Health Sharing Coverage Matrix — 2026
Price is how most people shop for health sharing. Coverage is what actually matters when you need care. This matrix breaks down what all 15 tracked plans include across 9 categories — telehealth, prescriptions, maternity, mental health, dental, vision, preventive, emergency, and surgery — computed directly from each plan's source data. The headline finding: only 1 of 15 plans includes dental, only 1 includes vision, and 8 of 15 include some form of prescription sharing (with significant conditions on two of those). If your coverage needs go beyond emergency and surgery, the differences between plans are dramatic.
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Key findings
- Telehealth: 13 of 15 plans included — the two exceptions are CHM and Samaritan Ministries, both strict-faith ministries that were founded before telemedicine existed. CHM and Samaritan members see any doctor; they just don't have a dedicated telehealth benefit.
- Prescriptions: 7 of 15 plans share the full cost; 8 include some form of coverage — Medi-Share is acute-only (new conditions up to ~6 months; chronic/maintenance meds not shared). 7 plans — CHM, Samaritan, Liberty, Altrua, netWell, OneShare, and United Refuah — exclude prescriptions entirely.
- Maternity: 12 of 15 plans included — Liberty HealthShare, netWell, and OneShare Health exclude maternity on all tiers.
- Mental health: 9 of 15 plans (full); 10 including partial — Medi-Share covers TeleBehavioral Health only; in-person outpatient therapy is not shared. CHM, Samaritan, HSA Secure, OneShare, and netWell exclude mental health altogether.
- Dental: 1 of 15 plans included — United Refuah HealthShare only — United Refuah is the lone exception, and it requires a Jewish faith affiliation. Every other plan in this index excludes dental. Members wanting dental typically need a separate plan.
- Vision: 1 of 15 plans included — United Refuah HealthShare only — same story as dental: only United Refuah includes it. Secular and Christian plans alike exclude vision sharing.
- HSA-compatible: 3 of 15 plans — Zion HealthShare, Sedera, HSA Secure. These are designed to pair with a Health Savings Account. The remaining 12 plans are not structured to meet HSA eligibility requirements.
- Unlimited coverage cap: 6 of 15 plans — the other 9 have caps. Liberty HealthShare's $50,000/year (base tier) is the lowest; a single hospitalization can exceed it. CHM caps at $125,000 per incident on base plans (optional Brother's Keeper raises it to $1M).
- Pre-existing waiting periods: 6 months (CHM) to 24–60 months (Altrua — depends on condition) — this is one of the most underread dimensions. Altrua's 2–5 year wait on some conditions is a meaningful exposure if you're managing anything chronic.
Coverage by the numbers
The full coverage matrix — all 15 plans
✓ = included | Partial = conditional (see footnotes) | ✗ = not shared
| Plan | Telehealth | Rx | Maternity | Mental Health | Dental | Vision | Preventive | ER | Surgery | HSA |
|---|---|---|---|---|---|---|---|---|---|---|
| Zion HealthShare | ✓ | ✓ | ✓ | ✓ | ✗ | ✗ | ✓ | ✓ | ✓ | ✓ |
| CrowdHealth | ✓ | ✓ | ✓ | ✓ | ✗ | ✗ | ✓ | ✓ | ✓ | — |
| Medi-Share | ✓ | Partial1 | ✓ | Partial2 | ✗ | ✗ | ✓ | ✓ | ✓ | — |
| Sedera | ✓ | ✓ | ✓ | ✓ | ✗ | ✗ | ✓ | ✓ | ✓ | ✓ |
| CHM (Christian Healthcare Ministries) | ✗ | ✗ | ✓ | ✗ | ✗ | ✗ | ✓ | ✓ | ✓ | — |
| Samaritan Ministries | ✗ | ✗ | ✓ | ✗ | ✗ | ✗ | ✓ | ✓ | ✓ | — |
| Knew Health | ✓ | ✓ | ✓ | ✓ | ✗ | ✗ | ✓ | ✓ | ✓ | — |
| HSA Secure | ✓ | ✓ | ✓ | ✗ | ✗ | ✗ | ✓ | ✓ | ✓ | ✓ |
| Impact Health Sharing | ✓ | ✓ | ✓ | ✓ | ✗ | ✗ | ✓ | ✓ | ✓ | — |
| United Refuah HealthShare | ✓ | ✗ | ✓ | ✓ | ✓6 | ✓ | ✓ | ✓ | ✓ | — |
| OneShare Health | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ | ✓ | ✓ | ✓ | — |
| Liberty HealthShare | ✓ | ✗ | ✗ | ✓ | ✗ | ✗ | ✓ | ✓ | ✓ | — |
| Altrua HealthShare | ✓ | ✗ | ✓ | ✓ | ✗ | ✗ | ✓ | ✓ | ✓ | — |
| Solidarity HealthShare | ✓ | ✓ | ✓ | ✓ | ✗ | ✗ | ✓ | ✓ | ✓ | — |
| netWell HealthShare | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✓ | ✓ | — |
Coverage caps & pre-existing waiting periods
Two dimensions that don't fit in the grid above but matter just as much.
| Plan | Coverage cap | Pre-existing wait | Network |
|---|---|---|---|
| Zion HealthShare | Unlimited per need; no annual or lifetime cap | Phase-in period applies | Any doctor |
| CrowdHealth | None — no maximum per event | 2 years ineligible | Any doctor |
| Medi-Share | None — no annual or lifetime sharing cap | 36 months | PPO (PHCS + First Health (MultiPlan)) |
| Sedera | Unlimited | 12-36 month phase-in | Any doctor |
| CHM (Christian Healthcare Ministries) | $125,000 per illness base; CHM Plus add-on ($42/unit/mo) extends to $1M per illness (Silver/Bronze) or unlimited (Gold).4 | 12 months | Any doctor |
| Samaritan Ministries | $250K/need (Classic; Save to Share above)5 | 12 months | Any doctor |
| Knew Health | Unlimited | Phase-in | Any doctor |
| HSA Secure | Unlimited | 12 months | Any doctor |
| Impact Health Sharing | $500,000 per member per year | 36 months | Any doctor |
| United Refuah HealthShare | $1,000,000 per incident / no lifetime limit | 12 months | Any doctor |
| OneShare Health | $150,000 per incident / $300,000 lifetime (entry tier; Classic plans range up to $500,000 per incident / $1,000,000 lifetime) | 24 months | PPO (First Health Network) |
| Liberty HealthShare | $50,000 per year3 | 12 months | PPO (PHCS Network) |
| Altrua HealthShare | Unlimited annual / $2,000,000 lifetime | 24-60 months | PPO (First Health / PHCS) |
| Solidarity HealthShare | $1,000,000 per incident per year | 12 months | Any doctor |
| netWell HealthShare | $250,000 annual / $500,000 lifetime | 24 months | PPO (First Health / PHCS (MultiPlan)) |
- 1Medi-Share prescriptions: acute/new conditions up to ~6 months are shared; ongoing maintenance/chronic medications are not shared.
- 2Medi-Share mental health: TeleBehavioral Health (virtual) is included; in-person outpatient mental health is not shared.
- 3Liberty HealthShare coverage cap varies by plan tier: $50,000/year (Essential/Assist) to $1,000,000 (Unite/Freedom). The $50,000 floor is a meaningful ceiling — one hospitalization can exceed it.
- 4CHM coverage cap: $125,000 per incident on base plans. Optional Brother's Keeper add-on raises the effective cap to $1,000,000 per illness.
- 5Samaritan Ministries: $250,000 per need (Classic). The optional Save to Share program covers needs above that threshold. Members send contributions directly to one another each month.
- 6United Refuah is the only plan in this index that includes both dental and vision sharing. It requires a Jewish faith affiliation.
- 7CrowdHealth is technically healthcare crowdfunding, not a health sharing ministry. Bills are funded voluntarily by members; sharing is not legally guaranteed. The $60/mo figure is an advocacy fee; members also contribute up to $140/mo (under 55) toward others' bills.
What the grid doesn't show
A ✓ in the matrix means the plan shares that category of care — not that it shares it without limits. Emergency and surgery hit a cap for 9 of the 15 plans. Maternity often has a separate waiting period on top of the pre-existing window — many plans require the pregnancy to start after enrollment. Mental health shares can require prior authorization or be limited to a specific provider network.
The pre-existing condition waiting period is the most underread column in this matrix. CHM's 6-month wait is genuinely short — you might be off a waiting period before the year is out. Altrua's 2–5 year window on some conditions means you could be a member for three years before a chronic condition is shareable. If you're managing anything ongoing, map your conditions against each plan's phase-in schedule before you enroll, not after.
Prescription coverage is the biggest gap in health sharing broadly. Even among the 8 plans that include it, Medi-Share's acute-only limit means anyone on maintenance medications (statins, blood pressure meds, insulin, thyroid meds) is on their own for those costs regardless of Medi-Share's otherwise broad sharing. GoodRx and Mark Cuban's Cost Plus Drugs can soften this, but they don't eliminate it.
No plan covers everything. Even United Refuah — the only plan to include dental and vision — excludes prescription sharing. The framing that matters is: which gaps can you absorb, and which can't you? A healthy 35-year-old with no chronic conditions can absorb a prescription gap. A 58-year-old on five daily medications cannot.
Using this with the Cost Index
The 2026 Health Sharing Cost Index tells you what you'll pay each month. This matrix tells you what you get. The two together give you a coverage-adjusted cost comparison. A plan that costs $40/mo more but includes prescriptions and mental health can save you $300–$400/mo in out-of-pocket costs if you actually use those benefits.
The plans that score best on both dimensions — broad coverage and reasonable monthly cost — tend to be Zion HealthShare, Knew Health, Sedera, and CrowdHealth. They include telehealth, prescriptions, maternity, and mental health (full, not partial) at mid-range monthly costs with no faith requirement. The tradeoff is that they're younger organizations with less track record than CHM or Samaritan.
If HSA compatibility matters to you, the shortlist is Sedera, Zion, and HSA Secure. 3 of 15 plans qualify — and none of the strict Christian ministries (CHM, Samaritan, Medi-Share) are on the list, because their structure doesn't meet the IRS definition of a high-deductible health plan equivalent.
Methodology
Coverage data is computed from each plan's structured JSON record, sourced from published plan materials. The includes booleans in that data record whether a category is shared, based on published guidelines at the time of last verification (June 2026).
Where a boolean overstates coverage, we mark the cell as “Partial” and add a footnote. Medi-Share's prescriptions field is marked Partial because the plan's own published materials state that ongoing maintenance prescriptions are not shared — only acute medications (new conditions, up to ~6 months). Medi-Share's mental health is Partial because in-person outpatient therapy is not shared; only TeleBehavioral Health is included. These distinctions are sourced from each plan's own cons/aiKeyFacts data.
Limitations. Coverage terms change. We do not publish a date-versioned history; this is a June 2026 snapshot. Always verify current terms directly with the plan before enrolling. Health sharing is not insurance, so sharing is not legally guaranteed. The footnotes above surface the most material conditional coverage in the dataset.
How to cite this matrix
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Canonical URL: https://whichhealthshare.com/health-sharing-coverage-matrix
Released under CC BY 4.0 — reuse freely with a link to WhichHealthShare.
Frequently asked questions
Do health sharing plans cover prescriptions?
7 of 15 plans include full prescription sharing. Medi-Share shares acute prescriptions (new conditions, up to ~6 months) but not maintenance medications. 7 plans — CHM, Samaritan, Liberty, Altrua, netWell, OneShare, and United Refuah — have no prescription sharing at all.
Do health sharing plans cover dental?
Only 1 of 15 plans includes dental: United Refuah HealthShare (Jewish faith required). Every other plan excludes dental sharing. Members typically need a separate dental plan or an in-network discount membership like Careington or Delta Dental.
Do health sharing plans cover mental health?
9 of 15 plans include full mental health sharing. Medi-Share covers TeleBehavioral Health only — in-person outpatient therapy is not shared. CHM, Samaritan, HSA Secure, OneShare, and netWell exclude mental health entirely.
Which health sharing plans are HSA-compatible?
3 of 15: Zion HealthShare, Sedera, HSA Secure. These can be paired with a Health Savings Account for pre-tax medical spending. The major Christian ministries (CHM, Samaritan, Medi-Share) are not HSA-compatible.
Do health sharing plans cover maternity?
12 of 15 plans include maternity. Liberty, netWell, and OneShare exclude it. Most plans that include maternity require it to start after the member joins.
What is NOT covered by health sharing plans?
Dental (14 of 15 plans), vision (14 of 15), and prescriptions (7 of 15 share none at all) are the most common gaps. Pre-existing conditions during the waiting period are universally excluded. Elective procedures, experimental treatments, and conditions caused by lifestyle choices (depending on the plan) are also typically excluded. Health sharing is not insurance — there are no ACA-mandated essential health benefits.
Not insurance; sharing is not guaranteed. Verify current terms directly with each plan before enrolling.