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Founded in 1993, Florida-based Medi-Share is a HealthShare administered by Christian Care Ministries. Medi-Share is one of the largest HealthShares in the United States, with over 260,000 members, and has shared nearly $6,000,000,000 of members’ medical expenses over the last thirty years, according to their 2021 annual report. The organization has a Christian-focus, and religious requirements for membership.

Health partners and health incentive

Prospective members who don’t meet Medi-Share’s health standards may be asked to be “health partners.” Health partners have access to online health content and telephone coaching, but are required to pay a monthly fee for the service in addition to their monthly share.

Conversely, members who meet certain annual health standards may apply for a health incentive (note: health partners are not eligible). For those whose applications are accepted, these health incentives come in the form of 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 benefits with a discounted membership, both in terms of Annual Household Portion (AHP) and 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 vote. If 67% of members approve of a proposed change to the guidelines, then that change will be implemented.

There is also a Medi-Share Steering Committee, made up of Medi-Share members, outside the direct control of CCM, which may make minor modifications to the guidelines for the community’s benefit, according to their guidelines.


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
  • Prospective members and dependents provide medical and lifestyle information during application process via online questionnair


  • Members vote on additions, changes to guidelines
  • Adoption expenses are shareable
  • Membership options for seniors (65+)
  • Expenses related to funeral expenses are shareable up to $5,000


  • No preventive care
  • Penalty for using providers, facilities outside of provider network

Ideal candidates

  • Are devout Christians
  • Are seniors interested in combining HealthShare membership with Medicare

Find out more about Medi-Share in this video


 Page Updated 03.01.23

Religious Requirements Strict
Need Processing Time 120 days
Caps Unlimited
Personal Responsibility $3,000, $6,000, $9,000 or $12,000 AHP options
Pre-existing Limitations After 36 months of membership, shareable up to $100,000. After 60 months, shareable up to $500,000.
Pre-existing exception(s) No
Wellness Visit Yes
Preventive Immunizations No
Screening for Mammogram No
Screening for Colonoscopy No
Mental Health No
Provider Network Yes (PPO)
Need Processing Method Reimbursement
Telemedicine Yes
Startup Fee 52.00
Renewal Fee 0.00
Prescriptions Discount Rx - Myrxprice, GoodRX, Needymeds
Maternity Shareable up to $125,000
Membership Size 260,000
Community Start Date 1993


HealthSharing Reviews 167 reviews
2.0 / 5
Google 115 reviews
4.2 / 5
Yelp 37 reviews
1.0 / 5
Better Business Bureau 103 reviews
3.4 / 5
0 1.0 2.0 3.0 4.0 5.0

Medi-Share Options

Medi-Share 65+ Medi-Share
Annual Out of Pocket Max Ages 65-74: $99 AHP; Ages 75+: $150 AHP $3,000-$10,200
Shareable Cost Per Need 100% after AHP Memberships without co-share: 100% after AHP; Memberships with co-share: 70% after AHP, 100% after AHP and co-share maximum
Max Sharing Per Need
Extended Sharing
Doctor's Office Visits $35 visit fee
Hospitalization Yes Yes
Emergency Care Yes; $200 visit fee Yes; $200 visit fee
Prescriptions For 6 months after incident
Maternity $125,000 sharing limit per pregnancy event
Note For Seniors with Medicare Parts A & B
Comment Status
Ping Status
To Ping
Last Modified Date
Last Modified Date (GMT)
Content (filtered)
Mime Type
Comment Count

Maternity: Conception has to be after joining, with maximum amount shared at $125,000.

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Are you or have you been a member of Medi-Share? Please leave a review below so others can get a better sense of what it’s like to be a part of a healthsharing ministry! If you have any questions about Medi-Share, contact us!
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