Best Health Sharing for Pre-Existing Conditions
Which ministries offer the best coverage for people with health history.
Pre-existing conditions are the biggest challenge with health sharing. Unlike insurance (which must cover pre-existing conditions), health sharing ministries typically have waiting periods. But some are much better than others.
Our Top Picks
The oldest health sharing ministry with the lowest costs. Best for budget-conscious Christians.
Unique direct member-to-member sharing model with strong faith community.
Healthcare crowdfunding platform - modern alternative to health sharing with no faith requirement and no coverage caps.
Modern health sharing with industry-leading pre-existing coverage, full mental health, and no religious requirements.
Modern health sharing ministry with a tech-forward approach and DPC integration.
Understanding Pre-Existing Policies
Waiting Periods
Most ministries have a waiting period (typically 12-36 months) before pre-existing conditions are eligible for sharing.
Phase-In Programs
Some ministries gradually increase coverage. Presidio's Fresh Start covers 50% at 6 months, 75% at 9 months, 100% at 12 months.
Special Programs
CHM's Gold program allows members to share pre-existing condition costs through a separate program.
Our Recommendation
For people with pre-existing conditions, Presidio Healthcare offers the best package with its 6-month Fresh Start program. If you want the most affordable option with pre-existing coverage, CHM's Gold program is worth considering.