Founded in 1993, Florida-based Medi-Share is a HealthShare administered by Christian Care Ministry. Medi-Share is one of the largest HealthShares in the United States, with over 350,000 members, and has shared and discounted over $9 billion of members’ medical expenses over the last thirty years. The organization is Christian-focused, in which members must attest to a personal relationship with Jesus Christ and commit to their Statement of Faith to qualify for membership.
Health Partners and Health Incentive
Medi-Share places a strong emphasis on the health and well-being of its members. Applicants who are identified as having certain health risks may be enrolled in the Health Partnership program, which is designed to help members improve their overall wellness and reduce the likelihood of preventable diseases. Participants in the program, known as Health Partners, receive access to an online health portal with personalized resources and telephone-based health coaching. Members enrolled in the Health Partners program pay a $99 monthly fee for these services in addition to their regular monthly share. Once a member meets Medi-Share’s health requirements, they graduate from the program and the additional fee is automatically removed. Members who continue to make positive health improvements may also qualify for a health incentive discount.
Alternatively, members who meet annual health standards may apply for a health incentive as a reward for their healthy choices. If approved, they may receive a decreased monthly share amount.
Older members
Rather than aging out at 65, Medi-Share members can opt to join Medi-Share 65+, allowing them to pair their Medicare Parts A and B benefits with a discounted membership, both in terms of the Annual Household Portion (AHP) and the monthly share amount.
Member voting
Medi-Share members may vote on proposed changes to their guidelines. Annually or bi-annually, changes are submitted to the community and put to a member vote. If 67% of members approve of a proposed change to the guidelines, that change will be implemented.
There is also a Medi-Share Steering Committee, composed of Medi-Share members, which operates outside the direct control of CCM and has the authority to make minor modifications to the guidelines for the benefit of the community, as outlined in their guidelines.
Noteworthy
Here is some of the top information we believe potential members might want to know about this HealthShare.
Key considerations
- Members must open a new account with a CCM-designated financial institution to facilitate sharing
- Strict religious membership requirements
Membership requirements
- Members must profess to Medi-Share’s Statement of Faith
- Prospective members need to have abstained from the use of tobacco or illegal drugs for at least the 12 months prior to joining
- The head of household submits medical and lifestyle information for all household members during the application process to determine membership qualifications.
Pros
- Members vote on additions and/or changes to guidelines
- Adoption expenses are shareable
- Membership options for seniors (65+)
- Expenses related to funeral costs are shareable up to $5,000
- Annual physicals with limited labs are shareable
- No yearly or lifetime maximum
- Access to Healthcare Bluebook provides transparency through pricing and provider quality rankings
- Maternity expenses shareable up to $125,000 per single pregnancy
Cons
- Possible additional costs and required forms for out-of-network providers
- Dependents only qualify until age 23 (typical is 26)
- Three-year lookback period for pre-existing conditions
- Prescriptions for pre-existing conditions not shareable, with exceptions to blood pressure and cholesterol controlling medications
Ideal candidates
- Are devout Christians
- Those who are interested in combining HealthShare membership with Medicare
Find out more about Medi-Share in this video
Page Updated 11/14/2025
