Name: Medi-Share Review 2026
Item: Medi-Share
Rating: 4.5
Author: WhichHealthShare

Question 1

How much does Medi-Share cost per month?

Accepted Answer

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.

Question 2

Does Medi-Share cover pre-existing conditions?

Accepted Answer

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.

Question 3

Does Medi-Share have a faith requirement?

Accepted Answer

Medi-Share faith requirement: Christian statement of faith required. You must meet the faith criteria to become a member.

Question 4

Is Medi-Share legit?

Accepted Answer

Yes. Medi-Share is the largest health sharing ministry in the US — 400,000+ members, operating since 1993, and accredited. It is not insurance and payment is not legally guaranteed, but its scale and 30+ year history make it the most established player in health sharing. The catches: a Christian statement of faith is required, pre-existing conditions are not shared for the first 36 months (then phased in — up to $100,000/member/year after 36 months, $500,000 after 60), and processing runs a reported 45-60 days, slower than newer plans like Impact.

Question 5

What does Medi-Share cost — and is the pricing worth it?

Accepted Answer

Medi-Share runs $115-$470/month for an individual depending on age and the AHP (Annual Household Portion) you choose — the AHP works like a deductible, and a higher AHP means a lower monthly share. What the price buys that cheaper ministries do not offer: no annual or lifetime sharing cap on eligible bills. Whether it is worth it comes down to the pre-existing rules — if you have an ongoing condition, the 36-month wait and phased sharing limits are the real cost, and a plan with a shorter wait may serve you better even at a similar price.

Question 6

How does Medi-Share compare in cost to an ACA marketplace plan?

Accepted Answer

For a healthy 40-year-old in a mid-cost state, an unsubsidized ACA Bronze plan runs roughly $350-$500/month with a $7,000-$8,000 deductible and a $9,100 out-of-pocket max. The same person on Medi-Share at the $3,000 AHP tier pays roughly $200-$240/month with no out-of-pocket maximum, because sharing follows member guidelines rather than a legal cap. That is often $100-$200/month in savings for a single adult, more for families — context that matches the KFF 2025 Employer Health Benefits Survey finding that average single-coverage premiums now top $8,900/year. The trade-off for the lower cost: Medi-Share is not subject to ACA rules, so there is no guaranteed issue and no minimum coverage standard the way a marketplace plan has.

Plan	From / mo	Faith requirement	Pre-existing wait	Review
Medi-Share	$115–$470/mo	Christian	36 months	Read →
CHM (Christian Healthcare Ministries)	from $115/mo	Strict Christian	12 months	Read →
Zion HealthShare	from $114/mo	No requirement	12 months (then phased in over 4 years)	Read →

Medi-Share Review 2026

How Medi-Share compares

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