Medi-Share Review 2026
In-depth review with verified pricing, coverage details, and honest pros and cons.
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Medi-Share
400,000+
Best for Christian families, established community with 30+ years history
Monthly Cost
$115–$470/mo
Coverage Cap
None — no annual or lifetime sharing cap
Pre-Existing Wait
36 months
Faith Requirement
Christian
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Overview
About Medi-Share
Medi-Share is the largest health sharing ministry with 400,000+ members, founded in 1993 and based in Melbourne, FL. Monthly contributions vary by age and AHP — roughly $115 to $470 for individuals and $390 to $850 for a family of four. AHP (Annual Household Portion) options are $3,000, $6,000, $9,000, or $12,000 — there is no annual or lifetime sharing cap. Requires a Trinitarian statement of faith and active church involvement. Pre-existing conditions are not shared for the first 36 months; after 36 months shared up to $100,000/member/year, and after 60 months up to $500,000/member/year. Uses the PHCS and First Health PPO networks (900,000+ providers). Includes telehealth and TeleBehavioral health, maternity coverage ($125K cap per pregnancy), preventive, emergency, and surgery. Ongoing prescription maintenance drugs are not shared; new acute condition prescriptions covered up to 6 months.
At a Glance
Key Facts
- Monthly cost: ~$115-$470 (individual), ~$390-$850 (family of 4) — varies by age & AHP
- No annual or lifetime sharing cap
- AHP options: $3,000 / $6,000 / $9,000 / $12,000
- Trinitarian statement of faith + active church involvement required
- 36-month pre-existing waiting period (not shared first 36 months; up to $100K/yr after 36 months; up to $500K/yr after 60 months)
- PHCS and First Health PPO networks (900,000+ providers) — out-of-network providers also allowed
- 400,000+ members (largest health sharing ministry)
- Telehealth and TeleBehavioral health included
- Prescriptions: new conditions up to 6 months; chronic meds not shared
The Honest Take
Pros and Cons
What we like
- Largest health sharing ministry with 400,000+ members
- Established since 1993 — stable and proven
- No annual or lifetime sharing cap
- Maternity coverage included
- PHCS and First Health PPO networks (900,000+ providers) — out-of-network providers also allowed
- Telehealth and TeleBehavioral health included
Watch out for
- Christian faith requirement (Trinitarian statement of faith + active church involvement)
- 36-month waiting period for pre-existing conditions
- Ongoing maintenance prescriptions not shared
- In-person mental health outpatient not covered
- Highest price tier among faith-based ministries
Coverage
What's Covered
telehealth
prescriptions
maternity
mental Health
dental
vision
preventive
emergency
surgery
Still reading? Here's the short version
Medi-Share
$115–$470/mo · ★ 4.5
Best for christian families, established community with 30+ years history
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Run the numbers for Medi-Share
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Other Options
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Zion HealthShare
From $114/mo
Anyone without faith requirements, best overall value
Sedera
From $153/mo
Secular users seeking alternative to faith-based ministries
CHM (Christian Healthcare Ministries)
From $115/mo
Strict Christians seeking lowest cost option, most affordable ministry
Samaritan Ministries
From $199/mo
Committed Christian members seeking traditional health sharing
Knew Health
From $142/mo
Wellness-focused, non-religious individuals, families, and self-employed people seeking an affordable secular cost-sharing community
HSA Secure
From $114/mo
Self-employed individuals and small business owners who want HSA tax advantages paired with affordable health sharing
Questions
Frequently Asked Questions
How much does Medi-Share cost per month?
Medi-Share individual plans start at $115/month and go up to $470/month depending on your IUA selection. Family plans start at $390/month. These are 2026 verified rates.
Does Medi-Share cover pre-existing conditions?
Medi-Share does accept members with pre-existing conditions. A waiting or phase-in period applies before pre-existing conditions become fully eligible for sharing. Pre-existing conditions are not shared for the first 36 months. After 36 consecutive months, shared up to $100,000/member/year; after 60 months, up to $500,000/member/year.
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.
Head to Head
How Medi-Share Compares
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