Samaritan Ministries Review 2026
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Samaritan Ministries
250,000+
Best for Committed Christian members seeking traditional health sharing
Monthly Cost
from $199/mo
Coverage Cap
$250K/need (Classic; Save to Share above)
Pre-Existing Wait
12 months
Faith Requirement
Christian (Strict)
Samaritan Ministries is a well-regarded plan (4.4★). If you're still comparing, these rate higher in our review and are open to people of faith:
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Overview
About Samaritan Ministries
Samaritan Ministries is an established health sharing ministry founded in 1994, based in Lancaster, PA, with 250,000+ members. Monthly costs range from $199-$365 for individuals and $620-$715 for 2-person households (Aug 2025 Classic rates, by age band), with a $250,000 per-need cap (Classic). Requires strict Christian faith and church attendance. Pre-existing conditions share at 50% for the first year; cancer, heart, and hereditary conditions require 5 years symptom-free; type-1 diabetes is permanently excluded.
At a Glance
Key Facts
- Monthly: $199-$365 individual, $620-$715 couple (2-person), $699-$715 family (3+ household) — Aug 2025 Classic rates by age band
- $250,000 per-need cap (Classic); Save to Share for amounts above
- Strict Christian faith requirement
- 12-month pre-existing wait (50% first year); 5 years symptom-free for cancer/heart/hereditary; type-1 diabetes permanently excluded
- 250,000+ members
The Honest Take
Pros and Cons
What we like
- Established since 1994
- 250,000+ members
- $250,000 per-need cap (Classic); Save to Share for amounts above
- Any doctor
- Maternity covered
Watch out for
- Strict faith requirements
- No telehealth
- 12-month waiting period for pre-existing
- 5-year wait for cancer/heart/hereditary; type-1 diabetes permanently excluded
Coverage
What's Covered
telehealth
prescriptions
maternity
mental Health
dental
vision
preventive
emergency
surgery
Run the numbers for Samaritan Ministries
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Want to see where Samaritan Ministries sits on price vs every other plan? See the 2026 cost index.
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Questions
Frequently Asked Questions
How much does Samaritan Ministries cost per month?
Samaritan Ministries individual plans start at $199/month and go up to $365/month depending on your IUA selection. Family plans start at $699/month. These are 2026 verified rates.
Does Samaritan Ministries cover pre-existing conditions?
Samaritan Ministries does accept members with pre-existing conditions. A waiting or phase-in period applies before pre-existing conditions become fully eligible for sharing. 50% first year. 5 years symptom-free for cancer, heart, and hereditary conditions; type-1 diabetes is permanently excluded.
Does Samaritan Ministries have a faith requirement?
Samaritan Ministries faith requirement: Strict Christian faith and church attendance required. You must meet the faith criteria to become a member.
Head to Head
How Samaritan Ministries Compares
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