Medi-Share Review
America's premier health sharing community
Last verified: March 1, 2026
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.
👥 Who Medi-Share is Best For
- 👨👩👧👦 Families with children looking for comprehensive, family-friendly coverage
- Large Groups
- Those Who Want Structure
Rating Breakdown
Pricing & Costs
$65/mo with Health Incentive, up to $1,079/mo for families
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 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
📋 How the Claims Process Works
- Receive Medical Care: Visit any provider (check network for discounted rates). Pay your provider directly.
- Pay Your IUA: Cover your Initial Unshareable Amount (deductible) out-of-pocket first: $1,750–$10,500.
- Submit Bills: Send your eligible medical bills to Medi-Share via their online portal or mobile app.
- Review Process: Medi-Share reviews your bills for eligibility based on program guidelines (typically 15-30 days).
- Community Shares: If approved, the community shares (pays) your eligible medical expenses up to Up to $1,000,000 per incident per incident.
Important: Health sharing is not insurance. There are no legal guarantees that your bills will be paid. Sharing is based on program guidelines and community participation.
⏳ Pre-Existing Conditions Policy
Medi-Share has a 36-month waiting period for pre-existing conditions. This means:
- Waiting period: Medical expenses related to pre-existing conditions are not eligible for sharing during the first 36 months of membership.
- After waiting period: Once the waiting period is complete, eligible expenses related to pre-existing conditions may be shared according to program guidelines.
- What qualifies: A pre-existing condition is any illness, injury, or medical condition for which you received treatment, diagnosis, or advice in the 12 months before joining.
This is standard across most health sharing programs and differs significantly from ACA-compliant insurance, which must cover pre-existing conditions immediately.
Ready to Join Medi-Share?
Visit their website to see current pricing for your household and get started.
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