Medi-Share is a biblical, affordable alternative to health insurance for those who share the organization's Statement of Faith and Lifestyle Requirements. Medi-Share is a health care sharing ministry, NOT insurance.

Medi-share Pros

  • Medi-Share is cost-effective because each family contributes a monthly specific dollar amount they choose based on program options
  • Medi-Share members are not subject to the penalty associated with not carrying insurance
  • Membership cannot be terminated for developing a medical condition
  • Medi-Share does not impose annual or lifetime limits
  • Qualified adoption and funeral expenses are covered under Medi-Share
  • Membership is not affected by state of residence or employment status
  • Medi-Share is audited annually by an independent accounting firm to ensure financial stability
  • Medi-Share provides a viable option for those who are looking for an alternative to shopping on the ACA Marketplace

Medi-share Cons

  • Medi-Share is not insurance. It's simply a way to help cover the cost of medical expenses
  • Many states do not consider Medi-Share an insurance company, which means consumers have little or no legal protection if a claim is not paid, coverage is denied, or the ministry goes bankrupt
  • There are certain restrictions and payment caps relating to pre-existing conditions
  • Certain pre-existing conditions, such as diabetes, require a member to pay an additional monthly amount along with standard membership fees
  • Because Medi-Share is a faith-based organization, they have specific rules associated with membership. For example, members are required to attend church regularly, abstain from tobacco and illegal drugs, and attest to a specific statement of faith. For a full list of eligibility requirements, you can visit Medi-Share's online guidelines
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