FamiliesLarge GroupsThose Who Want Structure
Founded 1993
400,000+ members
Our Verdict
Medi-Share is one of the largest and most established health care sharing ministries in the United States. Founded in 1993, it connects Christians who share each other's medical bills. Members choose their Annual Household Portion (similar to a deductible) and monthly share amount based on age and household size. Medi-Share uses a PPO network for discounted rates and has a straightforward online portal for managing shares.
Rating Breakdown
Pricing & Costs
Monthly Cost Range
$119–$600/mo
Deductible / IUA Range
$1,750–$10,500
Max Sharing Amount
Up to $1,000,000 per incident
Monthly share varies by age, household size, and Annual Household Portion chosen
Coverage Details
| Maternity | ✓ | Covered after 12-month waiting period; must be married |
| Mental Health | ✗ | Limited coverage for acute mental health episodes only |
| Telemedicine | ✓ | Included |
| Prescriptions | ✓ | Shared when part of an eligible medical incident |
| Preventive Care | ✓ | Annual wellness visit included with some plans |
| Dental & Vision | ✗ | Not included; available as add-on through partner programs |
Network & Requirements
Network Type
PPO Network
PHCS/MultiPlan
Religious Requirement
Yes
Must sign Christian statement of faith and agree to lifestyle guidelines
Waiting Period
None
Pre-Existing Conditions
36-month waiting period
Pros & Cons
👍 Pros
- Large established community with 400K+ 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
Ready to Join Medi-Share?
Visit their website to see current pricing for your household and get started.
Get a Quote from Medi-Share →