Health sharing prices (2026)
Health sharing is not insurance. Health care sharing ministries and sharing communities are not insurance. They are not regulated as insurance, payment of your medical bills is not guaranteed, ACA tax credits and protections do not apply, and pre-existing conditions are often limited or excluded.
Health care sharing ministries and sharing communities are membership programs: members send a monthly amount, and the program shares eligible medical bills after you pay an initial unshared amount (IUA) for each medical need. Their prices are the same nationwide, which is why we show them next to marketplace insurance on every state and county page.
What to know before comparing
- No guarantee: sharing is voluntary; programs can decline to share a bill.
- No legal out-of-pocket cap: each new medical need can mean paying the IUA again. Our "one-need bad year" counts one need only.
- Pre-existing conditions are often excluded or limited, sometimes for years.
- No ACA tax credits, and you do not get ACA protections.
- Membership rules: many require a statement of faith or lifestyle commitments.
Prices for one adult, age 40
| Program | Option | Monthly | You pay first | One-need bad year | Sharing limits | States | Verified |
|---|---|---|---|---|---|---|---|
| Christian Healthcare Ministries | Bronze | $115 | $6,000 | $7,380 | $125,000 per illness (more with CHM Plus add-on) | None stated on page | Verified |
| Christian Healthcare Ministries | Silver | $169 | $3,000 | $5,028 | $125,000 per illness (more with CHM Plus add-on) | None stated on page | Verified |
| Liberty HealthShare | Essential (single, 35-49) | $180 | $4,000 | — | $600,000 per incident | None stated | Verified (co-share cap unverified) |
| Samaritan Ministries | Basic (age 40-54, 1 person) | $185 | $2,000 | $6,720 | $500,000 per need (needs starting on/after Sep 1, 2026) | None stated | Verified (co-share max from earlier Basic page) |
| Zion HealthShare | Direct, $5,000 IUA (40-49, member only) | $188 | $5,000 | $7,256 | Not captured | Excludes MD, MA, PA, MT | Verified price (PDF); exclusions partly unverified |
| CrowdHealth | Standard (ages 0-54), max monthly | $200 | $500 | $2,900 | No maximum stated (crowdfunded, not guaranteed) | None stated | Partly verified (FAQ search snippet) |
| Zion HealthShare | Direct, $2,500 IUA (40-49, member only) | $214 | $2,500 | $5,068 | Not captured | Excludes MD, MA, PA, MT | Verified price (PDF); exclusions partly unverified |
| Sedera | SELECT+, $5,000 IUA (30+, member only, eff. 4/1/26) | $233 | $5,000 | $7,796 | Not captured | "May not be available in all states" (list not published) | Verified price (PDF) |
| Liberty HealthShare | Connect (single, 35-49) | $241 | $1,000 | — | $1,000,000 per incident | None stated | Verified (co-share cap unverified) |
| Sedera | SELECT+, $2,500 IUA | $251 | $2,500 | $5,512 | Not captured | "May not be available in all states" | Verified price (PDF) |
| Zion HealthShare | Direct, $1,250 IUA (40-49, member only) | $254 | $1,250 | $4,298 | Not captured | Excludes MD, MA, PA, MT | Verified price (PDF); exclusions partly unverified |
| Christian Healthcare Ministries | Gold | $299 | $1,250 | $4,838 | $125,000 per illness (more with CHM Plus add-on) | None stated on page | Verified |
| Sedera | SELECT+, $1,000 IUA | $309 | $1,000 | $4,708 | Not captured | "May not be available in all states" | Verified price (PDF) |
| Liberty HealthShare | Unite (single, 35-49) | $312 | $1,000 | $4,744 | $1,000,000 per incident | None stated | Verified |
| Samaritan Ministries | Classic (age 40-54, 1 person) | $330 | $1,000 | $4,960 | $500,000 per need (needs starting on/after Sep 1, 2026) | None stated | Verified |
| Sedera | SELECT+, $500 IUA | $437 | $500 | $5,744 | Not captured | "May not be available in all states" | Verified price (PDF) |
| Knew Health | Individual, range (quote-based) | Quote only | — | — | Not captured | Excludes CA, IL, MD, NY, OR, PA, VT, WA | UNVERIFIED (third-party source; $178-$379/mo) |
| Medi-Share | All (quote only) | Quote only | — | — | Not captured | Not captured | UNVERIFIED (no public price; quote only) |
Checked October 2026 on each program's own site or rate sheet, unless marked unverified. Sorted by monthly price; payment never changes this order.
How we make money: We have no affiliate links or paid placements yet. Payment never changes the order of any table or which option is labeled lowest. Disclosures