Medi-Share & Faith-Based Cost-Sharing Programs

A community-based approach to sharing medical expenses — with guidance you can trust.

What Is Medi-Share?

Faith-based cost-sharing programs like Medi-Share are not insurance. Instead, members contribute a monthly “share” into a community pool. Eligible medical bills are paid from that pool according to the program’s guidelines. Many people choose Medi-Share for its affordability, faith alignment, and strong sense of community.

How It Works

  1. Join a Faith-Based Community — Members share a common set of beliefs and agree to program guidelines.

  2. Pay a Monthly Share — Your monthly share is similar to an insurance premium but goes toward other members’ eligible expenses.

  3. Submit Eligible Medical Bills — If approved, your bills are paid from the collective member pool.

  • Lower monthly costs compared to many traditional plans

  • Flexibility in choosing providers (varies by program)

  • Strong sense of community and shared values

  • No-network or broad network options, depending on the program

Potential Benefits

Important Considerations

  • Not insurance — there is no legal guarantee that bills will be paid

  • Pre-existing conditions may have waiting periods or be excluded

  • Certain services (like preventive care, mental health, or maternity) may be limited or require specific conditions to be met

  • Must agree to a Statement of Faith or lifestyle requirements

  • People seeking a faith-aligned alternative to traditional insurance

  • Healthy individuals and families who understand the limitations

  • Those comfortable with guidelines and potential exclusions

Who This May Be Right For

Disclaimer: Medi-Share and other faith-based cost-sharing ministries are not insurance. Program details, monthly shares, and eligibility requirements may change at any time and are subject to each organization’s terms and guidelines.