Best Christian Health Sharing Ministries for 2026
CHM and Samaritan Ministries have no enroll link here — join on their sites.
Medi-Share is our #1 Christian pick. Same monthly share through this link or direct.
Get a quote · Medi-Share · telehealth & maternity →Three Christian health cost sharing plans make up the core of Christian health sharing. Ranked on coverage, cost, faith requirements, and track record: Medi-Share is the best overall, CHM is the cheapest, and Samaritan Ministries offers the traditional direct member-to-member model. If a faith requirement isn’t essential to you, Zion HealthShare and Sedera are non-denominational alternatives with broader coverage — but here we focus on the explicitly Christian options.
Editor’s pick
Medi-Share
Monthly share varies · ★ 4.5
Our #1 pick for Christian health sharing: established in 1993, with the broadest coverage of the three — telehealth, partial prescriptions, partial mental health, maternity — and the lightest faith requirement.
Christian-friendly plans you can enroll in
Medi-Share is the best overall Christian plan here. Zion is the strongest any-faith alternative if a statement of faith isn’t essential. CHM and Samaritan remain featured below — enroll on their sites.
- Medi-Share★ 4.5/5 · Monthly share varies
Best overall Christian plan: broadest coverage of the three ministries, lightest faith requirement, with first-month and condition-specific sharing limits.
- Zion HealthShare★ 4.8/5 · from $114/mo
Any-faith alternative with stronger day-one pre-existing carve-outs and everyday coverage — not a Christian ministry, but often the better fit when faith rules are flexible.
Medi-Share has separate limits for first-month sharing and certain conditions. See the official Medi-Share Complete Guidelines, Section VI.B and VI.F for the first-month household-transition exception and pre-existing-condition limits.
Cheapest Christian plan
CHMMost traditional (direct sharing)
Samaritan Ministries#1 · Best overall Christian plan
Medi-Share
Get a quote · ★ 4.5/5 · Christian (statement of faith)
A Christian health sharing ministry established in 1993 and the most complete — it includes telehealth, partial prescription sharing, partial mental health, and maternity, with first-month and condition-specific sharing limits. It also has the lightest faith requirement of the three (a statement of faith, with no church-attendance verification). For most Christian families, Medi-Share is the strongest all-around pick.
#2 · Cheapest Christian plan
CHM (Christian Healthcare Ministries)
$115–$299/mo · ★ 4.4/5 · Christian (church attendance)
The lowest cost in health sharing ($115/month individual) and one of the shortest pre-existing waiting periods (12 months symptom-free, versus Medi-Share’s 36 months), with the longest track record (since 1981, 300,000+ members). The trade-off: CHM’s base program excludes telehealth, prescriptions, and mental health, and it expects active Christian faith and church involvement.
#3 · Most traditional — direct member sharing
Samaritan Ministries
$210–$400/mo · ★ 4.4/5 · Christian (church attendance)
A distinctive peer-to-peer model — each month you send your share directly to another member who has a need, often with a note of encouragement. A tight-knit, relational Christian community (250,000+ members since 1994). It requires church attendance and excludes telehealth, prescriptions, and mental health, at $210+/month.
What if none of the three Christian ministries fits?
A household that cannot meet CHM’s or Samaritan Ministries’ church requirements, or that wants everyday care shared, usually fits an any-faith plan better. Zion HealthShare starts at $114 per month with no faith requirement. CrowdHealth charges a $60 monthly fee plus a contribution, and each member picks a per-event commitment from $500 to $15,000 before the crowd helps. Knew Health starts at $178 per month.
The Three Christian Ministries at a Glance
| Plan | Monthly (Individual) | Faith | Pre-Existing | Members | Rating | |
|---|---|---|---|---|---|---|
| Medi-Share | Get a quote | Statement of faith | 36 months | nearly 350,000 | 4.5/5 | Enroll → |
| CHM | $115–$299/mo | Church attendance | 12 months | 300,000+ | 4.4/5 | Read review → |
| Samaritan Ministries | $210–$400/mo | Church attendance | 12 months | 250,000+ | 4.4/5 | Read review → |
Want your match emailed to you?
We send Medi-Share and Zion HealthShare, why each fits, and the link to each plan.
What does each plan actually cost, checked on its own site?
On October 16, 2026 we checked each plan’s monthly price on the organization’s own website, not a broker or review site. CHM Bronze is the lowest published Christian price at $115 per unit per month. Zion HealthShare is the lowest published any-faith price at $114. Where a site only offers a calculator or enrollment app, the table shows our last confirmed figure and the date we confirmed it.
| Plan | Monthly (individual) | Faith requirement | The catch | Checked | Official source |
|---|---|---|---|---|---|
| Medi-Share | Quote only (age, household, state, Annual Household Portion) | Statement of faith | Medi-Share limits first-month sharing to $50,000 and shares eligible pre-existing conditions only after 36 months (up to $100,000/year). | Oct 16, 2026 | medishare.com |
| CHM | $115 (Bronze) · $169 (Silver) · $299 (Gold) per unit | Statement of faith + church involvement | CHM caps each illness at $125,000 unless the member adds CHM Plus ($42/month). | Oct 16, 2026 | chministries.org/programs |
| Samaritan Ministries | $210–$400 (Classic, by age) + $200 startup fee | Statement of faith + church attendance | Samaritan Ministries charges a non-refundable $200 startup fee; monthly shares come only from its calculator. | Oct 19, 2026 | samaritanministries.org/cost |
| Zion HealthShare | From $114 | None (any faith) | Zion HealthShare is not a Christian ministry, so faith-based community is not part of the membership. | Oct 16, 2026 | zionhealthshare.org |
| CrowdHealth | $60 advocacy fee + monthly contribution (about $60–$200 total) | None | CrowdHealth is a crowdfunding membership, not a health sharing ministry, and each member pays a chosen $500–$15,000 per event first. | Fee Oct 16, 2026 · range Sep 14, 2026 | joincrowdhealth.com/pricing |
| Sedera | $88–$413 | Member principles (no faith test) | Sedera’s site is under maintenance and lists no prices, so confirm the monthly amount at enrollment. | Sep 30, 2026 | sedera.com |
| Knew Health | From $178 | None | Knew Health starts higher than Zion HealthShare or CHM Bronze but says prices have not risen in over 8 years. | Oct 16, 2026 | knewhealth.com |
| HSA Secure | $114–$320 | None | HSA Secure prices only inside its enrollment app, so the range is our last check. | Sep 17, 2026 | joinmpb.com/securehsa |
CHM and Samaritan Ministries enroll only on their own sites (linked above). For the any-faith plans in the table:
As an alternative for Christian households that want the broadest ministry coverage, Medi-Share quotes by age, household size, state and Annual Household Portion. Use the Medi-Share quote button above.
How did we rank and check these plans?
WhichHealthShare scores every plan on the six factors in our published methodology: coverage breadth, financial protection, track record and trust, cost and value, pre-existing-condition terms, and transparency. Coverage, financial protection and track record carry the most weight, because those decide whether a plan protects a household in a real medical event.
Every price and limit on this page links to the organization’s own website or guidelines. Where a site publishes no price, the table shows our last confirmed figure and the date we confirmed it. Prices were last checked on October 16, 2026 by The WhichHealthShare Editors. A referral relationship never changes the ranking order, and CHM and Samaritan Ministries, which pay us nothing, stay ranked where those factors put them. Full details are on our methodology page.
Compare Them Head-to-Head
- CHM vs Medi-Share →
- Samaritan vs Medi-Share →
- CHM vs Zion (any-faith alternative) →
- Zion vs Medi-Share →
Frequently Asked Questions
What is the best Christian health sharing plan in 2026?
Medi-Share (4.5/5) is the best overall — the broadest coverage (telehealth, partial prescription and mental health, maternity), the lightest faith requirement, and first-month and condition-specific sharing limits. First-month sharing is normally limited to $50,000, except when moving from a parent member household to individual membership. Separately, eligible pre-existing conditions may be shared up to $100,000 per member per year after 36 consecutive months of faithful sharing and up to $500,000 after 60 consecutive months; other condition-specific limits apply. CHM is the cheapest ($115/mo, 12-month symptom-free pre-existing wait), and Samaritan Ministries is best if you want the traditional direct member-to-member sharing model.
Which Christian plan is cheapest?
CHM, at $115/month for an individual — one of the lowest prices in all of health sharing, with a 12-month symptom-free pre-existing waiting period. Get a quote for Medi-Share: its monthly share depends on age, household size, state, and Annual Household Portion. Samaritan starts higher at $210.
Do all three require a statement of faith?
Yes — all three require an active Christian faith. CHM and Samaritan Ministries are stricter (they expect church attendance, and Samaritan requires a pastor or leader to verify membership). Medi-Share uses a lighter statement of faith without the same church-attendance verification.
Which Christian plan covers the most?
Medi-Share. It includes telehealth, partial prescription sharing, partial mental health support, and maternity. CHM and Samaritan exclude telehealth, prescriptions, and mental health in their base programs, focusing on larger medical events.
Are Christian health sharing ministries insurance?
No. Health sharing is not insurance, and sharing of medical costs is never guaranteed. These are voluntary, faith-based cost-sharing communities, not regulated insurance — confirm each ministry’s guidelines before relying on it.
How much do Christian health sharing plans cost per month in October 2026?
On October 16, 2026 we checked each ministry’s own site. CHM charges $115 (Bronze), $169 (Silver) or $299 (Gold) per unit per month. Samaritan Ministries prices by calculator: Samaritan Classic runs $210–$400 per month for one person depending on age (rates effective July 1, 2026, checked October 19, 2026), plus a non-refundable $200 startup fee. Medi-Share gives a personal quote based on age, household, state and Annual Household Portion. As an any-faith comparison, Zion HealthShare starts at $114 per month.
Does CHM have a limit per illness?
Yes. CHM shares up to $125,000 per illness on Gold, Silver and Bronze. CHM Plus, an add-on CHM lists at $42 per month, shares eligible bills above $125,000. A CHM member weighing CHM Bronze at $115 should budget about $157 per month with CHM Plus for protection against a major illness, per chministries.org/programs (checked October 16, 2026).
Editor’s pick
Zion HealthShare
from $114/mo · ★ 4.8
Prefer no faith statement? Zion is the strongest any-faith alternative we track — broader day-one pre-existing carve-outs than the Christian ministries above.
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Christian sharing community
Medi-Share
Monthly share varies · ★ 4.5
A Christian bill-sharing ministry established in 1993. Get a personalized monthly share quote and review first-month and condition-specific eligibility limits before joining.
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