Sharing ministries don’t have “coverage” in the insurance sense — each ministry’s guidelines define what’s shareable. This matrix shows what we could verify from each ministry’s own published materials as of September 2026. Where a cell says “see guidelines,” that detail lives in the ministry’s member guidelines rather than a public summary page — which is worth knowing in itself.
| Medi-Share | Samaritan | CHM | OneShare | Liberty | Anglican Care | |
|---|---|---|---|---|---|---|
| Provider network access | ||||||
| Telehealth | ||||||
| Maternity sharing | ||||||
| Prescription sharing | ||||||
| Pre-existing conditions | ||||||
| Catastrophic / limit add-on |
See guidelines published in member guidelines — request current terms before joining
The transparency signal
Read the matrix column by column and a pattern emerges: the ministries that have operated longest tend to publish the most specific benefit terms — Samaritan’s guidelines spell out maternity and prescription caps to the dollar, and CHM publishes its pre-existing phase-in and per-illness caps plainly. When you’re choosing a ministry, how clearly it publishes its terms is a real signal about how the relationship will go after you join. A ministry that answers “what happens if my child needs surgery?” with a document you can read before joining is a ministry that respects its members.
What to ask before you join any ministry
- Ask for the current member guidelines — not the marketing summary — and read the shareable categories section.
- Ask how the initial unshared amount resets — annually, per need, or per lifetime. It’s the single biggest cost variable.
- Ask about your actual expected needs — if you’re planning a family or managing a chronic condition, get the sharing terms for that specific scenario in writing.
- Ask how long submitted bills typically take to be shared, and verify the answer with real members.
Disclosure: this site is published by Anglican Care, a healthcare sharing ministry. We apply the same verification standard to our own listing — which is why our cells link to published program terms rather than marketing claims.