Medi-Share
Medi-Share is a faith-based Christian healthcare sharing ministry operated by Christian Care Ministry, Inc., facilitating the sharing of medical expenses among more than 350,000 member families across all 50 U.S. states through individual, family, and senior programs.
- Company typePrivate
- Founded1993
- HeadquartersMelbourne, United States
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
What Medi-Share does
Medi-Share is a Christian healthcare sharing ministry operated by Christian Care Ministry, Inc., a non-profit organization founded in 1993 and headquartered in Melbourne, Florida. The ministry facilitates the sharing of medical expenses among a membership community of more than 350,000 families across all 50 U.S. states, with members contributing monthly "shares" that are redistributed to cover eligible medical bills of other households. Unlike traditional health insurance, Medi-Share operates as a faith-based ministry exempt from Affordable Care Act regulations and not classified as insurance. The membership skews toward Christian consumers seeking alternatives to conventional health coverage and is organized around three principal segments: individuals and families, seniors aged 65+, and self-employed households.
Medi-Share's core product is Medi-Share Complete, an individual and family program offering Annual Household Portion (AHP) options ranging from $3,000 to $12,000 that define the threshold before sharing begins. The portfolio also includes Medi-Share 65+, a senior-focused program priced between $99 and $150 per month. Optional add-on services include Telehealth, Telebehavioral Health, Direct Primary Care, maternity support, and prescription savings. The platform integrates Healthcare Bluebook for cost transparency and partners with Navitus and GoodRx for prescription discount programs, extending member benefits without internal claims-management infrastructure.
The business model is a monthly contribution pool: members remit monthly shares, the ministry pools and remits those funds to other members with eligible medical expenses, and the organization retains an administrative fee. As of September 2025, cumulative medical expenses shared exceeded $9.45 billion, with approximately $877 million shared over the trailing twelve months. The 30-year operating history and faith-based positioning differentiate Medi-Share from both licensed insurers and competing health sharing ministries, supporting durable retention within its addressable faith community while limiting reach into secular consumer segments.
Medi-Share firmographics
Firmographics- Name
- Medi-Share
- Legal name
- Christian Care Ministry, Inc.
- Website
- https://medishare.com
- Company type
- Private
- Founded year
- 1993
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Medi-Share is a faith-based Christian healthcare sharing ministry operated by Christian Care Ministry, Inc., facilitating the sharing of medical expenses among more than 350,000 member families across all 50 U.S. states through individual, family, and senior programs.
- Ownership category
- akta.pro rank
Medi-Share industry classification
Industry- Product category
- Health Care Sharing Services
- NAICS
- Health Care and Social Assistance (62), Social Assistance (624), Services for the Elderly and Persons with Disabilities (624120)
- SIC
- Services-Health Services (8000), Hospital & Medical Service Plans (6324), Services-Social Services (8300)
- akta.pro primary industry
- Faith-Based Healthcare Ministries (Hospitals, Clinics, Medical Missions) (BPAGAJAH)
- akta.pro secondary industry
- Medigap Member Support & Care Navigation (Advocacy/Concierge) (HLAEADAH)
Keywords
Where Medi-Share is headquartered
LocationHeadquarters
- HQ city
- Melbourne
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Medi-Share business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Monthly Member Shares: Members pay monthly share amounts based on age, household size, selected Annual Household Portion (AHP), and location. Shares are deposited into household sharing accounts and used to pay other members' eligible medical bills. This is the primary revenue stream.
- Medi-Share 65+ Monthly Contributions: Seniors aged 65-74 pay $99/month; those 75+ pay $150/month. These contributions go toward sharing in Medicare gaps including deductibles, copays, and coinsurance.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Medi-Share Complete - $3,000 AHP |
| Subscription | Monthly | Medi-Share Complete - $6,000 AHP |
| Subscription | Monthly | Medi-Share Complete - $9,000 AHP |
| Subscription | Monthly | Medi-Share Complete - $12,000 AHP |
| Subscription | Monthly | Medi-Share 65+ - Ages 65-74 |
| Subscription | Monthly | Medi-Share 65+ - Ages 75+ |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
Medi-Share product offering
Product offeringCore offering
Medi-Share operates a Christian health care sharing ministry where members voluntarily share each other's eligible medical expenses in accordance with member-adopted guidelines. The organization, operated by nonprofit Christian Care Ministry, Inc., facilitates monthly share payments among 350,000+ member families and arranges access to a PPO network of 1M+ healthcare providers, telehealth, prescription discounts, and faith-based community support. Members select an Annual Household Portion (AHP) and pay monthly shares in exchange for community sharing of eligible medical bills above the AHP threshold.
Product overview
Medi-Share is a faith-based health care sharing ministry offering a portfolio of programs where members share each other's medical expenses. The core products are Medi-Share Complete for individuals and families (with AHP options from $3K-$12K) and Medi-Share 65+ for seniors with Medicare (starting at $99/month). These are supported by add-on services including 24/7 Telehealth, Telebehavioral Health, Direct Primary Care access, Maternity Sharing, and Prescription Drug Program through Navitus/GoodRx. Members access care through the Member Center platform featuring provider search and Healthcare Bluebook cost comparison. The ecosystem integrates with PHCS/First Health provider networks, Navitus Health Solutions for pharmacy, and telehealth partners DialCare and MDLive.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Members save up to 50% on monthly health care costs
- +4 more outcomes
Companies that use Medi-Share
Customer profileNamed customers7 records
Segments3 records
Ideal customer profiles3 records
Medi-Share technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Feature5 records
Medi-Share partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and supporting.
- Navitus Health SolutionscorePharmacy Benefit Manager (PBM) providing prescription discount services. Average savings of 91% on generic medications and 23% on brand-name medications. Partnership extended with GoodRx to ensure lowest available prices at checkout.
- GoodRxcorePrescription discount partner collaborating with Navitus to guarantee lowest prescription prices. Automatically applies greater discount at checkout.
- Private Healthcare Systems (PHCS)corePrimary PPO network providing access to 1M+ healthcare providers, facilities, and hospitals at negotiated discounted rates.
- First HealthcoreSecondary PPO network option depending on member location, providing additional provider access nationwide.
- Healthcare BluebooksupportingCost comparison tool available in member center to compare provider costs and find quality care at best prices.
- Lumicera Specialty PharmacysupportingSpecialty pharmacy partner providing access to specialty medications at discounted rates for complex conditions.
- CareingtonsupportingDiscount provider for dental and hearing services, offering member perks and reduced rates.
- DialCarecoreTelehealth partner providing 24/7 access to board-certified doctors via phone, tablet, or computer for non-emergency care.
- MDLivesupportingAdditional telehealth provider option for member virtual care consultations.
Scale indicators14 records
Recent moves6 records
Expansion highlights4 records
Medi-Share competitors and assessment
Company assessmentBroad incumbents
- Elevance Health (Anthem): Large diversified health insurer offering ACA plans, Medicare Advantage and Medigap supplements; competes broadly for the same consumers seeking coverage against medical costs but as a regulated, full-stack insurer.
- UnitedHealth Group: Largest US diversified health insurer and benefits company, offering individual, family and senior Medicare plans that broadly overlap with Medi-Share's household and senior coverage segments through regulated insurance products.
- Humana: Major Medicare Advantage and Medigap-focused insurer with a senior-centric product portfolio that competes head-on with Medi-Share 65+ for Medicare-eligible households, though as a regulated insurer rather than a sharing ministry.
Direct peers
- Sedera Health: Medical cost sharing community offering member-to-member sharing of large medical expenses, often distributed through employer benefits and direct-to-consumer channels, broadly comparable to Medi-Share's sharing model.
- OneShare Health: Faith-based health care sharing ministry with Individual & Family, Medicare Complement and other programs — operates a near-identical member sharing model targeting the same Christian consumer segment.
- Liberty HealthShare: Christian health care sharing ministry offering individual, family and senior programs with PPO network access, directly comparable in product structure and faith-based value proposition to Medi-Share.
- Samaritan Ministries International: One of the largest Christian health care sharing ministries in the US, operating a direct member-to-member medical expense sharing model virtually identical to Medi-Share's, serving tens of thousands of households nationwide.
- Zion HealthShare: Faith-based HCSM providing member sharing programs for individuals, families and seniors with provider network access, competing directly with Medi-Share's Complete and 65+ offerings.
- Christian Healthcare Ministries (CHM): A long-standing faith-based HCSM that facilitates member-to-member sharing of medical bills among Christian individuals and families, competing head-to-head with Medi-Share for the same faith-aligned household segment.
- Impact Health Sharing: Faith-based health care sharing alternative offering family and senior programs structured around member contributions and provider networks — directly comparable to Medi-Share's product architecture.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights6 records
Customer concentration
Medi-Share social profiles
Digital presenceMedi-Share compliance and trust
Trust signalCompliance2 records
Medi-Share financial estimates
Financial estimateRevenue estimate
Valuation estimate
Medi-Share leadership team
Management profileNumber of profiles
Medi-Share funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Medi-Share M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Medi-Share
What does Medi-Share do?
Medi-Share operates a Christian health care sharing ministry where members voluntarily share each other's eligible medical expenses in accordance with member-adopted guidelines. The organization, operated by nonprofit Christian Care Ministry, Inc., facilitates monthly share payments among 350,000+ member families and arranges access to a PPO network of 1M+ healthcare providers, telehealth, prescription discounts, and faith-based community support. Members select an Annual Household Portion (AHP) and pay monthly shares in exchange for community sharing of eligible medical bills above the AHP threshold.
Is Medi-Share a public or private company?
Medi-Share is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Medi-Share founded?
Medi-Share was founded in 1993. It employs 501 to 1,000 people.
Where is Medi-Share based?
Medi-Share is headquartered in Melbourne, United States, in the North America region.
How does Medi-Share make money?
Two revenue lines are on record. Monthly Member Shares are the primary driver. The others are medi-Share 65+ Monthly Contributions.
Who are Medi-Share's main competitors?
Broad incumbents on record are Elevance Health (Anthem), UnitedHealth Group and Humana. Direct peers are Sedera Health, OneShare Health, Liberty HealthShare, Samaritan Ministries International, Zion HealthShare, Christian Healthcare Ministries (CHM) and Impact Health Sharing.
Does Medi-Share have an API?
No public API is recorded for Medi-Share.
What industry is Medi-Share in?
Medi-Share's product category is Health Care Sharing Services. Its primary akta.pro industry code is BPAGAJAH, Faith-Based Healthcare Ministries (Hospitals, Clinics, Medical Missions), with a secondary code of HLAEADAH, Medigap Member Support & Care Navigation (Advocacy/Concierge). Its NAICS code is 62 and its SIC code is 8000.