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Health care sharing ministry

Medi-Share, in plain facts.

A large Christian medical cost-sharing program organized around an Annual Household Portion. Not insurance; requires a statement of faith and lifestyle agreement.

  • Listed — no business relationship
  • Facts checked 2025-10

Not insurance

At a glance

Medi-Share

Listed — no business relationship
Health care sharing ministryNot insurance

The largest Christian sharing ministry, with no annual or lifetime limits.

Price
Quote only. Medi-Share’s own example: $362/mo at a $12k household portion. (as of 2025-10; source)
You pay first
Annual household portion $3k / $6k / $9k / $12k; no annual or lifetime limits.
Pre-existing conditions
Up to $100k per year after 36 months; $500k per year after 60 months.
Faith requirement
Statement of faith; a church leader may be contacted.

Legal history: 2010: The Kentucky Supreme Court held Medi-Share was insurance under Kentucky law. Later resolved by a Kentucky safe-harbor law. Source: Insurance Journal. We show this because it may affect whether your bills are shared.

Not insurance. Payment of medical bills is not guaranteed. What that means

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Health sharing notice

Before you decide

See it next to the alternatives.

Profiles are editorial. We don’t publish ratings or reviews we can’t source. Prices and rules change: check the company’s current guidelines and, for insurance, a licensed advisor before you decide. Legal history is summarized from public records and linked to the source.

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