Medi-Share vs United Refuah HealthShare

Complete head-to-head comparison of features, costs, coverage, and ratings to help you choose the right health share plan.

Feature Medi-Share United Refuah HealthShare
Monthly Cost $65–$1079/mo $219–$519/mo
Initial Unshareable Amount $1,750–$10,500 $2,000–$8,500
Network Type PPO Network No Network
Faith Requirement ✅ Yes ✅ Yes
Overall Rating 4.8/5 4.8/5
Maternity Coverage ✅ ✅
Mental Health ❌ ✅
Telemedicine ✅ ❌
Preventive Care ✅ ❌
Member Count 350,000+ 1,000+
Year Founded 1993 2018

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

United Refuah HealthShare

✅ Pros

  • First and only Jewish health sharing organization
  • No network restrictions - use any provider or facility
  • Exceptionally fast customer service (37-second hold time)
  • Quick claims processing (5-7 days)
  • Up to $1 million sharing per incident
  • Strong focus on community and shared values

❌ Cons

  • Jewish membership requirement limits eligibility
  • 60-day limited sharing period for new members ($25K max)
  • Pre-existing condition restrictions (24-month waiting period)
  • Limited prescription coverage (not for routine maintenance meds)
  • Not traditional insurance - no guarantee of payment
  • Limited preventive care coverage

🎯 Best For

  • Jewish Community
  • Families Seeking Flexibility
  • Those Who Value Fast Service
  • People Who Want Provider Choice
Get a Quote from United Refuah HealthShare → Read Full Review

The Verdict

Choose Medi-Share if...

  • You want the most affordable option (starts at $65/mo)
  • You value telemedicine access

Choose United Refuah HealthShare if...

  • You need mental health coverage

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