSA Secure, and JHS Community ask for none. Medi-Share wants a Christian statement of faith but doesn't verify attendance. CrowdHealth (~$140/mo) is fully secular crowdfunding. Plenty of options if you're not churched.
Get your personal plan match in 2 minutes
Free, no forms. Matched on your answers — not commissions.
Six health sharing plans have no church attendance requirement: Zion HealthShare (4.8/5, $114–$320/mo), Sedera (4.5/5, $153–$742/mo), Impact Health Sharing, netWell, HSA Secure, and JHS Community. CrowdHealth (~$140/mo average) is also secular but operates as a crowdfunding platform, not a health sharing ministry.
Only two major health sharing ministries require church attendance: CHM and Samaritan Ministries. Medi-Share requires a Christian statement of faith but does not verify church attendance.
Key Facts
| Plans with no church requirement | Zion HealthShare, Sedera, Impact, netWell, HSA Secure, JHS Community |
| Plans requiring church attendance | CHM, Samaritan Ministries |
| Cheapest secular option | CrowdHealth ~$140/mo (crowdfunding); Zion $114/mo (health sharing) |
| Best-rated secular plan | Zion HealthShare (4.8/5) |
| Faith-optional (statement only) | Medi-Share |
Why Do Some Health Sharing Plans Require Church Attendance?
Health sharing ministries originated in the 1980s as faith communities pooling resources to pay medical bills. The ACA (Affordable Care Act) exempted health sharing ministries from the individual mandate, provided they had been in continuous operation since December 31, 1999, and shared a common set of ethical or religious beliefs. This legal framework incentivized faith-based structures.
CHM (founded 1981) and Samaritan Ministries (founded 1994) both require regular church attendance as a membership condition. CHM requires members to “faithfully attend a Christian church.” Samaritan Ministries requires a pastor's signature verifying regular attendance. These requirements serve as membership gatekeeping tied to the ministry's religious mission.
Which Plans Are Fully Secular With No Faith Requirement?
Zion HealthShare and Sedera are the two largest health sharing plans with no statement of faith and no church attendance requirement. Zion (founded 2019, St. George, UT) has 75,000+ members, starts at $114/month for individuals, offers unlimited sharing cap, and covers HBP, high cholesterol, and diabetes from month one (phase-in applies to other pre-existing conditions). Sedera (founded 2014, Austin, TX) has 50,000+ members, starts at $153/month, and has a 6-month pre-existing waiting period.
Impact Health Sharing, netWell, HSA Secure, and JHS Community also operate without faith requirements, though they are smaller and less widely reviewed. CrowdHealth is fully secular with no faith requirement but is structured as healthcare crowdfunding rather than health sharing.
Not sure which plan fits you? Our advisor matches you in about 2 minutes — free, no forms.
Find My Plan (2 min) →What About Plans That Require a Statement of Faith But Not Church Attendance?
Medi-Share requires members to sign a Christian statement of faith but does not require proof of church attendance. It is the largest health sharing ministry with 400,000+ members and monthly costs starting at $115 for individuals.
The distinction matters: a statement of faith is a personal declaration, while church attendance verification requires documentation from a pastor or church leader. Plans like Medi-Share sit in a middle ground — faith-oriented but not church-verified.
Comparison: Church Requirement by Plan
| Plan | Church Required | Faith Required | Monthly (Individual) | Rating |
|---|---|---|---|---|
| Zion HealthShare | No | None | $114–$320 | 4.8/5 |
| Sedera | No | None (secular) | $153–$742 | 4.5/5 |
| CrowdHealth | No | None (secular) | ~$140 avg | 4.6/5 |
| Medi-Share | No | Christian statement | $115–$470 | 4.5/5 |
| CHM | Yes | Strict Christian | $115–$299 | 4.4/5 |
| Samaritan Ministries | Yes | Strict Christian | $199–$365 | 4.4/5 |
Monthly figures show the full individual range across all age bands (18–64) and IUA/deductible tiers. The top of each range reflects the oldest 60–64 band — a typical working-age member (under 60) pays in the lower-to-middle of the range (e.g. Sedera runs roughly $153–$438 for ages 18–59, rising toward $742 at 60–64). CrowdHealth's figure reflects its under-55 / membership-average rate. Prices may vary depending on membership elections.
How Do You Choose Between Secular Health Sharing Plans?
The decision between secular plans comes down to three factors: pre-existing condition coverage, provider access, and monthly cost. Zion HealthShare is the strongest overall pick because it covers HBP, cholesterol, and diabetes from month one (phase-in for other pre-existing conditions), has any-provider access with no network required, unlimited sharing cap, and competitive pricing at $114–$320/month for individuals.
Sedera suits members who want any-doctor flexibility with no network restrictions. CrowdHealth works best for healthy individuals under 55 who want the lowest monthly cost (~$140/month average) and are comfortable with the crowdfunding model. All three require no church attendance and no statement of faith.
The Bottom Line
Most health sharing plans do not require church attendance. Only CHM and Samaritan Ministries enforce this requirement. Zion HealthShare is the top-rated secular option (4.8/5, $114/mo starting) with no faith requirement, any-provider access, and HBP/cholesterol/diabetes covered from month one.
If you want the lowest cost with no faith requirement, CrowdHealth averages $140/month but operates as crowdfunding, not health sharing. For guaranteed coverage of pre-existing conditions from day one, an ACA marketplace plan is regulated health insurance.
Frequently Asked Questions
Do any health sharing plans require church attendance?
Yes. CHM (Christian Healthcare Ministries) and Samaritan Ministries both require regular church attendance and a strict Christian statement of faith. CHM requires members to attend church regularly, and Samaritan Ministries requires a pastor's verification of church attendance.
Is CrowdHealth a health sharing plan without church requirements?
CrowdHealth has no faith or church requirement, but it's technically a healthcare crowdfunding platform, not a health sharing ministry. Members contribute to a crowdfund that pays medical bills. Monthly cost averages $140, with a $500 member commitment per health event.
Can I join Medi-Share without going to church?
Medi-Share requires a Christian statement of faith but does not require proof of church attendance. It is classified as "christian-light" in terms of faith requirements. Monthly costs range from $115 to $470 for individuals.
What is the cheapest health sharing plan with no church requirement?
CrowdHealth averages $140/month, making it the cheapest secular option (though it's crowdfunding, not health sharing). Among traditional health sharing plans, Zion HealthShare starts at $114/month for individuals with no faith or church requirement.
Do secular health sharing plans cover as much as faith-based ones?
Secular plans like Zion HealthShare and Sedera offer comparable or better sharing than faith-based plans. Zion includes telehealth, prescriptions, maternity, mental health, preventive care, emergency, and surgery with unlimited sharing cap and any-provider access (no network required). Some faith-based plans like CHM exclude telehealth, prescriptions, and mental health.
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
Related Resources
Last updated: June 2026. Data sourced from ministry websites and verified against plan documents. WhichHealthShare is editorially independent. Some links may be affiliate links.
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.
We may earn a commission if you enroll through this link — it never affects our rankings.
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.