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Health SharingReport

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. 2Samaritan Ministries

    76 / 100

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

    Best for

    • Practicing Christians who want member-to-member sharing
    • Households comparing the three largest historic ministries (Samaritan, Medi-Share, CHM)

    Not ideal for

    • Secular households
    • Anyone who needs a legal duty to pay

  3. 3MPB 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

  4. 4Sedera

    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

  5. 5Zion HealthShare

    75 / 100

    Secular cost-sharing with no faith statement. HSA Secure is this program plus a MEC policy — not a second share.

    Best for

    • Secular households comparing IUA-style sharing
    • Readers who were offered ‘HSA Secure’ and need the underlying program named

    Not ideal for

    • Washington residents — published exclusion
    • Anyone who needs a payment guarantee

  6. 6Solidarity HealthShare

    74 / 100

    Catholic-rooted sharing ministry. The only nationally marketed Catholic HCSM in this catalog. Not insurance.

    Best for

    • Catholics and others who accept Solidarity’s statement of shared beliefs

    Not ideal for

    • Households that will not accept the shared-beliefs statement
    • Anyone needing guaranteed payment

  7. 7Impact Health Sharing

    73 / 100

    Newer Christian share (2020). Non-denominational statement of beliefs. Not insurance.

    Best for

    • Christians comparing newer ministries to the Alliance set

    Not ideal for

    • Anyone needing a long public operating history
    • Secular households

  8. 8Medi-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

  9. 9Knew Health

    71 / 100

    Secular wellness-oriented share. Published state exclusions. Not insurance.

    Best for

    • Secular households comparing Zion, Sedera, and Knew Health

    Not ideal for

    • Residents of published exclusion states
    • Anyone needing guaranteed payment

  10. 10United Refuah

    71 / 100

    Jewish health-care sharing ministry. Claims succession from Maysville Fellowship Medical Aid Plan. Not insurance.

    Best for

    • Jewish households looking for a faith-aligned share

    Not ideal for

    • Anyone needing guaranteed payment
    • Readers treating it as a generic secular share

  11. 11Liberty HealthShare

    70 / 100

    Christian sharing with faith and lifestyle requirements. New Mexico ordered Gospel Light to cease HCSM operations in 2023; members lost a preliminary injunction at the 10th Circuit in 2025.

    Best for

    • Christians comparing ministry alternatives to Medi-Share or CHM

    Not ideal for

    • Secular households
    • Anyone needing guaranteed payment

  12. 12netWell

    70 / 100

    Christian share with named tiers (Advantage, Elite+). Faith statement required. Not insurance.

    Best for

    • Christians comparing tiered memberships in broker channels

    Not ideal for

    • Secular households
    • Anyone needing guaranteed payment

  13. 13Altrua HealthShare

    69 / 100

    Christian cost-sharing administered by Altrua Ministries. Sharing publicly dated to 1996. Not insurance.

    Best for

    • Christians comparing Alliance-member ministries beyond the big three

    Not ideal for

    • Secular households
    • Anyone needing guaranteed payment

  14. 14OneShare Health

    69 / 100

    Christian HCSM with Anabaptist roots. Alliance member. Not insurance.

    Best for

    • Christians comparing Alliance ministries

    Not ideal for

    • Secular households
    • Anyone needing guaranteed payment

  15. 15CrowdHealth

    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