Medishare Plans

Read reviews, FAQs and get instant quotes on all MediShare plans!

MediShare Plans

By Misty Berryman – Updated Mar 7, 2024
Reviewed by Christine Corsini – Fact checked by Leslie Jablonski

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All You Need To Know About MediShare

Join the hundreds of thousands of members who have discovered MediShare works for their family’s healthcare needs.

MediShare is a healthcare sharing program, which means members share each other’s eligible medical bills. MediShare has now over 250,000 members and more than $1.7 billion dollars in medical bills have been shared and discounted.

It is important to understand that MediShare plans are NOT health insurance. As a Christian Ministry, the concept is  based on the Biblical princple of bearing one another’s burdens.

Accountable

MediShare plan members vote on the guidelines.

Biblical

Based after the Book of Acts where people who are one of heart and mind, aslo shared what they had. Your money is never used to pay for procedures that do not align with your values.

Discounts

MediShare plan members can get discounts on vision, hearing, and dental services.

Affordable

Savings amounting up to 50 percent or more. MediShare plans have options availble that will fit every family and budget. Monthly contribution for families average $350.

Penalty-Free

Anyone who is a member of a Medishare plan is exempt from the requirement to carry health insurance, and is exempt from all Obamacare tax penalties.

24/7 Access to Providers

For non-emergency care, MediShare plan members have 24/7 free access to providers via video or phone.

Community

MediShare plan members support each other and pray for each other when you need it most.

Available All Year-Round

You don’t have to wait for an annual open enrollment period. You can join a MediShare plan at any time.

Flexible

You can choose a provider from one of the largest PPO networks in the country, or use your own provider.

Please refer to the Sedera Membership Guidelines to see the fine print on how needs are shared and what limitations there are.

Any pre-existing condition that has been active or needed treatment within 36 months prior to membership is subject to sharing limitations.

Pre-existing conditions will be eligible for sharing based on how long the member has held membership: 

  • For the first year (12 months), costs related to pre-existing conditions are not eligible for sharing. 
  • For the 2nd year (13 to 24 months), costs are shareable up to $25,000.
  •  For the third year (months 25 to 36), costs are shareable up to $50,000.
  • For fourth year, costs to treat pre-existing conditions are fully shareable.

To make the most of this platform, you’ll want to be sure to take advantage of your Sedera Advisor whenever you have a medical need. They can help you find the right healthcare professionals, negotiate for the best prices, and even save money on surgeries.

Get a Quote & Enroll in MediShare Today

Join the hundreds of thousands of MediShare plan members that have discovered MediShare works for their family’s healthcare needs.


  1. You’ll be asked to enter some basic information about your age, your spouse’s age (if any), your location, and the size of your household. Just follow the prompts at each screen.
  2. Click View Quotes
  3. Pick your start date, confirm your zip code, date of birth, and number of people to be covered.
  4. Choose what Annual Household Portion you would like. This is the amount you pay before Medi-Share starts paying the bills. You can choose $3000, $6000, $9000, or $12000.
  5. If you are a member of a Direct Primary Care (DPC) practice, you can choose the Direct Primary Care option which will also reimburse you up to $1800 for your DPC fees.
  6. Highlight the plan you want, then go to the bottom of the page, and fill in the fields you see.
  7. You’ll be taken to another page to enter the name and info of everyone that will be enrolling.
  8. After submitting this information, you’ll receive an email directing you how to make payment, and submit any further information that Medi-Share may need.

MediShare Pros & Cons

Thinking of switching to MediShare? Here are pros and cons to be aware of.

MediShare Pros

  • MediShare can be much less expensive than traditional health insurance.
  • MediShare is a not-for-profit company, unlike health insurance companies.
  • It’s a faith-based community that operates on Biblical principles.
  • Members of MediShare are encouraged and incentivized to live a healthy lifestyle, and can even get the help of a Health Coach when needed.
  • Medi-Share offers online video conferencing, even for things like prescription refills.
  • Health Care Sharing Ministries like MediShare are audited on an annual basis, so members can be confident about financial stability.

MediShare Cons

  • Members must stay within the PHCS network, or the bill will not receive discounting. Some hospitals and doctors do not accept MediShare at all.
  • MediShare can choose to deny pre-existing conditions
  • MediShare is not an insurance company, which means that members have less state or federal protection.

Boost Your Medi-Share Benefits with HSA MEC

Optimize your MediShare coverage by integrating the HSA MEC from HSA for America. Tailored to enhance MediShare’s community sharing model, our HSA-qualified, preventive-only plan enriches your healthcare savings with impressive tax benefits.

Why Pair Medi-Share with HSA MEC?

  • Tax Savings: Benefit from significant tax deductions and tax-free saving growth.
  • Investment Excellence: Experience the best in tax-favored investment options with HSAs.
  • Healthcare Freedom: Use your funds tax-free for any medical expense, worldwide.

Maximize your Medi-Share plan with the added advantages of HSA MEC.

 

HSA MEC
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Frequently Asked Questions About MediShare

[Health Share FAQ]

MediShare FAQ Icon

Q: What is the deductible for MediShare?

A: Health sharing members do not pay deductibles. Instead, members are responsible for an Annual Household Portion (AHP). Similar to a deductible, the AHP is the amount that must be covered before any additional costs will be eligible for sharing.

Your AHP will depend on the plan options you choose, but can range from as low as $1,000 to as high as $10,500.

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Q: How much does MediShare cost?

A: The cost of your monthly plan with MediShare will depend on several factors. These include your age, location, and number of people that you are enrolling. In most cases, MediShare plans are about half the cost of unsubsidized health insurance.

You can run a free quote on all available MediShare plans at the bottom of this page.

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Q: Who is MediShare for?

A: MediShare’s medical cost sharing plans are people who are tired of paying the steep costs of health insurance. Founded on the biblical ideals of community and generosity, MediShare is the perfect way for all Christ-followers to lower their monthly medical bills.

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Q: What is an “Annual Household Portion”?

A: All MediShare plans come with an Annual Household Portion, or AHP. This is similar to a health insurance deductible, in that it’s the amount that the member must pay before cost-sharing kicks in.

MediShare offers programs with different AHPs, and members can change their AHP at any time for a small fee.

FAQ

Q: Do MediShare members have to use a provider network?

A: MediShare members are highly encouraged to choose a provider that is within the MediShare PHCS provider network. Choosing an out-of-network provider will lead to penalties that will force you to pay more out-of-pocket.

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Q: If I go to the emergency room will I need to pay the bill?

A: MediShare members only need to pay the provider fee, whether it’s for a visit to a doctor’s office ($35) or an emergency room ($200). The remaining bill is then sent to MediShare where they work to discount the price. If the cost is approved and you’ve met your AHP, they’ll take care of the rest of the bill.

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Q: How does Medi-Share work?

A: As a Health Care Sharing Ministry, Medi-Share makes it possible for members to share the cost of each other’s medical bills. It’s an affordable, legal alternative to health insurance available for families, seniors, and even small businesses.

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Q: Is MediShare Christian health insurance?

A: MediShare is not health insurance at all, but rather a form of medical cost sharing. However, MediShare is a Christian ministry that is devoted to the idea of sharing one another’s burdens. All members will be asked to complete a non-denominational Statement of Faith, and agree to some healthy lifestyle commitments.

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Q: Is MediShare cheaper than health insurance?

A: In general, MediShare is much more affordable than both private and ACA health insurance plans.

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Q: How does MediShare work when I need care?

Here’s how MediShare works if you need medical care:

  1. Choose a provider within MediShare’s PHCS discount provider network. Going out-of-network can lead to significant penalties. (In some special circumstances, you can get a penalty waiver).
  2. Pay the provider fee. This is $35 for doctor office visits and $200 for emergency room visits. It’s paid directly to the provider during each visit.
  3. The rest of your bill will then be sent to MediShare. They will then work to discount the bill as much as possible. If your Annual Household Portion (AHP) has been met, MediShare will take care of the rest of the bill. If your AHP has not been met, then you will must pay the provider that amount before cost sharing is approved.

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Q: Does MediShare share for prescription drugs?

A: If you have prescription drugs that are related to the treatment of an eligible medical condition, the costs can be approved for sharing. However, there is a lifetime limit of 6 months of prescription treatment for each unique medical condition.

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Q: What is the MediShare health incentive?

A: All MediShare members have access to the health incentive, which can reduce your monthly share amount by as much as 20%. To qualify, members must meet certain health requirements. These include maintaining a blood pressure of 121/81 or less, a BMI of 17.5-25, and more. To keep getting the discount, members must meet these health standards on an annual basis.

We’ve helped over 16 thousand people find health insurance or a health sharing plan.

Each customer gets the same amazing service.

Lou (Personal Benefits Manager) made me feel comfortable with the new concept of Health Sharing by being himself, honest, and sharing his own experiences.

Neil DeFrancisco, MD

Mike Montes (Personal Benefits Manager) is my go-to referral for my clients.

Daniel DuBois, TN

Misty Berryman (Personal Benefits Manager) was fantastic to work with! I explained our situation/needs to her and she went through a number of options very thoroughly. We (Misty and I) worked through each of our options and determined the best path forward for my family. She is the best and any time we are in need for insurance, she will be our first call!

Travis Lawler, TX

The process of how everything went through the process and with Leslie (Personal Benefits Manager) was great! Things went smoothly and promptly, and all the information I needed was construed concisely.

Ted Chiero, WI

Whitney Kline (Personal Benefits Manager) was amazing and went far above my expectations in customer service. She answered every question and so far everything has been just like she said it would be!!! thank you

Wendy Skeesick, LA

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Read Medi-Share Reviews

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3.9
3.9 out of 5 stars (based on 9 reviews)
5 star34%
4 star33%
3 star22%
2 star11%
1 star0%

Medishare has worked well for us

June 11, 2024

We are a catholic family of 4 and Medishare has worked well for us. They align with our values and we are happy with their service.

Jim M

A great alternative to traditional health insurance

May 2, 2024

MediShare has been a great alternative to traditional health insurance for me. The community support and shared values make it unique. The savings are significant, and the customer service is very responsive. However, the reimbursement process can be slow at times. Overall, I highly recommend it for those looking for a cost-effective healthcare option.

Emily T

My family’s been using Medishare for about three years now

August 4, 2023

We haven’t had any bills big enough to qualify for sharing. But the plan also helps us get discounts on lab tests, prescription drugs, and they have good access to telemedicine. So even without healthsharing any bills we still get some value for our money.

The credit union system they use is a little weird.

Zack B

I like my Medishare!

February 16, 2023

So happy to have Medishare in my life they are a Christian company and share my values and every call ends with a prayer. They share bills just like they promised and the discounts are good.

Amy K
Verified

Our Doctor Doesn’t Take MediShare

March 16, 2022

We signed up only to find out that the provider we use doesn’t accept MediShare at all. Now we have to look for a plan that includes them in the provider network. I guess we should have checked first … lesson learned.

Dan M.
Verified

I’m Loving the MediShare App

December 20, 2021

I take full advantage of telehealth whenever I can because it means that I don’t have to leave the house. The MediShare app makes it easy to track all of my appointments. It also acts as a membership card for anytime I do need to go to the doctor. I can also use the app to see which costs are shared, which helps me out a lot.

Richard V.
Verified

I’m healthy so MediShare saves me a lot of money

November 26, 2021

I’ve been in a lot of different low-cost insurance plans over the years. I don’t like having a high premium, because I stay healthy and barely use my coverage. MediShare is even better than those plans, because the premium is a lot lower, but I’m still staying protected against the big stuff. I’ve only used my MediShare once, so I haven’t hit my AHP yet. But the staff has been great at helping me along the way.

Natalie S.
Verified

MediShare is pretty reliable

August 28, 2021

MediShare’s customer service can be a little slow at times. But other than that, it’s been pretty reliable in terms of having my medical costs shared. There are some Christian health companies out there that are clearly just trying to take advantage of a fad, but MediShare has been around for a while and they’ve got their operation down pat.

Nathan B.
Verified

MediShare is a good choice

August 20, 2021

As far as health sharing programs go, MediShare is probably one of the better ones. As someone who has been in and out of a lot of health insurance plans over the years, it’s good to find an option that finally works. I don’t use my health plan that much, so switching to MediShare actually saved me a ton of money over the last few years. They can be a little slow when it comes to sharing the cost of some procedures, so it’s always faster to check beforehand if it’s pre-approved.

Bill T.
Verified
 

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Telephone: 800-913-0172
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