Medi-Share vs Christian Healthcare Ministries
Complete head-to-head comparison of features, costs, coverage, and ratings to help you choose the right health share plan.
| Feature | Medi-Share | Christian Healthcare Ministries |
|---|---|---|
| Monthly Cost | $65–$1079/mo | $115–$299/mo |
| Initial Unshareable Amount | $1,750–$10,500 | $500–$5,000 |
| Network Type | PPO Network | Any Provider |
| Faith Requirement | ✅ Yes | ✅ Yes |
| Overall Rating | ||
| Maternity Coverage | ✅ | ✅ |
| Mental Health | ❌ | ❌ |
| Telemedicine | ✅ | ✅ |
| Preventive Care | ✅ | ❌ |
| Member Count | 350,000+ | $13B+ shared since 1981 |
| Year Founded | 1993 | 1981 |
Medi-Share
✅ Pros
- Large established community with 350K+ members
- Strong PPO network for negotiated rates
- User-friendly online portal and app
- Includes telemedicine and preventive care
❌ Cons
- Christian faith requirement limits eligibility
- 36-month pre-existing condition waiting period
- Higher monthly costs for older members
- Mental health coverage is very limited
🎯 Best For
- Families
- Large Groups
- Those Who Want Structure
Christian Healthcare Ministries
✅ Pros
- Most affordable health sharing option starting at $115/mo
- Simple 3-tier structure is easy to understand
- Longest track record operating since 1981 with $13B+ shared
- Includes HealthTap virtual care with all plans
❌ Cons
- Christian faith requirement limits eligibility
- 36-month pre-existing condition waiting period
- Mental health is completely excluded
- Lower sharing limits without add-ons
🎯 Best For
- Budget-Conscious
- Individuals
- Simple Plans
The Verdict
Choose Medi-Share if...
- You want the most affordable option (starts at $65/mo)
- You want the higher-rated program (4.8/5 vs 4.5/5)
Choose Christian Healthcare Ministries if...
- Christian Healthcare Ministries better fits your specific needs
- You identify as: Budget-Conscious or Individuals
Want more detail? Read our full reviews: Medi-Share Review · Christian Healthcare Ministries Review
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