Christian Health Sharing vs. Traditional Insurance: Is Medi-Share Right for You?

You want to take care of your health—without breaking the bank or compromising your values.

You’ve heard about Medi-Share or other Christian health sharing ministries from a friend or a Facebook group, and now you’re wondering… is this real? Is it legal? Will it actually help me when I need it most?

The truth? Health sharing is not the same as health insurance. But for the right person, it can be a faith-based, community-supported way to handle healthcare costs.

At Mere, we help people understand both sides—so you can make a choice that fits your convictions, your budget, and your health needs

We don’t represent Medi-Share. We help you compare it.

We’re licensed agents and brokers. That means we walk you through the actual differences between traditional insurance plans and alternative options—no hype, no pressure.

What’s the Difference?

Medi-Share & Health Sharing Ministries:

• Not regulated by the government like insurance plans

• Often require a statement of faith and healthy lifestyle

• No guarantee of payment (it’s voluntary sharing)

• Often lower monthly contributions than insurance premiums

• May have longer wait times for reimbursements or provider payments

• Doesn’t cover every type of medical expense (like preventive care or maternity unless guidelines are met)

Best fit for: Healthy individuals and families who align with the organization’s religious values and want a lower-cost option

Traditional Insurance (Marketplace, Group, Private Plans):

• Regulated by state and federal laws

• Includes guaranteed coverage for preventive care, maternity, mental health, and pre-existing conditions

• Can qualify for subsidies based on income

• Payments are guaranteed if claims are approved

• Access to broader provider networks and drug formularies

Best fit for: Those who want regulated protection, have ongoing health conditions, or prefer the security of a formal policy

What Most People Don’t Know:

• Medi-Share is not insurance. That means it doesn’t count as “minimum essential coverage” and may have limitations.

• You may be responsible for 100% of a bill if it’s not approved for sharing.

• Some people find health sharing works really well—but it’s not for everyone.

• If you’re transitioning from Medi-Share to a Marketplace or private plan, you may have to wait for Open Enrollment or a qualifying event.

Here’s the Plan:

1. Schedule a free consultation with our team

2. Share your health, faith, and budget priorities

3. Compare traditional plans and sharing ministries side-by-side

4. Choose what works best for your season of life—with confidence

There’s no one-size-fits-all answer—and that’s okay.

We’ll help you understand the real pros and cons so you can make an informed choice. No guesswork. No gimmicks. Just honest help.

Call or text (904) 654-5450 or visit www.merebenefits.com to get started.

Frequently Asked Questions

Is Medi-Share considered health insurance?

No. It’s a health sharing ministry. That means it doesn’t meet federal definitions of insurance and isn’t regulated the same way.

Will I get a health insurance card and ID number?

You’ll receive a member ID and guidelines, but it won’t work like traditional insurance. Always confirm providers are willing to accept it before receiving services.

Can I use Medi-Share for prescriptions, mental health, or preventive care?

Coverage varies. Some services may not be eligible for sharing. We’ll walk you through what’s typically included and what’s not.

Can I switch between Medi-Share and Marketplace coverage?

Yes, but timing matters. You’ll likely need a qualifying life event or wait for Open Enrollment. Talk with us before making any changes to avoid coverage gaps.