Medi-Share

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.

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

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

• Healthcare sharing ministry
• Medical expense sharing
• Faith-based healthcare
• Health sharing programs
• Christian health coverage

Headquarters

HQ city

Melbourne

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. 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.
2. 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

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core 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

Named customers7 records

Segments3 records

Ideal customer profiles3 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature5 records

Partnerships

Nine partnerships are on record, tiered core and supporting.

• Navitus Health SolutionscoreTechnology or IntegrationPharmacy 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.
• GoodRxcoreTechnology or IntegrationPrescription discount partner collaborating with Navitus to guarantee lowest prescription prices. Automatically applies greater discount at checkout.
• Private Healthcare Systems (PHCS)coreTechnology or IntegrationPrimary PPO network providing access to 1M+ healthcare providers, facilities, and hospitals at negotiated discounted rates.
• First HealthcoreTechnology or IntegrationSecondary PPO network option depending on member location, providing additional provider access nationwide.
• Healthcare BluebooksupportingTechnology or IntegrationCost comparison tool available in member center to compare provider costs and find quality care at best prices.
• Lumicera Specialty PharmacysupportingTechnology or IntegrationSpecialty pharmacy partner providing access to specialty medications at discounted rates for complex conditions.
• CareingtonsupportingTechnology or IntegrationDiscount provider for dental and hearing services, offering member perks and reduced rates.
• DialCarecoreTechnology or IntegrationTelehealth partner providing 24/7 access to board-certified doctors via phone, tablet, or computer for non-emergency care.
• MDLivesupportingTechnology or IntegrationAdditional telehealth provider option for member virtual care consultations.

Scale indicators14 records

Recent moves6 records

Expansion highlights4 records

Broad 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

• YouTubeyoutube.com/channel/UChnw1p1Kx-XGlxkHMDaN7oA
• Facebookfacebook.com/MyChristianCare
• LinkedInlinkedin.com/company/medi-share-
• Instagraminstagram.com/medishare
• Xx.com/ccm_medishare

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Medi-Share