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All 8 health shares, compared on what actually matters
Zion HealthShare is the current top pick at 4.8/5, from $114/month, with no faith requirement and day-one sharing for high blood pressure, high cholesterol, and diabetes. Medi-Share is the largest Christian option, from $115/month, with a statement of faith required. CrowdHealth typically runs about $140/month for a healthy member under 55. The catch on every option: sharing is not insurance, and pre-existing waits usually run 12 to 36 months.
- Cost floor: Zion from $114/mo; Medi-Share $115–$470/mo
- Faith: Four featured options have none; Medi-Share, CHM, and Samaritan require Christian faith
- Pre-existing: Typically 12 to 36 months; Zion has day-one carve-outs for three conditions
- Network: Most are any-doctor; Medi-Share uses PHCS + First Health
- State limits: Knew Health excludes CA, IL, MD, NY, OR, PA, VT, WA. HSA Secure and Zion exclude WA. Sedera excludes CA, NM, PA, VT, and WA.
- Sharing: Not insurance; payment is not legally guaranteed
Set your household below and every price updates. Sort by any column. The columns nobody else publishes — pre-existing phase-in, maternity clock, sharing speed — are the ones that decide whether a plan works for you.
Plans with a next step through our links
Zion, Sedera, and CrowdHealth have signup paths; Medi-Share begins with a contact form, and HSA Secure begins with a brokerage referral request. Knew Health, CHM, and Samaritan remain in the table for comparison.
- Zion HealthShare★ 4.8/5 · from $114/mo
Current top pick: no faith requirement, broad everyday coverage, and the strongest day-one pre-existing carve-out we track.
- Medi-Share★ 4.5/5 · Monthly share varies
Best established Christian community path — 400,000+ members, PPO access, telehealth and maternity in one plan.
- CrowdHealth★ 4.6/5 · from $60/mo
Lower monthly commitment for healthy households who want a secular crowdfunding model.
- Sedera★ 4.5/5 · Current quote required
Wide IUA range and day-one exceptions for controlled HBP and non-insulin diabetes.
- HSA Secure★ 4/5 · from $114/mo
Zion-powered sharing bundled with a MEC policy so you can contribute to an HSA — from $114/mo, no faith requirement.
The differences that actually decide it
Four columns in that table matter far more than the monthly price. Here is what each one means when you are the one holding the bill.
Almost no plan shares a pre-existing condition on day one. Published waits across our 8 tracked plans range from 12 to 36 months, and several phase in a coverage cap over several years after that.
The clock usually runs from conception, not the due date — and most plans in our roster don’t publish a maternity-specific wait at all, only a general pre-existing-condition wait. If a baby is on the horizon, ask the plan directly before you enroll.
The initial unshareable amount (IUA) is the deductible-like figure you cover yourself before a need is shared. Entry tiers across our tracked plans start as low as $300 and run up to $3,000.
You typically pay the provider and wait to be reimbursed. Published processing times range from immediate (community-funded models) to 45 days — a real factor on a large bill.
A table can't know your household. The Advisor can.
Seven questions, then it ranks every plan by what it would actually cost your household — and says plainly when an ACA plan would serve you better.
Common head-to-heads
The two secular front-runners, compared price, coverage cap and claims record.
Read the comparison →The two largest Christian ministries — one has a real PPO network, the other is half the price.
Read the comparison →When a subsidy makes the ACA marketplace the better deal — and where that flips.
Read the comparison →Editor’s pick
Zion HealthShare
from $114/mo · ★ 4.8
Ready to enroll? Zion is our current #1 across cost, pre-existing wait, and maternity coverage — or keep comparing in the table above.
Questions people actually ask
How do I compare health sharing plans side by side?
Line up four things for each provider: monthly cost for your household size, the pre-existing-condition waiting period, whether a faith statement or church attendance is required, and how fast the plan processes shared bills. The table on this page puts all of that side by side for every plan we track, with a link to the full review and cost data behind each row.
What is the best health sharing plan in 2026?
There's no single best plan — it depends on your priorities. Use the sort chips above the table to rank by price, pre-existing wait, maternity wait, sharing speed, or our overall score, and filter to secular-only plans if a faith requirement is a dealbreaker.
Which health sharing plans cover pre-existing conditions?
All the plans we track will eventually share pre-existing conditions, but the wait and the phase-in caps vary widely — see the "Waiting periods" column for each plan's published schedule, and the pre-existing explainer card below the table for how to read it.
Are health sharing plans insurance?
No. Health care sharing ministries and peer-to-peer options like CrowdHealth are not insurance — members voluntarily share one another's eligible medical costs. They're typically cheaper than insurance but aren't guaranteed to pay and carry their own eligibility rules.
What to do next
If the table already shows the plan you want, open its review and confirm the current monthly share before you enroll. If you still want a match, the advisor uses the same plans.
Not sure which plan fits you? Our advisor matches you in about 2 minutes — free, no forms.
Find My Plan (2 min) →Read the Zion HealthShare review or compare Zion vs Sedera.
Looking for a better fit?
Two quick next steps if this plan isn't your match
Still deciding after the table? Most families land on one of two paths: a plan you can join today with no faith requirement, or a lower-cost option for routine care.
1. Get matched in about two minutes. The free Advisor compares your household, budget, and faith preference against every plan we track. No email is needed to see results.
Take the free Advisor →2. Want a plan you can join today? Zion HealthShare has no faith requirement, no network (see any doctor), and shares bills for high blood pressure, high cholesterol, and diabetes from day one when the condition is managed and you were not recently hospitalized for it.
Prefer a membership model for everyday bills? CrowdHealth's link includes our code PEOPLES. See CrowdHealth pricing →