Medi-Share
Christian healthcare sharing, explained by an independent broker
What healthcare sharing is
A community approach to medical costs
Members share medical bills
Monthly contributions go into a shared pool. When a member has a qualifying medical need, the community helps cover the cost according to program guidelines.
Guidelines over contracts
Each program publishes its own sharing guidelines — which services are shared, eligibility rules, annual limits, and statements of faith. Review them carefully before applying.
Not insurance
Healthcare sharing is not insurance and isn't regulated like insurance. There is no contractual guarantee of payment. We make sure you understand this before recommending it.
Christian Medi-Share
Medi-Share is one of the largest Christian healthcare sharing ministries. Members share a statement of faith and agree to live by Biblical health principles. In exchange for monthly contributions, the community shares in eligible medical expenses according to Medi-Share's published guidelines.
- No annual open enrollment — apply year-round
- Pre-existing conditions handled per program guidelines
- Community of faith with shared lifestyle expectations
Self-service option · Medi-Share
Apply to Medi-Share yourself
You can apply to Medi-Share directly through our agent link, or contact us first if you'd like to compare healthcare sharing against a traditional ACA plan with subsidies applied — we'll walk through both side by side at no cost.
- Statement of faith and lifestyle eligibility apply
- Monthly share amount based on family size and program tier
- Not insurance — sharing is voluntary, not contractually guaranteed
Opens Medi-Share's enrollment portal in a new tab. The link is tied to our agent attribution, so we stay your broker of record at no extra cost.
Important disclosure
Healthcare sharing is not insurance
Read the guidelines first
Healthcare sharing ministries are not insurance companies and are not regulated as insurance. Membership is voluntary and cost sharing is not guaranteed. Please review each program's sharing guidelines carefully before applying.
Related coverage
Other coverage paths to consider
ACA Marketplace Plans
Traditional insurance with regulated protections, subsidies for most households, and guaranteed coverage for pre-existing conditions.
Learn moreIndividual Health Insurance
All your coverage options if you don't have employer health insurance.
Learn moreShort-Term Plans
Bridge a coverage gap with a fast-approval policy starting as soon as tomorrow.
Learn more
Testimonials
What Our Clients Say
Real people. Real guidance. Real peace of mind.
I can't say enough nice things about Will Murdock and the hours he's spent helping me find the best plan. He sat on hold listening to elevator music for hours getting all the kinks worked out with my Medicare and Medicaid.
Stacey R.
Medicare client · South Carolina
I was looking for new health insurance and ended up with dental and vision too. Will offered different plans that worked for my budget. Finding insurance isn't always easy, but they made it simple.
Brittany P.
Individual & supplemental plan member · South Carolina
Sherri is incredible. In the 12 years I've handled our company's insurance, we were only ever offered the same two paths. She gave us options no previous agent had ever mentioned, worked directly with each employee, and answered every question.
Jill C.
Group benefits decision-maker · South Carolina
Kearah saved my sanity. She helped me navigate a very uncertain period of getting solid coverage — she was on every call with me and even did footwork on my behalf. I'll be calling her for life insurance next.
ILONA
Health & life client · South Carolina
Brandon is a wealth of information. He's personable, easy to talk to, and made the crazy world of Medicare make sense. He's my recommendation for friends and family getting ready to become eligible.
Matt L.
New Medicare enrollee · South Carolina
Sherri reached out to the Chamber to discuss our health plan and found us a plan with a wider range of benefits. Her knowledge of the health insurance market is remarkable, and her customer service is exceptional.
Irmo Chamber of Commerce
Member organisation · Irmo, SC
Brandon is super compassionate with older folks. He guided my mom through her Medicare open enrollment so smoothly. Thanks, Brandon.
Melissa F.
Family caregiver · South Carolina
As a self-employed small business owner, I'd always carried high deductibles and minimal coverage to make insurance work. Sherri found my family a plan with real coverage and was patient with every question I had.
Victoria A.
Self-employed plan member · South Carolina
The owner and employees were extremely knowledgeable in finding us insurance options. Sherri explained everything and answered every question. Kristian was professional and never made me feel like a burden — he was happy to help.
Allison H.
Long-time client · South Carolina
Andrew is amazing at serving his clients. He cares for them from the beginning to the end of the process. I'd recommend him to anyone looking to add health or life insurance.
Joy H.
Health & life client · South Carolina
Following a significant life event and realising my son's health insurance had lapsed, Kearah skillfully found us the right coverage and right on time. Her level of customer service and care is top tier and exactly what I needed during this time.
Alana A.
Long-time client · South Carolina
Andrew Mayne was beyond amazing. I am such a procrastinator and this was the last day to enroll, so I was panicking. Even though I was a mess, he was calm and extremely thorough at explaining everything to ensure I understood and was comfortable with what I chose.
Melanie L.
Insurance client · South Carolina
Andrew has now helped me with my insurance twice. He's thorough and explains all the plan options — pros, cons, the differences. He didn't rush me or make me feel bad for asking more questions. If you're looking for an agent who isn't pushy, you need to call Mr. Mayne.
Kaitlyn F.
Term life client · South Carolina
I can't say I have any belief in anyone dealing with insurance, but Jeff was absolutely amazing for the second year in a row. A two-minute phone call got everything done I needed for my health insurance renewal — the easiest thing I've done. There need to be more like him for people who are overwhelmed and just need one thing to be easy.
Toni B.
Self-employed plan client · South Carolina
Took out a small supplemental policy and Austin treated me as though I was a VIP client. World-class knowledge and customer service.
Andrew A.
Supplemental policy client · South Carolina
Excellent service — very informative on providing me dental and vision for the new plan year. Kearah Vereen is a great asset to this company. Thanks for her support.
Sheleen S.
Dental & vision client · South Carolina
Just got dental insurance and I'm so excited because I need some dental work done. Thank you so much, Kearah, for helping me find the right plan and being kind and understanding through the whole process.
Shelby B.
Dental client · South Carolina
Andrew Mayne helped my husband and I get health insurance after moving to South Carolina from Ohio. He was very helpful with understanding our choices and what would be best for us. Super nice and very knowledgeable. Highly recommend.
Olivia P.
Individual plan client · South Carolina
Absolutely love this company. I tried another insurance company that didn't get me half the benefits this one did. Andrew Mayne helped me find coverage the day I called that met all my requirements. Highly recommend.
Arianna P.
Employee benefits client · South Carolina
They always answer during business hours, and someone is always willing to assist with whatever questions or concerns I may have. They're always pleasant — I've been doing business with them almost three years. Chris is very patient and makes sure policies are understood.
Brian P.
Small business client · South Carolina
Sherri was wonderful to work with — thorough and patient with all of my questions. I cannot recommend Sherri or her company enough.
Savannah G.
Office Manager · Andersons Welding Service
Will was extremely helpful getting us our Medicare A, B, Supplement, and Drug plan. My situation was difficult — I'm handicapped and only qualify for spousal benefits, and my medications are expensive. Will worked hard to find a Part D plan that fit.
Susan S.
Medicare Part D client · South Carolina
Will did a great job helping my wife and I get exactly what we needed. Our situation was a bit out of the ordinary — she's in a wheelchair and on multiple expensive medicines. Will got us into the right Supplement and Drug policies. Two thumbs up from us.
John S.
Medicare Supplement client · South Carolina
Brandon did a great job with our health plans. We're new to South Carolina and both need plans that can be used in New York as well. He knows his job very well — we highly recommend talking to Brandon about your Medicare Supplement plans.
Debby & Don H.
Medicare Supplement clients · South Carolina
Alana is the most helpful insurance agent we have ever dealt with. Always positive, upbeat, and efficient — she is honest and upfront about everything. I would highly recommend anyone calling her for a quote.
Robin M.
Long-time client · South Carolina
Why work with us
Honest guidance on faith-based alternatives
We explain the trade-offs
Healthcare sharing isn't insurance. We explain where it's a strong fit and where the gaps can matter so you go in informed.
Every option compared
Before recommending Medi-Share or any alternative, we compare against your ACA marketplace options with subsidies factored in.
No cost to you
Our guidance is free — carriers and programs pay us. You pay the same whether you use a broker or go direct.
Frequently Asked Questions
Have a question not listed here? Get in touch.
Medi-Share is a faith-based healthcare sharing ministry where members share in each other's medical bills. It is not insurance — it is a voluntary cost-sharing community with its own guidelines, eligibility requirements, and limits. Many families choose it as an affordable alternative to traditional health insurance when they share its statement of faith and lifestyle expectations.
No. Healthcare sharing ministries are not insurance companies and are not regulated the same way. There is no contractual guarantee that your medical bills will be paid — members share costs voluntarily. Benefits, limits, and pre-existing condition rules differ from traditional insurance.
Yes. Unlike the ACA marketplace, healthcare sharing programs generally do not have annual open enrollment periods. You can apply year-round as long as you meet the program's eligibility requirements.
Healthcare sharing can be a strong fit for families who agree with the program's statement of faith, are in reasonably good health, and value the community aspect. It may not be the right fit if you have significant pre-existing conditions, need guaranteed coverage for specific services, or prefer the regulatory protections of traditional insurance. We can walk you through the trade-offs honestly.
Compare your options, free
We help you weigh healthcare sharing against traditional insurance and find what actually fits your family.