Medi-Share Cost & Pricing 2026: What You Actually Pay
Medi-Share Complete pricing
| Cost component | Current pricing information |
|---|---|
| Individual, couple, or family monthly share | Personalized quote required |
| Annual Household Portion (AHP) | $3,000 / $6,000 / $9,000 / $12,000 |
Medi-Share Complete fits Christian households comfortable with a Trinitarian statement of faith, active church involvement, and voluntary medical bill sharing. Your monthly share depends on AHP, date of birth, marital status, state, and household size; a universal price table cannot replace your quote. It is not insurance, and the 36-month pre-existing-condition waiting period matters if you need ongoing care.
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Medi-Share Monthly Costs (2026)
Your monthly contribution depends on three things: your age, your household size, and the AHP you choose. AHP (Annual Household Portion) is Medi-Share's term for your annual out-of-pocket responsibility before they share costs — similar to an annual deductible. Current AHP options are $3,000, $6,000, $9,000, and $12,000.
Medi-Share does not publish a universal rate card. Request a personalized quote before comparing monthly shares with another membership or your insurance premium.
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Request your personalized Medi-Share monthly quote and check whether the AHP fits your budget.
Understanding the AHP
The AHP (Annual Household Portion) is your household's annual out-of-pocket responsibility — similar to an annual deductible. Once your household has paid your AHP amount in eligible medical expenses for the year, Medi-Share shares the remaining eligible costs. There is no annual or lifetime cap on sharing after the AHP is met.
Medi-Share Complete currently offers four AHP tiers: $3,000, $6,000, $9,000, and $12,000. Choosing a higher AHP lowers your monthly contribution significantly but increases your out-of-pocket exposure in a bad year.
AHP Selection Rule of Thumb
- $3,000 AHP: Lowest out-of-pocket risk each year, but you pay more monthly. Good if you use healthcare regularly or want predictability.
- $6,000 AHP: Middle ground. Lower monthly cost, manageable exposure for most families with savings.
- $9,000–$12,000 AHP: Lowest monthly cost — catastrophic-level protection. Works best if you're healthy, rarely need care, and have savings to cover that AHP in a worst-case year.
Note: To be eligible for maternity sharing, your AHP must be $3,000 or higher.
What Medi-Share Covers
| Coverage Area | Status | Notes |
|---|---|---|
| Hospital & surgery | ✓ Yes | After AHP; no annual or lifetime cap |
| Emergency room | ✓ Yes | Covered; AHP applies |
| Telehealth | ✓ Yes | 24/7 access; $0 consultation |
| Mental health (telehealth) | ✓ Yes | TeleBehavioral health included |
| Maternity | ✓ Yes | Married members; conception after membership begins; AHP met; up to $125K per pregnancy |
| Preventive care | ✓ Yes | Annual physicals with limited labs |
| Prescriptions (new conditions) | ⚠ Partial | Up to 6 months of sharing for new acute diagnoses; discount programs (Navitus, GoodRx) for all members |
| Prescriptions (chronic/ongoing) | ✗ No | Maintenance meds not shared; use discount programs |
| Mental health (in-person therapy) | ✗ No | Outpatient therapy sessions not shared |
| Dental | ✗ No | Discount program offered; no sharing |
| Vision | ✗ No | Discount program offered; no sharing |
| Pre-existing conditions | ⚠ Partial | 36-mo wait, then capped ($100K/yr after 3 yrs, $500K/yr after 5 yrs) |
Prescription Coverage: The Real Story
Medi-Share's prescription coverage is more nuanced than a flat yes or no. For new acute conditions — say you get an infection and need antibiotics, or you're newly diagnosed with something — Medi-Share will share those prescription costs for up to six months. After that period, or if the medication is for an ongoing chronic condition you had before joining, it becomes your out-of-pocket expense.
All members get access to prescription discounts through Navitus Health Solutions and GoodRx, which can cut costs meaningfully on generics. But for brand-name or specialty maintenance medications, these discounts rarely close the full gap.
Prescription cost check before you switch:
Price your regular medications separately and include the full ongoing cost in your household comparison. A lower monthly contribution does not establish savings when maintenance prescriptions are not eligible for sharing.
Pre-Existing Conditions: The 36-Month Wait
Medi-Share does cover pre-existing conditions — eventually. Here's the waiting period (keep in mind that under ACA rules, insurance plans must cover pre-existing conditions from day one with no waiting period):
- Months 1–36: Not shared at all (you pay 100%)
- After 36 months: Shared up to $100,000 per member per year
- After 60 months: Cap rises to $500,000 per member per year
“Pre-existing” means any condition for which you received treatment, diagnosis, or advice in the 36 months before joining. A high blood pressure diagnosis from two years ago is pre-existing. A surgery from four years ago is not pre-existing by Medi-Share's definition.
Compare that to Zion HealthShare, which covers HBP, high cholesterol, and type 2 diabetes from month 1 (for members without prior hospitalization). If any of those three apply to you, Zion may be a better fit on pre-existing coverage.
How Medi-Share Compares to Competitors
Compare household quotes, provider access, faith requirements, and sharing rules. Monthly amounts are not interchangeable across ages, household sizes, and memberships.
Want every plan's rates in one place? The 2026 health sharing cost index covers all 15 tracked plans with individual and family pricing side by side.
Also worth pricing if Medi-Share isn’t the fit
Compare these memberships only if their eligibility and sharing rules match your situation.
- Zion HealthShare★ 4.8/5 · from $114/mo
No faith statement, with day-one carve-outs for HBP, cholesterol, and diabetes.
- CrowdHealth★ 4.6/5 · from $60/mo
A secular crowdfunding model for households comfortable with voluntary funding and its eligibility rules.
- Sedera★ 4.5/5 · Current quote required
Wide IUA tiers and day-one exceptions for controlled high blood pressure and non-insulin diabetes.
Medi-Share vs ACA Insurance: The Real Cost Difference
Compare your personalized Medi-Share quote with your actual marketplace premium after any subsidies. Add the AHP and ongoing care costs that are not eligible for sharing; a monthly contribution alone does not show the full cost. Health sharing is voluntary and is not insurance, so lower monthly payments do not mean equivalent benefits.
Who Medi-Share Is Right For
Medi-Share is a strong fit if you:
- Are a Christian willing to sign a statement of faith
- Take no regular maintenance prescriptions (or only cheap generics)
- Are generally healthy with no active treatment underway
- Want the security of a large, 30-year-old community (nearly 350,000 members)
- Are self-employed, early retired, or buying on the individual market without subsidies
Medi-Share is a poor fit if you:
- Take regular brand-name or specialty maintenance medications
- Need in-person mental health therapy
- Have serious active pre-existing conditions you need covered immediately
- Are not comfortable signing a Christian statement of faith
- Are pregnant now (conception must occur after membership begins for maternity sharing eligibility)
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If the AHP math works for your household, enroll with Medi-Share — or compare Zion and CrowdHealth above if you need broader day-one coverage.
Frequently Asked Questions
How much does Medi-Share cost per month?
Medi-Share Complete requires a personalized quote. The monthly share depends on AHP, date of birth, marital status, state, and household size. This site does not publish a universal rate card.
What is an AHP in Medi-Share?
AHP stands for Annual Household Portion — Medi-Share's equivalent of an annual deductible. It's the amount your household pays each year before Medi-Share shares eligible medical costs. Current AHP options for Medi-Share Complete are $3,000, $6,000, $9,000, and $12,000. A lower AHP means higher monthly contributions; a higher AHP means lower monthly costs.
Does Medi-Share cover prescriptions?
Partially. Medi-Share shares prescription costs for new acute conditions for up to 6 months. Ongoing maintenance medications for chronic conditions are generally not shared. Members also get prescription discounts through Navitus Health Solutions and GoodRx. If you take regular long-term medications, calculate your out-of-pocket drug costs separately when comparing.
Does Medi-Share cover pre-existing conditions?
Yes, but not right away. Medi-Share does not share pre-existing condition costs at all for the first 36 months of membership. After that, sharing is capped at up to $100,000 per member per year, rising to $500,000 per year after 5 years of membership. Pre-existing conditions are not excluded permanently, but you will pay the full cost yourself for the first three years.
Is Medi-Share cheaper than ACA insurance?
Compare your personalized monthly quote with your actual marketplace premium after any subsidies. Include the AHP and care costs not eligible for sharing; health sharing is voluntary and is not insurance.
What does Medi-Share not cover?
Medi-Share does not cover: ongoing maintenance prescription drugs (discount programs are offered), in-person mental health outpatient therapy, dental, vision, or pre-existing conditions during the 36-month waiting period. Elective procedures, experimental treatments, and injuries from illegal activities are also excluded.
How does Medi-Share compare to Zion HealthShare on price?
Compare personalized household quotes and eligibility rather than assuming either membership is cheaper. Medi-Share requires a Christian statement of faith; Zion has no faith requirement. Check each membership’s sharing rules before choosing.
Compare your options: Enroll with Medi-Share | Full Medi-Share review | Medi-Share vs CrowdHealth | Zion vs Medi-Share | All plans side by side | Ask the advisor
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