Medi-Share Review 2026
In-depth review with verified pricing, coverage details, and honest pros and cons.
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Medi-Share
400,000+
Best for Christian families, established community with 30+ years history
Monthly Cost
$115–$470/mo
Coverage Cap
None — no annual or lifetime sharing cap
Pre-Existing Wait
36 months
Faith Requirement
Christian
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Overview
About Medi-Share
Medi-Share is the largest health sharing ministry with 400,000+ members, founded in 1993 and based in Melbourne, FL. Monthly contributions vary by age and AHP — roughly $115 to $470 for individuals and $390 to $850 for a family of four. AHP (Annual Household Portion) options are $3,000, $6,000, $9,000, or $12,000 — there is no annual or lifetime sharing cap. Requires a Trinitarian statement of faith and active church involvement. Pre-existing conditions are not shared for the first 36 months; after 36 months shared up to $100,000/member/year, and after 60 months up to $500,000/member/year. Uses the PHCS and First Health PPO networks (900,000+ providers). Includes telehealth and TeleBehavioral health, maternity coverage ($125K cap per pregnancy), preventive, emergency, and surgery. Ongoing prescription maintenance drugs are not shared; new acute condition prescriptions covered up to 6 months.
At a Glance
Key Facts
- Monthly cost: ~$115-$470 (individual), ~$390-$850 (family of 4) — varies by age & AHP
- No annual or lifetime sharing cap
- AHP options: $3,000 / $6,000 / $9,000 / $12,000
- Trinitarian statement of faith + active church involvement required
- 36-month pre-existing waiting period (not shared first 36 months; up to $100K/yr after 36 months; up to $500K/yr after 60 months)
- PHCS and First Health PPO networks (900,000+ providers) — out-of-network providers also allowed
- 400,000+ members (largest health sharing ministry)
- Telehealth and TeleBehavioral health included
- Prescriptions: new conditions up to 6 months; chronic meds not shared
The Honest Take
Pros and Cons
What we like
- Largest health sharing ministry with 400,000+ members
- Established since 1993 — stable and proven
- No annual or lifetime sharing cap
- Maternity coverage included
- PHCS and First Health PPO networks (900,000+ providers) — out-of-network providers also allowed
- Telehealth and TeleBehavioral health included
Watch out for
- Christian faith requirement (Trinitarian statement of faith + active church involvement)
- 36-month waiting period for pre-existing conditions
- Ongoing maintenance prescriptions not shared
- In-person mental health outpatient not covered
- Highest price tier among faith-based ministries
- Guidelines can change mid-membership via member vote, the Steering Committee, or the Board — and it's the Guidelines in effect at the time of service that govern, not the ones you joined under
Coverage
What's Covered
telehealth
prescriptions
maternity
mental Health
dental
vision
preventive
emergency
surgery
Still reading? Here's the short version
Medi-Share
$115–$470/mo · ★ 4.5
Best for christian families, established community with 30+ years history
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Other Options
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Secular users seeking alternative to faith-based ministries
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From $115/mo
Strict Christians seeking lowest cost option, most affordable ministry
Samaritan Ministries
From $199/mo
Committed Christian members seeking traditional health sharing
Knew Health
From $142/mo
Wellness-focused, non-religious individuals, families, and self-employed people seeking an affordable secular cost-sharing community
HSA Secure
From $114/mo
Self-employed individuals and small business owners who want HSA tax advantages paired with affordable health sharing
Questions
Frequently Asked Questions
How much does Medi-Share cost per month?
Medi-Share individual plans start at $115/month and go up to $470/month depending on your IUA selection. Family plans start at $390/month. These are 2026 verified rates.
Does Medi-Share cover pre-existing conditions?
Medi-Share does accept members with pre-existing conditions. A waiting or phase-in period applies before pre-existing conditions become fully eligible for sharing. Pre-existing conditions are not shared for the first 36 months. After 36 consecutive months, shared up to $100,000/member/year; after 60 months, up to $500,000/member/year.
Does Medi-Share have a faith requirement?
Medi-Share faith requirement: Christian statement of faith required. You must meet the faith criteria to become a member.
Head to Head
How Medi-Share Compares
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