Presidio is currently Texas-only and quote-based. Outside Texas, Medi-Share is the closest paid Christian option on this page. Texas residents who want regulated insurance should compare a direct Presidio quote before choosing health sharing.
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Independent review · Presidio Healthcare reviews · Factual correction October 15, 2026
Presidio Healthcare Reviews (2026)
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. Its FAQ identifies FortressPlan as non-ACA excepted-benefit policies, not comprehensive major medical coverage. Medical underwriting applies and an application can be denied. 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.
Presidio Healthcare sells regulated FortressPlan insurance with $0-deductible options. Members pay 50% of each bill up to an annual out-of-pocket maximum, and half of the used maximum rolls over at renewal. A 12-month lookback can exclude a condition for the first year. Sales are limited to Texas, and no monthly premium is published.
| Published fact | Figure in the plan materials |
|---|---|
| Deductible options | $0-deductible options |
| Member payment on a bill | 50% up to an annual out-of-pocket maximum |
| Out-of-pocket dollar maximum | Not published |
| Rollover | Half of the used maximum rolls over at renewal |
| Pre-existing lookback | 12-month lookback and a first-year exclusion |
| Where it is sold | Texas |
| Monthly premium | Not published |
As of Oct 2026.
Sources
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. Presidio's official FortressPlan FAQ describes non-ACA excepted-benefit policies, not comprehensive major medical coverage. Confirm the benefits and exclusions in the exact policy contract before enrolling.
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.
- Presidio advertises nationwide doctor and hospital access. Its FAQ says non-emergency out-of-network care under the Specified Disease and Accident Policies may leave you with balance bills. Check your provider and the exact policy before treatment.
- 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 — its FAQ describes a 12-month lookback and a first-year exclusion, with a separate first-year pregnancy deductible. Medical underwriting can result in denial; confirm your exact policy terms before enrolling.
- 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.
Looking for a better fit?
Two quick next steps if this plan isn't your match
Presidio sells its FortressPlan only in Texas today, and it does not publish rates, so most readers can't enroll or see a price from this page. If you live outside Texas or want a published monthly cost before you commit, start with one of these.
1. Get matched in about two minutes. The free Advisor compares your household, budget, and faith preference against every plan we track. No email is needed to see results.
Take the free Advisor →2. Want a plan you can join today? Zion HealthShare has no faith requirement, no network (see any doctor), and shares bills for high blood pressure, high cholesterol, and diabetes from day one when the condition is managed and you were not recently hospitalized for it.
Frequently Asked Questions
What do Presidio Healthcare reviews actually cover?
Most Presidio Healthcare reviews — and Presidio health insurance reviews — mix two different products. Presidio FortressPlan is licensed Texas health insurance, not a health sharing ministry. This review keeps that distinction: it is regulated insurance, currently Texas-only, with quote-based pricing Presidio does not publish online. If you were searching for a nationwide health share, Medi-Share, CHM, and Samaritan Ministries are the closer matches.
Is Presidio Healthcare insurance or health sharing?
It is real, regulated health insurance — not health sharing. That is the core difference: 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 and no state insurance commissioner to file a complaint with. Presidio’s official FAQ identifies FortressPlan as non-ACA excepted-benefit policies, not comprehensive major medical coverage. Medical underwriting can result in an application being denied; the exact policy controls covered benefits and exclusions.
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. What is published: $0-deductible plan options exist, and members pay 50% of costs up to an annual out-of-pocket maximum (with half of the used maximum rolling over at renewal). Get an exact quote directly from Presidio before comparing it to a health sharing plan.
Is Presidio Healthcare available outside Texas?
Not yet. Presidio currently only sells its FortressPlan in Texas. The company has said it plans to expand into Florida, Indiana, Georgia, North Carolina, and Ohio, but as of this review it has not confirmed a 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 available in all 50 states, with 400,000+ members and a 36-month pre-existing condition waiting period. If you are outside Texas or want a plan you can join today, Medi-Share is the closer nationwide equivalent — though as sharing, its payments are not 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 does not 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 is 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 is Texas-only today, while all three health sharing plans are available nationwide right now.
Does Presidio cover pre-existing conditions?
Presidio’s official FAQ says conditions for which medical advice, diagnosis, care, or treatment was sought, recommended, or received in the 12 months before coverage are excluded during the first 12 months of coverage. Pregnancy has a separate deductible during that first year. Medical underwriting applies, and an application can be denied based on medical history. Ask Presidio how your condition is treated under the exact policy before enrolling; the policy contract controls.
Who should NOT choose Presidio Healthcare?
Skip Presidio if you live outside Texas today, if you want a secular (non-faith-based) plan, if you need pricing you can compare online before requesting a quote, or if you need coverage confirmed for a pre-existing condition before you enroll. In those cases, a nationwide health sharing ministry or an ACA marketplace plan is the more practical option right now.
What do Presidio insurance reviews usually describe?
Presidio insurance reviews usually describe FortressPlan, licensed Texas health insurance, not a health sharing ministry. This page keeps that distinction and does not recommend Presidio as a health share. Outside Texas, Medi-Share is the closer nationwide option already compared here.