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 4.8/5 4.5/5
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
Get a Quote from Medi-Share → Read Full Review

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
Get a Quote from Christian Healthcare Ministries → Read Full Review

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

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