Medi-Share Review 2026
In-depth review with verified pricing, coverage details, and honest pros and cons.
Medi-Share
400,000+
Best for: Christian families, established community with 30+ years history
Monthly Cost
$227-$405
Coverage Cap
$250,000
Pre-Existing Wait
12 months
Faith Requirement
Christian
Overview
Medi-Share is the largest health sharing ministry with 400,000+ members, founded in 1992 and based in Atlanta, GA. Monthly contributions range from $227 to $405 for individuals and up to $1,215 for families, with a sharing cap of $250,000. Requires Christian statement of faith, has 12-month waiting period for pre-existing conditions, and covers telehealth, maternity, preventive, emergency, and surgery.
Key Facts
- ✓Monthly cost: $227-$405 (individual), $681-$1,215 (family)
- ✓Sharing cap: $250,000
- ✓Christian faith requirement
- ✓12-month pre-existing waiting period (phased 25-100%)
- ✓Any doctor — no network restriction
- ✓400,000+ members (largest ministry)
- ✓Covers: telehealth, maternity, preventive, emergency, surgery
Pros and Cons
What we like
- ✓Largest health sharing ministry with 400,000+ members
- ✓Established since 1992 — stable and proven
- ✓Maternity coverage included
- ✓Any doctor — no network restriction
- ✓Telehealth coverage
Watch out for
- ✕Christian faith requirement
- ✕12-month waiting period for pre-existing conditions
- ✕No prescription drug coverage
- ✕Sharing cap of $250,000
- ✕Highest price tier among ministries
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What's Covered
✓
telehealth
✗
prescriptions
✓
maternity
✗
mental Health
✗
dental
✗
vision
✓
preventive
✓
emergency
✓
surgery
What would Medi-Share cost for a real medical event?
Model an ER visit, surgery, or pregnancy and see what you'd actually pay out of pocket.
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Frequently Asked Questions
How much does Medi-Share cost per month?
Medi-Share individual plans start at $227/month and go up to $405/month depending on your IUA selection. Family plans start at $681/month. These are 2026 verified rates.
Does Medi-Share cover pre-existing conditions?
Medi-Share does accept members with pre-existing conditions. There is a 12 months waiting period before pre-existing conditions become eligible for sharing. 25% first year, 50% second, 75% third, 100% fourth+.
Does Medi-Share have a faith requirement?
Medi-Share faith requirement: Christian statement of faith required. You must meet the faith criteria to become a member.
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