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Medi-Share vs HSA Secure: Full Comparison for 2026
Medi-Share and HSA Secure serve very different members. Medi-Share, founded in 1993 with 400,000+ members, requires a Trinitarian statement of faith and active church involvement, costs $115–$470/month for an individual, and does not share pre-existing conditions for the first 36 months — but it includes telehealth, partial prescription sharing, and a 900,000+ provider PPO network. HSA Secure is fully secular, runs $114–$320/month (Zion HealthShare's rate table), and is purpose-built to be HSA-compatible via a bundled MEC insurance policy, something Medi-Share is not. Its pre-existing wait is shorter at 12 months. Here is how they compare.
| Factor | Medi-Share | HSA Secure |
|---|---|---|
| Monthly Cost (Individual) | $115-$470 | $114-$320 |
| Initial Unshareable Amount (IUA) | $3,000 / $6,000 / $9,000 / $12,000 | $1,250 / $2,500 / $5,000 |
| Coverage Cap | None — no annual or lifetime sharing cap | Unlimited |
| Faith Requirement | Christian (light) | None (secular) |
| Pre-Existing Wait | 36 months | 12 months |
| Network | PHCS + First Health (MultiPlan) | No network restriction |
| Prescriptions | Included | Included |
| Mental Health | Included | Not included |
| Maternity | Included | Included |
| Processing Time | 45-60 days | 14-35 days |
Verified July 2026 from official plan materials and each plan's official website.
Medi-Share is the larger, more established Christian ministry with a PPO network; HSA Secure is the cheaper, secular, HSA-compatible option with a shorter pre-existing wait.
Choose Medi-Share if
You are a committed Christian who wants the largest health sharing community (400,000+ members since 1993), a PPO network with 900,000+ providers, and partial prescription and mental health sharing. You accept the higher cost ($115–$470/month) and a 36-month pre-existing wait in exchange for scale and track record.
Choose HSA Secure if
You want no faith requirement, the lower and narrower price range ($114–$320/month), a shorter 12-month pre-existing wait, and HSA eligibility built directly into the plan through its bundled MEC insurance policy. HSA Secure runs on Zion HealthShare's sharing community and no-network model, so you can see any provider.
Frequently Asked Questions
Is Medi-Share or HSA Secure cheaper?
HSA Secure. It runs $114–$320/month for an individual, versus $115–$470/month for Medi-Share, which climbs higher with age and your chosen Annual Household Portion.
Does either require a Christian faith?
Medi-Share does — a Trinitarian statement of faith plus active church involvement. HSA Secure requires no faith statement and welcomes members of any background.
Which is HSA-compatible?
HSA Secure. It bundles a MEC insurance policy with its sharing specifically so the combined plan qualifies as an HSA-eligible High Deductible Health Plan. Medi-Share is not HSA-compatible.
Which has the shorter pre-existing condition wait?
HSA Secure, at 12 months before phased sharing begins, versus 36 months for Medi-Share before any pre-existing sharing starts at all.
Which has the larger, more established community?
Medi-Share — 400,000+ members and founded in 1993, versus HSA Secure's 75,000+ members (Zion HealthShare's community, founded in 2019). Medi-Share also carries a PPO network of 900,000+ providers; HSA Secure has no network restriction.
Does either cover mental health?
Medi-Share includes TeleBehavioral (telehealth) mental health support, though in-person outpatient therapy is not shared. HSA Secure does not include mental health sharing in its base plan, though a tele-mental-health add-on is available.
Largest community
Medi-Share
$115–$470/mo · ★ 4.5
The biggest health sharing ministry — 400,000+ members, Cigna PPO network access, and no per-illness sharing cap.
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