Health Sharing Plans, Compared Honestly
Families spend hours comparing health sharing plans only to feel more confused. We vetted every option and narrowed it to the ones actually worth considering. Real pricing, real trade-offs, no sales pitch.
Every Option, Compared
Health sharing ministries, crowdfunding, and insurance options compared side-by-side with verified 2026 individual and family pricing
Zion HealthShare
Monthly Cost
$185-$268
Anyone without faith requirements, best overall value
Presidio Healthcare
Monthly Cost
$300-$600
Anyone needing guaranteed coverage, pre-existing conditions, regulatory protection
CrowdHealth
Monthly Cost
$60-$220
Young families; healthy individuals; self-employed; anyone wanting low costs with no coverage caps
Medi-Share
Monthly Cost
$227-$405
Christian families, established community with 30+ years history
Samaritan Ministries
Monthly Cost
$220-$495
Committed Christian members seeking traditional health sharing
Sedera
Monthly Cost
$199-$379
Secular users seeking alternative to faith-based ministries
Three Types of Plans We Cover
Each works differently. Understanding the differences is half the battle.
Health Sharing Ministries
Members pool monthly contributions to share medical bills. Not insurance — voluntary sharing. Costs $185–$495/mo for individuals. 4 plans reviewed.
Learn how it works →Healthcare Crowdfunding
Peer-to-peer bill funding (CrowdHealth). No faith requirement, no caps, month-to-month. Averages ~$140/mo. Newest model — founded 2021.
CrowdHealth vs health sharing →Regulated Insurance
Presidio Healthcare offers actual regulated insurance — guaranteed coverage, pre-existing conditions covered day one. $300–$600/mo. Higher cost, more certainty.
Read Presidio review →Built for Families Making a Real Decision
Verified 2026 Pricing
Individual and family rates pulled directly from each plan's website. We show the real numbers — including the costs that aren't on the front page.
No Affiliate Bias
We don't get paid when you sign up for a plan. Our revenue comes from our premium guidance tools, so our only incentive is to give you the best advice.
Family-First Coverage Details
Maternity, pediatric care, dependent age limits, family IUA caps — the things that actually matter when you're covering more than just yourself.
What Our Users Say
People who used WhichHealthShare to find the right plan for their situation
“I spent weeks researching health sharing plans before finding WhichHealthShare. The quiz matched me with Zion HealthShare in 60 seconds — exactly what I needed as a self-employed graphic designer.”
Sarah M.
Austin, TX
“The comparison table saved me from signing up for a plan that wouldn't cover my pre-existing condition. CHM's 6-month wait was manageable; others wanted 3 years.”
David K.
Denver, CO
“As a non-religious person, I was thrilled to find secular health sharing options I didn't know existed. Now paying $185/month instead of $650 for ACA.”
Rachel T.
Portland, OR
“The honest pros AND cons for each plan is what sets this site apart. Most health sharing review sites are just affiliate farms.”
Mike L.
Nashville, TN
“I switched my family of 4 from Medi-Share to Zion after reading the comparison. Saved $120/month with better coverage.”
Jennifer W.
Charlotte, NC
“Finally, a site that explains the difference between health sharing and CrowdHealth's crowdfunding model clearly. Went with CrowdHealth.”
Alex P.
Seattle, WA
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Frequently Asked Questions
What's the difference between health sharing and insurance?
Health sharing is voluntary. Members pool money to help each other pay medical bills. Insurance is guaranteed regulated coverage. Health sharing is cheaper but not guaranteed. Insurance is more expensive but guaranteed.
What about pre-existing conditions?
Most health sharing ministries have waiting periods (6-12 months). Insurance covers pre-existing conditions from day one. This is a major difference.
Which plan should I choose?
Take our 6-question quiz. It'll recommend the top 3 options based on your household size, budget, health needs, and faith preference.
How do you make money?
All of our research, reviews, and comparison tools are free. We sell premium interactive tools ($20, one-time) that include a scenario calculator, side-by-side plan export, coverage gap analysis, and annual cost projector for families who want to dig deeper before enrolling. We don't get paid by any health sharing plan.
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