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Health Sharing Report

Rankings

Best health-sharing programs

Two lists, kept deliberately separate: our featured commercial partner, and the editorial ranking produced by methodology 2026.1.

Published 2026-08-27

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.

Health Sharing Report has a commercial relationship with MPB Health. We may be compensated when a reader requests an MPB quote. That relationship does not change editorial scores. How we make money.

Featured recommendation

MPB Health

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

Editorial score 75. It is not the top editorial score — CHM scores 76. We are not relabeling that.

Read the review

Editorial ranking

  1. 1CHM

    76 / 100

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

    Category wins: Best faith-based, Longest public operating history

    Best for

    • Christians who want the longest public operating history
    • Larger families comparing per-unit share amounts

    Not ideal for

    • Secular households
    • People who want a single IUA model

  2. 2MPB Health

    75 / 100

    Also our featured commercial partner

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

    Category wins: Best for HSA-oriented designs (provisional)

    Best for

    • Households that want a secular program
    • People comparing IUA options and HSA-oriented designs

    Not ideal for

    • Anyone who needs a legal guarantee of payment
    • People who need ACA essential-health-benefit protections

  3. 3Sedera

    75 / 100

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

    Category wins: Clearest secular guidelines (provisional)

    Best for

    • Secular households
    • Employer/ICHRA comparisons

    Not ideal for

    • Anyone needing a payment guarantee
    • Households that need immediate sharing of known conditions

  4. 4Medi-Share

    73 / 100

    Christian sharing through Christian Care Ministry. Faith and lifestyle standards are material.

    Best for

    • Practicing Christians comfortable with ministry guidelines
    • Households seeking a long-running faith-based community

    Not ideal for

    • Secular households
    • People who will not attest to a statement of faith

  5. 5Liberty HealthShare

    70 / 100

    Christian sharing with faith and lifestyle requirements.

    Best for

    • Christians comparing ministry alternatives to Medi-Share or CHM

    Not ideal for

    • Secular households
    • Anyone needing guaranteed payment

  6. 6CrowdHealth

    67 / 100

    Member-to-member medical funding. Do not treat it as a drop-in replacement for a traditional HSO.

    Best for

    • People who understand event-based member funding
    • Households comfortable negotiating cash-pay rates

    Not ideal for

    • Anyone who wants traditional HSO sharing mechanics
    • People who need predictable sharing rules

Who should not choose health sharing

No ranking on this page changes the fact that some households should buy insurance instead.

Read the disqualifiers