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Health SharingReport

Independent · Sourced · Dated

Health sharing, compared honestly.

Health Sharing Report explains how medical cost-sharing programs actually work, scores them against a published methodology, and tells you plainly when a health share is the wrong answer.

Take the plan-fit assessment→Compare every program

Health sharing is not insurance. Programs are not legally required to pay medical expenses and do not have to provide Affordable Care Act protections. NAIC consumer guidance.

Editorial ranking

How we score, in full

Ranked by score, not by who pays us. Featured placement is shown separately and labeled wherever it appears.

  • CHM76

    Level-based Christian sharing with a personal-responsibility amount per illness.

    Best faith-based · Longest public operating history

  • Samaritan Ministries76

    Christian ministry in which members send shares to other members with published needs. A different administrative shape from pooled-ministry models. Not insurance.

  • MPB Health75

    Secular health-sharing memberships with selectable IUA-style member responsibility. White-labeled variants should map to this underlying program, not appear as separate alternatives.

    Best for HSA-oriented designs (provisional)

  • Sedera75

    Secular sharing with IUA options; common in broker and ICHRA conversations.

    Clearest secular guidelines (provisional)

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