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MediShare Plans
By Misty Berryman – Updated Jan 19, 2024
Reviewed by Christine Corsini – Fact checked by Leslie Jablonski

Join the hundreds of thousands of members that 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.

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

MediShare has now over 250,000 members and more than $1.7 billion dollars in medical bills have been shared and discounted.

Read How MediShare Works

MediShare is Accountable
MediShare plan members vote on the guidelines.
Medi-Share plans are Affordable


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



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

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


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.

Medi-Share Plans are Available All Year-Round

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.


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Member Benefits of MediShare Plans

MediShare Plan Discounts
MediShare plan members can get discounts on vision, hearing, and dental services.
24/7 Access to Providers

24/7 Access to Providers

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



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

Frequently Asked Questions (F.A.Q.) – View Story

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.

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.

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.

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.

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.

Q: Is MediShare cheaper than health insurance?

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

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.

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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.

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.

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.

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.

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.

MediShare Pros and Cons

Thinking of switching to Medi-Share? Here are some of the pros and cons:

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 Medi-Share coverage by integrating the HSA MEC from HSA for America.

Tailored to enhance Medi-Share’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.


Get a Free Quote on All the Available MediShare Plans and Join Now!

Join the hundreds of thousands of MediShare plan members that have discovered MediShare works for their family’s healthcare needs. Fill in the form below to get a MediShare quote!

To get a quote and enroll in Medi-Share, choose your state, click the box above, then follow the steps below:

  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.

Questions? Call us today, and a Personal Benefits Manager will walk you through the process.

Read Medi-Share Reviews

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Rated 4.0 out of 5
4.0 out of 5 stars (based on 27 reviews)
5 star45%
4 star33%
3 star11%
2 star4%
1 star7%

Seamless Protection for My Family

Rated 4.0 out of 5
January 6, 2024

MediShare has truly delivered on its promise of reliable and affordable health coverage for my family. The seamless process, from enrollment to accessing medical services, has made our healthcare journey stress-free. The affordability of the plan compared to traditional insurance options is a significant relief. While there’s always room for improvement, our experience has been overwhelmingly positive, earning them a solid four-star rating.

Krugh G

We’re very grateful for this ministry

Rated 5.0 out of 5
October 29, 2023

My husband and I contributed for several years and never had any bills that qualified for sharing. But when my husband fell off a ladder and needed surgery, we submitted the bills. After a little bit of back and forth, Medi-Share paid everything over and above our household contribution. Meanwhile, we saved over $400 every month compared to our previous major medical insurance plan. We’re very happy with Medi-Share and will continue to use them.

Becca L

YAAAAAY Medi-Share!

Rated 5.0 out of 5
October 16, 2023

I got diagnosed with cervical cancer and I was scared out of my mind. Not just because of my health, but financially, too. Medi-Share was there with me every step of the way, and shared costs just as they promised. $64,000 and counting, and I’m cancer-free now! praise Jesus!

Angela S

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

Rated 3.0 out of 5
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

Enjoying the Health Partnership Program

Rated 4.0 out of 5
May 3, 2023

I joined Medishare two years ago. They told me I was overweight (I was, to be honest), and I had to pay another $99 a month for the “Health Partnership Program.” I almost hung up. But I was already saving 200 dollars/month compared to my old health insurance plan, so I trusted God and said OK. Then they assigned me to a trainer… who changed my life forever. She taught me to enjoy exercise, held me accountable. My A1C dropped two and a half points and I lost 48 pounds. Thank you Bea!

Helen H

I like my Medishare!

Rated 5.0 out of 5
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

Not Recommended!

Rated 1.0 out of 5
December 9, 2022

Medi-Share saves money compared to those crazy health insurance premiums. But they’re terrible at everything else. They lost paperwork. It’s hard to get the right person on the phone. They fight you trying to deny claims that should be slam dunks. Now I’ve got two bills in collections and its trashing my credit. Do Not Recommend!

Sam W

Great experience so far

Rated 4.0 out of 5
September 25, 2022

We’ve been with MediShare for a couple of years via my husband’s employer. When my baby was born prematurely, and she had to go to the NICU for a couple of weeks, Medishare came through like a champ!

The only downside for us was that the name is confusing. Hospital staff keep thinking we’re saying “Medicare” and looking at us funny because we’re in our 30s. And when we call new providers asking if they take MediShare they think we mean “Medicare,” and then when we get there we have to explain it all over again. So be prepared for that.

Alicia V

Need to Stay In-Network

Rated 4.0 out of 5
July 28, 2022

My friend has a healthshare plan that you can use anywhere. MediShare makes you stay within their network if you want all your bills to be eligible for sharing. But last year I broke my leg and MediShare took care of the whole thing. I’m going to stay put with them for now.

Curtis L.

Waiting Periods are Too Long

Rated 1.0 out of 5
June 1, 2022

My wife and I have been members for almost 3 years, but MediShare still wont pay for her diabetes costs. We’re going to be looking for a different program to go with.

Stephen R.

A Hassle to Enroll, but Worth the Savings

Rated 3.0 out of 5
May 29, 2022

One thing they don’t tell you is that you have to setup a dedicated bank account just to enroll, and that comes with a fee. I feel like signing up was a bit of a hassle. But I’m in this for the cost savings, so I suppose it was worth it.

Diana K.

Always Reliable

Rated 5.0 out of 5
May 7, 2022

MediShare has always been reliable for me. I just added my new wife and her kids to our sharing plan and it’s been great. We haven’t had to use it much but they’ve always been there for us.

Michael S.

They’ve Stepped Up Their Game with Telemedicine

Rated 5.0 out of 5
April 30, 2022

I feel like MediShare has really stepped up their game with the whole telemedicine thing lately. I had Medishare a few years ago then switched to my work’s plan. Now that I’m working for myself, I’m back on MediShare. Maybe the pandemic had something to do with it but the telehealth benefit is great.

Curtis L.

Our Doctor Doesn’t Take MediShare

Rated 2.0 out of 5
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.

They Clearly Have a Lot of Customers

Rated 4.0 out of 5
January 5, 2022

I’ve had to use my MediShare program a few times now. Both times the customer service was a little on the slow side, but other than that, I think they’re doing a great job. You can use the app to see which medical stuff can be eligible for sharing, so there are never any surprises.

Krystal M.

Probably the best Christian health plan

Rated 4.0 out of 5
December 22, 2021

My wife and I switched to MediShare after it was recommended to us by our pastor. A lot of people in our church are members actually. We were in a health sharing plan a few years ago, but we switched out of it after I got a new job with group care. Turns out, MediShare is still more affordable than what I can get through my company. We’ll probably stick with them from here on out.

Trevor B.

I’m Loving the MediShare App

Rated 5.0 out of 5
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.

One Plan for the Whole Family

Rated 4.0 out of 5
November 27, 2021

We switched over to a MediShare plan because we found out that we could get a single AHP for the whole family. That’s like having a single deductible for everyone, which is saving us a ton of money out of pocket. We really haven’t had to use it much yet, but so far, it’s going great!

Dameon F.

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

Rated 5.0 out of 5
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.

Better Than Being Forced into Obamacare

Rated 5.0 out of 5
October 6, 2021

Both me and my husband work full time, but we’ve never been able to afford health insurance from the marketplace. Without a subsidy, it’s been impossible for us to get covered. Since joining MediShare, we’ve been fully protected, and only paying a small fraction of those other plans.

Kathy M.

They offer one Annual Household Portion per family!

Rated 4.0 out of 5
September 13, 2021

The best thing about MediShare is that we only have one AHP for our whole family. It’s much more affordable than when we had an individual insurance deductible to meet for every one of us. As long as we stick to the network, it’s easy to know how much of our costs are going to be shared, and what kind of costs aren’t qualified.

Leslie T.

The Medi-Share app is awesome

Rated 5.0 out of 5
September 12, 2021

The Medi-Share app is awesome. You can handle all your telehealth appointments right there with your phone, as well as check on whether or not a certain procedure is eligible for sharing. It’s also a lot better than carrying a membership card around.

William B.

Great low cost alternative to Obamacare

Rated 5.0 out of 5
September 7, 2021

Anything is better than being forced into an Obamacare plan that I can’t afford. Medi-Share was the first Christian health plan that I found, and I’ve been sticking with it ever since. I don’t get sick that often, so I’m able to save a lot of money. It can take about thirty days for an expense to be shared, but if you haven’t heard back, just call customer service and they’ll let you know how long it’s going to take.

Sheila H.

MediShare is pretty reliable

Rated 3.0 out of 5
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.

MediShare is a good choice

Rated 4.0 out of 5
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.

Great experience!

Rated 5.0 out of 5
August 14, 2021

I’ve been enrolled with Medi-Share for about 4 years. It’s been a great experience the whole time. It’s not quite the same as traditional insurance, but that’s actually working pretty well for me. This isn’t the first health sharing program that I tried either … There are some out there that aren’t nearly as good when it comes to actually getting your costs shared. My only advice is to make sure you read the member guidelines before you join, so you know exactly what to expect.

Jim M.

Satisfied Medi-Share member

Rated 5.0 out of 5
June 22, 2021

I have been a Medi-Share member for over 4 years. We used it last year for an ER visit, and we use the Telehealth all the time. Everything has been easy, and I really love their strong Christian principles!

Tammi S.

1001-A E. Harmony Rd #519 Fort Collins, CO 80525
Telephone: 800-913-0172
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