What Is Medi-Share, and How Does It Compare to Health Insurance?
Medi-Share is a faith-based healthcare sharing option that can cost less per month than insurance. It works differently from insurance, and a licensed advisor will walk you through the honest tradeoffs, including how pre-existing conditions are handled.
A licensed advisor follows up with your options. Free. No obligation.
Curious about healthcare sharing? Here's the honest picture.
Medi-Share is a way for members of a faith-based community to share one another's medical costs. It often costs less per month than traditional insurance, which is why many families consider it. It's important to understand that it is not insurance and works differently, so we'll explain exactly how it works before you decide.
How healthcare sharing works
Members pay a monthly share. Not a premium.
The money goes toward other members' eligible medical costs, and yours are shared in return.
Eligible costs are shared among members.
When you have a medical bill that qualifies, it's published to the membership and shared.
It's built around a shared set of beliefs.
Members agree to a statement of faith and a set of lifestyle commitments.
Medi-Share compared to health insurance
This is a general comparison. Your advisor will walk you through the specifics for your situation before you decide anything.
The honest tradeoffs
Because it isn't insurance, the protections and the way costs are handled differ from an insurance plan. Pre-existing conditions, in particular, are treated differently, and not every cost is shared. We'll walk you through what is eligible for sharing, what isn't, and how it compares to an insurance plan so you can choose with your eyes open.
It is not insurance.
That distinction matters legally and practically. The consumer protections that come with an insurance contract do not apply here.
Pre-existing conditions work differently.
This is the single most common surprise, and it is the first thing your advisor will check with you.
Not every cost is shared.
There are eligibility rules, and some costs fall outside them. We will show you where the lines are.
Who it fits, and who it doesn't
It may be a good fit if
- You're generally healthy and want lower monthly costs
- The faith-based approach genuinely aligns with how you live
- You understand it isn't insurance and you're comfortable with that
- You have savings to handle costs that fall outside the sharing rules
It may not be a good fit if
- You have a significant pre-existing condition
- You need the legal protections of a regulated insurance plan
- You want certainty that a given cost will be shared
- You aren't comfortable with the membership commitments
There is no wrong answer here. There is only the one that fits your situation. An advisor will help you see it clearly, and will tell you honestly if insurance is the better call for you.
What it costs to talk to us
Nothing. Our help is free, and we're not paid more for steering you one way or the other. If a health insurance plan is the better fit for your situation, we'll tell you that.
Free. No obligation. No flood of calls.
Common questions.
Is Medi-Share worth it in 2026?
How is Medi-Share different from health insurance?
Are pre-existing conditions eligible for sharing?
Is Medi-Share cheaper than health insurance?
Do I have to be religious to join?
What happens if a cost isn't eligible for sharing?
Can I switch from Medi-Share back to insurance later?
Talk to an advisor about your options.
Talk to an advisor about your optionsFree. No obligation. No flood of calls. Or call 855-255-2982.