Redeem HealthShare Review
Faith-based sharing from Samaritan Ministries
Last verified: March 1, 2026
Our Verdict
Redeem HealthShare is the newest division of Samaritan Ministries International, launched in 2025. Designed as a modern alternative to traditional health sharing, Redeem offers multiple program tiers with varying co-share percentages and annual caps. The Essential program features a 20% co-share up to $5,000, while Enhanced provides coverage up to $2 million per year. The SeniorSaver program ($116-169/month) is specifically designed for Medicare-eligible members. All programs require Christian membership and a $100 non-refundable startup fee.
👥 Who Redeem HealthShare is Best For
- Samaritan Members
- Christian Families
- Medicare Supplement
- Senior Options
Rating Breakdown
Pricing & Costs
Essential: 20% co-share up to $5K; Enhanced: up to $2M/yr cap; SeniorSaver: $116-169/mo
Coverage Details
| Maternity | ✓ | Maternity coverage available for married members after waiting period |
| Mental Health | ✗ | Mental health coverage not typically eligible for sharing |
| Telemedicine | ✓ | Included |
| Prescriptions | ✓ | Prescriptions related to shareable medical needs are eligible |
| Preventive Care | ✗ | Routine preventive care not typically shareable |
| Dental & Vision | ✗ | Not included in standard sharing |
Network & Requirements
Network Type
Any Provider
No network — use any doctor or hospital
Religious Requirement
Yes
Must be a practicing Christian and agree to statement of faith (Samaritan Ministries requirements)
Waiting Period
None
Pre-Existing Conditions
12-month waiting period
Pros & Cons
👍 Pros
- Backed by established Samaritan Ministries (30+ years)
- Tiered options including SeniorSaver for seniors
- Enhanced program offers $2M annual cap
- Any provider flexibility for maximum choice
👎 Cons
- Christian faith requirement limits eligibility
- $100 non-refundable startup fee
- Essential plan has 20% co-share up to $5K out-of-pocket
- New program with limited track record (launched 2025)
📋 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: $1,000–$5,000.
- Submit Bills: Send your eligible medical bills to Redeem HealthShare via their online portal or mobile app.
- Review Process: Redeem HealthShare 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 $2,000,000 per year (Enhanced program) 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
Redeem HealthShare has a 12-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 12 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 Redeem HealthShare?
Visit their website to see current pricing for your household and get started.
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