Independent review · Updated July 2026
Presidio Healthcare Review (2026)
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The short version
Presidio Healthcare is a licensed, regulated health insurer — not a health sharing ministry — built around Christian, pro-life principles. It is legitimate: state insurance regulation legally requires it to pay covered claims, which no health sharing plan can promise. It does not publish rates online, so cost is quote-based rather than a fixed number you can compare on the page. The catch for most readers: it currently only sells its FortressPlan in Texas. If you're outside Texas, or want a faith-based option you can join nationwide today, see the vetted health sharing alternatives below.
What Presidio is
Presidio describes its FortressPlan as the nation's first Christian, pro-life health insurance — a faith-aligned alternative to traditional coverage where, per Presidio, premiums never fund healthcare practices counter to life. Crucially, it's actual health insurance, regulated as such — not a healthcare sharing ministry, so eligible care isn't "shared" at the community's discretion the way it is with a health share.
How it works
- $0-deductible plan options.
- Members pay 50% of each bill up to an annual maximum out-of-pocket; per Presidio, half of the used maximum rolls over at renewal.
- Any doctor or hospital nationwide, with no policy limits on care (per Presidio).
- Built explicitly on Christian, pro-life principles.
How much does Presidio cost?
Presidio does not publish a rate table on its consumer marketing materials, so there is no fixed monthly number to report here — pricing is quote-based and depends on your age, location, and which FortressPlan option you select. What Presidio does publish: $0-deductible plan options exist, and once a bill is submitted, members pay 50% of costs up to an annual out-of-pocket maximum, with half of whatever maximum you used rolling over as a credit at renewal. Because it is regulated insurance rather than a published-guideline sharing ministry, the only way to see an actual number is to request a quote directly from Presidio. For comparison, faith-based health sharing plans post real monthly ranges up front — CHM starts at $115/month, the lowest published figure in the health-sharing space.
Who Presidio fits
Presidio makes the most sense for a Texas resident who wants a Christian, pro-life-aligned plan with a legal guarantee of claims payment, and who is comfortable requesting a quote rather than seeing a published price up front. It is not the right fit if you live outside Texas today, if you want a secular plan, or if you want to compare a fixed monthly cost before you commit — in those cases a nationwide health sharing ministry is the more practical option right now.
How Presidio's insurance model differs from health sharing
The mechanics matter more than the marketing here. Presidio is licensed and regulated as an insurance company, which means it is legally required to pay covered claims and is backed by state insurance regulation — there is a state insurance commissioner you can file a complaint with if a claim is mishandled. Health sharing ministries (Medi-Share, CHM, Samaritan) work differently: they are voluntary cost-sharing communities exempt from ACA insurance regulation under Section 1402(d). Members share each other's eligible bills according to published guidelines, but no sharing is legally guaranteed and there is no state regulator standing behind it. See our health sharing vs. insurance breakdown for the full regulatory picture.
That guarantee is Presidio's real advantage over health sharing — and it comes with the usual insurance tradeoffs: state licensing (which is why it's Texas-only for now), and pricing that isn't published online, so you can't comparison-shop it against a health share's posted monthly ranges without requesting a quote.
The catch: it's Texas-only (for now)
Presidio launched in Texas and says it plans to expand into Florida, Indiana, Georgia, North Carolina, Ohio and beyond. But if you don't live in Texas today, you can't enroll yet. That's the single biggest reason most people researching Presidio end up choosing something else available now.
Want a faith-based option you can join today?
If you're drawn to Presidio for its Christian, pro-life mission but can't get it (or don't want to wait), faith-based health sharing is the closest alternative available nationwide right now. It's typically far cheaper than insurance — though it's not insurance, and sharing isn't legally guaranteed. Our free advisor will match you to the right one in about two minutes.
Vetted Christian alternatives, nationwide
These faith-based health sharing communities are available in all 50 states today — read our honest reviews:
- Medi-Share — the largest Christian health sharing ministry (400,000+ members).
- Christian Healthcare Ministries (CHM) — among the lowest monthly costs.
- Samaritan Ministries — members share medical costs directly with one another.
Not sure which fits? Take the 2-minute advisor or compare every vetted plan side by side.
If you are deciding between Samaritan and Medi-Share specifically, read our Samaritan vs Medi-Share comparison — it covers pricing, the direct-sharing model, faith requirements, and who each plan suits best.
Comparing Presidio's insurance model against health sharing? Our free advisor matches you to a nationwide plan in about 2 minutes.
Find My Plan (2 min) →Who should NOT choose Presidio
- You live outside Texas today — you simply can't enroll yet, regardless of how well it fits.
- You want a secular plan — Presidio is built explicitly on Christian, pro-life principles.
- You need to compare prices online before committing — Presidio doesn't publish rates; you have to request a quote.
- You have a pre-existing condition and need certainty about how it's handled — Presidio doesn't publish pre-existing terms in its consumer materials, so confirm directly before assuming coverage.
- You want the lowest possible monthly cost — as regulated insurance, Presidio is unlikely to undercut health sharing plans like CHM ($115–$299/mo) on price.
Frequently Asked Questions
Is Presidio Healthcare insurance or health sharing?
It is real, regulated health insurance — not health sharing. As an insurer, Presidio is legally required to pay covered claims and is backed by state insurance regulation. Health sharing ministries are voluntary cost-sharing arrangements exempt from ACA insurance regulation, with no guaranteed claims payment.
How much does Presidio health insurance cost?
Presidio does not publish rates on its consumer marketing materials — pricing is quote-based and depends on age, location, and plan option. Published details: $0-deductible options exist, and members pay 50% of costs up to an annual out-of-pocket maximum (half of the used maximum rolls over at renewal).
Is Presidio Healthcare available outside Texas?
Not yet. Presidio currently only sells FortressPlan in Texas, with stated plans to expand into Florida, Indiana, Georgia, North Carolina, and Ohio — no confirmed launch date for those states.
What is the difference between Presidio and Medi-Share?
Presidio is regulated Christian, pro-life insurance available only in Texas. Medi-Share is a Christian health sharing ministry (not insurance) available in all 50 states, with 400,000+ members and a 36-month pre-existing condition waiting period. Outside Texas, Medi-Share is the closer nationwide equivalent — though its payments aren't legally guaranteed the way Presidio's insurance claims are.
Is Presidio legit?
Yes. Presidio is a licensed, state-regulated health insurer, not an informal arrangement — it is legally required to pay covered claims and answers to a state insurance commissioner, which is more oversight than any health sharing ministry carries. The tradeoffs: it only sells FortressPlan in Texas today, and it doesn't publish rates online, so you have to request a quote to see what it actually costs.
How does Presidio compare to other health shares?
Presidio is real, regulated insurance — that's the core difference against every health sharing plan. Medi-Share (400,000+ members, $115–$470/mo, 36-month pre-existing wait), CHM ($115–$299/mo, among the lowest-cost options), and Samaritan Ministries (members share costs directly with one another) are all voluntary cost-sharing communities exempt from ACA insurance regulation, with no state insurance commissioner backing them. Presidio's claims guarantee comes from being licensed insurance, but it's Texas-only today, while all three health sharing plans are available nationwide right now.
Does Presidio cover pre-existing conditions?
Presidio does not publish pre-existing condition terms in its consumer marketing materials — confirm directly before enrolling. For comparison, faith-based health sharing plans typically impose 6–36 month waiting periods, with Zion HealthShare sharing high blood pressure, high cholesterol, and type-2 diabetes from day one.
Who should NOT choose Presidio Healthcare?
Skip Presidio if you live outside Texas today, want a secular plan, need pricing you can compare online before requesting a quote, or need pre-existing condition coverage confirmed before enrolling. In those cases, a nationwide health sharing ministry or an ACA marketplace plan is the more practical option right now.