Medi-Share
Christian sharing through Christian Care Ministry. Faith and lifestyle standards are material.
- Editorial score
- 73
- Methodology
- 2026.1
- Reviewed
- 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.
Identity and structure
We separate the consumer brand from the organization that actually administers sharing, so two white labels of one program cannot look like two independent choices.
- Consumer brand
- Medi-Share
- Underlying sharing organization
- Christian Care Ministry
- Program administrator
- Christian Care Ministry
- Underlying program group
- ccm-medishare
- Membership standard
- Christian faith and lifestyle standards
- Operating since
- 1993
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
- Anyone needing guaranteed payment
Program facts
- Monthly share
- Varies by household and program. Confirm on the official site.
- Member responsibility (IUA)
- Annual household portion / IUA-style member responsibility. Confirm current amounts.
- Household pricing
- Household-based sharing amounts.
- State availability
- Widely offered; state notices still apply.
- Pre-existing conditions
- Pre-existing needs are often limited or reviewed case-by-case. Do not assume day-one sharing.
- Waiting / phase-in
- Waiting periods apply to some needs.
- Maternity
- Maternity rules are guideline-specific and often include waiting periods.
- Preventive
- Not an ACA preventive-care mandate.
- Prescriptions
- Program-specific. Confirm current literature.
- Virtual care
- May be offered through partners. Confirm current materials.
- Provider access
- Typically any provider, subject to guidelines.
- Limits
- Unshareable lists and caps apply.
- Membership requirements
- Christian statement of faith and lifestyle standards.
- Cancellation
- Ministry membership rules — not an insurance cancellation statute.
How this score was built
| Dimension | Weight | Score |
|---|---|---|
| Sharing scope and material limitations Christian membership with lifestyle and faith attestation. Pre-existing needs are often limited or case-by-case. | 20 | 70 |
| Cost and member responsibility Household share plus IUA-style member responsibility. Amounts are not a quote. | 20 | 72 |
| Transparency and guideline clarity Long-running public ministry site with detailed program literature. | 20 | 74 |
| Member support and advocacy Established member services; faith community model is a feature for some households and a barrier for others. | 15 | 73 |
| Provider access and included services Typically any provider; sharing still follows ministry guidelines, not an insurance network contract. | 10 | 72 |
| Administration and operating history One of the longest-running Christian sharing ministries (publicly dated to the 1990s). | 10 | 86 |
| Evidence freshness and completeness Public site reviewed; specific dollar tables were not copied because they change. | 5 | 68 |
Known limitations
- Faith requirement is a hard filter, not a scoring penalty.
- SourceMedi-Share public siteEffective 2026-08-27Reviewed 2026-08-27