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Medical Cost Sharing

Medical cost sharing is often referre to as HealthShare’s, healthcare sharing ministry, and by a few other titiles. At it’s core, it is alternative way to effectively reduce ones overall health care expenses by replacing the need for health insurance. Designed for those who are healthier, a HealthShare will offer a significant lower monthly cost and often out-of-pocket expenses as compared to traditional health insurance. Each community below is unique, and offers a variety of options that can be customized to fit a members needs. We have provided a centralized location for perspective members to compare the different community’s that are available.

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Medical Cost Sharing Universal Highlights: (Some medical cost sharing communities can differ)



  • Teladoc or 24/7 virtual doctor included with membership
  • Available and offered in all 50 states
  • Enroll all year long, No open enrollments
  • Lower cost alternative to traditional medical insurance
  • Medical cost sharing is NOT INSURANCE nor is it offered by insurance company’s
  • Limits & exclusions on pre-existing conditions
  • Best fit for those without serious pre-existing or chronic conditions
  • Compatable with “Direct Primary Care” membership for complete healthcare solution

Learn More Zion Health provides an organized way to share in one another’s medical burdens.  Medical cost sharing is not a new concept but a proven and effective alternative to health insurance.

Zion offers 3 simple plan choicies that include a $1,000 IUA, $2,500 IUA and $5,000 IUA. The IUA is the initial unsharable amount that is paid by members before medical bills are shared with the community. Althrough its similar to a deductible it does work differently. 


  • No sharing limits
  • World wide coverage
  • $10,000 end of life planning
  • No Networks see an provider
  • Work well in conjuction with Direct Primary Care memberships
  • No Religous requirements
  • $50 monthly charge per household if any members uses tobacco
  • Pre-existing coverage phased in years 1-4 of membership

Download Member Guidelines

Learn More The affordable, biblical alternative to health insurance. Medi-Share is a community of Christians who have agreed to live as the early church (Acts 2 & 4) when it comes to sharing each other’s burdens. Members share each other’s eligible medical bills and, most importantly, encourage and lift one another up in prayer. 

With affordable options for individuals, families, and even seniors, it’s worth checking out. There’s even a group program for churches and Christian employers.

Medi-Share is built on a foundation of like ideals agreed upon by our members.

Our membership is made up of Christ-followers who agree with the Statement of Faith.


  • Christian Organization
  • No member may use tobacco
  • Additional cost or membership denial for health risks such as being overweight
  • AHP (Annual Household portion) is the amount members must pay before medical bills are shared with the community
  • AHP options $1,000-$10,500
  • Uses mutliplan PPO network of providers
  • Members must open separate bank account designated by CCM upon enrollment

Member Guidelines

Learn More A welcome solution to traditional health care. Through USA Health plans members can customize more or less comprehensive coverage based on needs and budget. They offer Altrua’s unique Select Silver $2,750 MRA plan. 

Altrua uses MRA (Member responsibility amount) to describe the amount a member must pay before needs are shared with the healthshare community. 

Learn More 

Members that enroll directly with Altrua have options of Copper, Bronze, Silver, and Gold membership.


  • Plans limit $1,000,000 in lifetime needs (Unless extra coverage is added)
  • Cancer coverage is not eligible for sharing in 1st year of coverage. Testing must be performed for older individuals to provide cancer coverage after waiting period
  • Limits and exclusions for maternity
  • PPO Multiplan network of providers
  • Doctor visits limited to $350 in total to be shared with the community
  • Tobacco use not eligible for coverage

* Out of business- As of 2019 Aliera received notices to cease and desist in several states. They have rebranded and are again offering plans through “Ensurian” and “Trinitycare”.

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Learn More 

The members of our healthcare sharing programs don’t only share medical expenses—they also share a commitment to Christian principles and values.

As a like-minded community of health-conscious individuals and families, we support each other in times of need, taking seriously the biblical command found in Hebrews 13:16 to do good and share with others. Principles

Liberty HealthShare is a leader in the growing field of healthcare sharing ministries that offer a different approach to paying for medical care.

Members make an affordable monthly contribution online, which is matched to a medical need within the group. Our large, geographically diverse community commits to supporting each other’s medical expenses after a low annual threshold is met.

Liberty HealthShare offers three different programs to fit members with different resources and circumstances. Compare programs


  • Limit $125,000 or $1,000,000 sharable per incident
  • Simple pricing and membership options
  • Limits on coverage first 60 days of membership
  • AUA (Annual Unsharable Amount) must be met before needs are shared with the community
  • Monthly share amount assigned by each member to other members in the community to share in one anothers needs
  • Provides end of life financial assistance

Learn More Kingdom HealthShare exists to bless others. Three categories of plans to choose from that include, Kingdom Catastrophic, Kingdom Classic, and Kingdom Complete. In total Kingdom offers 7 plan choices for families of all sizes.


  • Multiplan PPO network of providers
  • ISA (Individual Sharing Amount) is the amount members pay before needs are eligble for sharing 
  • Life-time sharing maximum of $1,000,000
  • $60 monthly charge per household if any member uses tobacco
  • No online enrollment must call by phone or enroll with an agent
  • $125 application fee waived if moving from approved healthshare community

Learn More Health care sharing with Samaritan Ministries connects the Body of Christ throughout the nation to help each other with their health care costs. Using a direct health care sharing model, our members have experienced a Biblical and affordable option for their health care needs.

After receiving medical care, the process of getting shares from other members can be started right away and usually takes between sixty to ninety days:

Two membership levels, Samaritan Classic and Samaritan Basic


  • A members monthly share amount is sent directly to other members for medical needs
  • Strigent pre-existing conditons guidelines
  • No networks, members can use any provider


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