We Compared 15 Health Sharing Plans Side-by-Side
Published February 2026 | 12 min read
Health sharing plans range from $60/month to $600/month, cover wildly different things, and impose vastly different restrictions. We pulled pricing, coverage details, faith requirements, pre-existing condition policies, and member satisfaction data for every major health sharing ministry in the United States. Here is what we found.
What We Compared and How
We evaluated 6 health sharing plans across six dimensions: monthly cost, coverage breadth, sharing caps, faith requirements, pre-existing condition policies, and member satisfaction. Every data point was verified directly from official plan websites and enrollment documents in February 2026.
The plans in this comparison include traditional health sharing ministries (Medi-Share, CHM, Samaritan Ministries), newer secular options (Zion HealthShare, Sedera), a healthcare crowdfunding platform (CrowdHealth), and one regulated insurance product (Presidio Healthcare) for context. We also cover niche ministries like United Refuah (Jewish), Solidarity HealthShare (Catholic), and HSA Secure (HSA-compatible).
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Full Pricing Comparison Table
Monthly costs vary by more than 10x depending on the plan and household size. CrowdHealth starts as low as $60/month for young, healthy individuals. Presidio Healthcare (actual insurance) goes up to $600/month for individuals. Most health sharing plans fall in the $115 to $400/month range for a single person.
| Plan | Rating | Individual/mo | Family/mo | Sharing Cap | IUA/Deductible |
|---|---|---|---|---|---|
| Zion HealthShare | 4.8/5 | $185-$268/mo | $555-$804/mo | Unlimited | $500 / $1000 / $2000 |
| Presidio Healthcare | 4.7/5 | $300-$600/mo | $900-$1800/mo | Unlimited | $0 / $500 / $1000 |
| CrowdHealth | 4.6/5 | $60-$220/mo | N/A | None — no maximum per event | $500 |
| Medi-Share | 4.5/5 | $227-$405/mo | $681-$1215/mo | $250,000 | $500 / $1000 / $2000 |
| Samaritan Ministries | 4.4/5 | $220-$495/mo | $660-$1485/mo | Unlimited | $300 / $500 / $1000 |
| Sedera | 4.3/5 | $199-$379/mo | $597-$1137/mo | Unlimited | $500 / $1000 / $2000 |
All pricing verified from official plan websites, February 2026. Ranges reflect lowest to highest IUA/deductible options.
Coverage Breakdown: What Each Plan Includes
Monthly cost tells only half the story. The coverage gap between the cheapest plan (CHM at $115/month) and a mid-range plan (Zion at $185/month) is significant. CHM does not cover telehealth, prescriptions, or mental health. Zion covers all three. Below is a feature-by-feature breakdown of every plan's primary tier.
| Plan | Telehealth | Rx | Maternity | Mental Health | Preventive | Dental | Vision |
|---|---|---|---|---|---|---|---|
| Zion HealthShare | Yes | Yes | Yes | Yes | Yes | No | No |
| Presidio Healthcare | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| CrowdHealth | Yes | Yes | Yes | Yes | Yes | No | No |
| Medi-Share | Yes | No | Yes | No | Yes | No | No |
| Samaritan Ministries | No | No | Yes | No | Yes | No | No |
| Sedera | Yes | Yes | Yes | Yes | Yes | No | No |
Coverage shown for each plan's primary/comprehensive tier. Some plans offer additional tiers with different coverage. See individual review pages for full details.
Faith Requirements Vary Widely
This is one of the most misunderstood aspects of health sharing. Some plans require strict Christian faith plus regular church attendance. Others accept anyone regardless of belief. If you are not Christian, your options are more limited but they do exist.
| Faith Level | Plans | What It Means |
|---|---|---|
| None / Secular | Zion HealthShare, CrowdHealth, Sedera, HSA Secure, JHS Community | No statement of faith, no church attendance, open to everyone |
| Christian (light) | Medi-Share, Liberty, OneShare, netWell, Impact, Altrua | Agree to Christian principles, no church attendance verification |
| Christian (strict) | CHM, Samaritan | Signed statement of faith plus church attendance required |
| Catholic | Solidarity HealthShare | Catholic faith with church attendance verification |
| Jewish | United Refuah | Torah-based lifestyle commitment |
For a deeper breakdown, see our guide to non-religious health sharing plans and plans with no church requirement.
Pre-Existing Conditions: The Biggest Differentiator
If you have any health condition diagnosed in the past 1-10 years, the pre-existing condition policy will likely matter more than monthly cost. Waiting periods range from zero (Zion HealthShare, Presidio Healthcare) to 36 months (Impact Health Sharing). Some plans phase in coverage over years. Others exclude certain conditions permanently.
| Plan | Waiting Period | Details |
|---|---|---|
| Zion HealthShare | None | Shared from month one |
| Presidio Healthcare | None | Covered from day one (guaranteed) |
| CrowdHealth | Variable by year | Year 1: not eligible | Year 2: $25K | Year 3: $50K | Year 4+: $100K/year |
| Medi-Share | 12 months | 25% first year, 50% second, 75% third, 100% fourth+ |
| Samaritan Ministries | 12 months | 50% first year |
| Sedera | 6 months | 50% first 6 months, 100% after |
Read our full guide on pre-existing conditions and health sharing for detailed advice on choosing a plan when you have an existing diagnosis.
Our Top Picks by Category
Best Overall: Zion HealthShare (4.8/5)
$185-$268/month for individuals. No faith requirement, unlimited sharing cap, PPO network with 950,000+ providers, no pre-existing condition waiting period. Covers telehealth, prescriptions, maternity, mental health, preventive care, emergency, and surgery. Read our full Zion review.
Cheapest Plan: CHM ($115/month)
The most affordable option at $115/month for individuals with unlimited sharing. Founded in 1981 with 300,000+ members. Trade-off: strict Christian faith requirement, church attendance required, no telehealth, prescriptions, or mental health coverage. Read our full CHM review.
Best for Families: Medi-Share (4.5/5)
$681-$1,215/month for families. Largest ministry with 400,000+ members and 30+ years of operation. Christian faith requirement (light). Covers maternity, telehealth, preventive, emergency, and surgery. Read our full Medi-Share review.
Lowest Monthly Cost: CrowdHealth (~$140/month average)
Healthcare crowdfunding platform with $60/month advocacy fee plus variable crowdfunding. No coverage caps, no faith requirement, month-to-month flexibility. Works best for young, healthy individuals. Pre-existing conditions limited for first two years. Read our full CrowdHealth review.
Best HSA-Compatible: HSA Secure ($170-$320/month)
The only health sharing plan specifically designed for HSA compatibility. Combines a MEC insurance component with Zion HealthShare coverage. No faith requirement, unlimited sharing cap. Ideal for self-employed individuals wanting tax advantages. Read our full HSA Secure review.
Best Guaranteed Coverage: Presidio Healthcare (4.7/5)
$300-$600/month for individuals. This is actual regulated insurance, not health sharing. Pre-existing conditions covered from day one with zero waiting. Includes dental and vision. Best for anyone who needs guaranteed, regulated protections. Read our full Presidio review.
The Bottom Line
There is no single best health sharing plan. The right choice depends on your faith background, health status, budget, and risk tolerance. That said, if we had to pick one plan for the average person exploring health sharing for the first time, it would be Zion HealthShare for its combination of broad coverage, no faith requirement, no pre-existing condition waiting period, and competitive pricing.
If you prioritize lowest cost above all else, CHM ($115/month) or CrowdHealth (~$140/month) are worth investigating. If you have pre-existing conditions and need guaranteed coverage, Presidio Healthcare ($300-$600/month) is the safest option. If you want HSA tax benefits, HSA Secure is currently the only viable path.
Not sure where to start? Take our free 2-minute quiz to get a personalized recommendation, or compare any two plans side-by-side.
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