MEDICAL SHARING PLANS

    Part of my job is to help you understand what all of your healthcare options are.  If you find health insurance unaffordable, the least expensive solution is Short Term Medical insurance, which I highlight on my STM web page.    Another alternative to going without insurance is to consider a health-sharing organization.   

   It is important to understand that these programs are not insurance.   In short these non-profit organizations pool members monthly contributions (like premiums) each month to pay members medical bills, in an organized way, following their outlined policies.   Each organization works differently.   

   There is a web site that compares 13 different health-sharing organizations.  I do not endorse or recommend this website--it is for informational purposes only and may include bias.

 HealthShare comparison website

    In my other pages I stress health insurance options.  In this page I will highlight Medi-Share, a non-profit, health sharing ministry of Christian Care Ministry (CCM).  You must agree with their statement of Christian faith to join this program.  I exclusively recommend Medi-Share due to their 32 year track record, and my personal experience as a member.   Some of the other Sharing plans do not require a faith agreement to join.

HOW TO LEARN MORE AND ENROLL IN MEDI-SHARE

 Click the link below to request information from Medi-Share.  (Medi-Share pays me referral fee if you enroll in Medi-Share using my link below).

Medi-Share-Request info

WHY DID I JOIN MEDI-SHARE PERSONALLY?

THE MONTHLY SHARING AMOUNT IS RELATIVELY LOW:   

     My cost is currently $377 per month at age 57.   My program holds me responsible for the first $6000 of medical expenses, then Medi-Share will share in my eligible medical bills after that.  Compared with traditional insurance this is saving me $3100 for 2025, and about $5200 for 2026.  I'm in good health, take no medications and have no pre-existing conditions.   Medi-Share has 32 years of experience in sharing claims, so I consider this a pretty good safety net.  They claim to have $400,000 members and have shared more than 7 billion of medical bills since 1993.

A NATIONAL PROVIDER NETWORK:   

    MediShare works with the First Health Network, with over 1 million national providers.  When you see a provider in this network you get a contracted rate of discount off of your bill.  If the provider accepts the First Health Network, they directly bill MediShare for my visit.  MediShare then reaches out to negociate a payment and then pays the provider directly for my medical bills.   My doctor accepts this plan as does the local hospitals I would visit.

Let me state again clearly that Medi-Share is NOT insurance, but non-for-profit ministry of like minded Christians that share each others medical bills under a program since 1993.  If traditional insurance has you priced-out, you may consider this as one of few options available.

Page updated 11/10/25