Medi-Share has shared more than $8 billion in medical bills since 1993. OneShare Health is a much newer ministry built with insurance-style plan design — visit fees, tier options, and an ISA (Initial Share Amount) that works like a deductible. The comparison comes down to track record versus plan flexibility, and one structural difference that matters more than most people realize.
| Medi-Share (Christian Care Ministry) | OneShare Health | |
|---|---|---|
| Founded | 1993 | — |
| Headquarters | Melbourne, FL | — |
| Monthly price range | $150–$250 (single, 30s, $12K AHP); $450–$650 (couple, 40s); $650–$850 (family of four, 50s) | From $115/mo (individuals, Catastrophic program) |
| Initial unshared amount | Annual Household Portion (AHP): $3,000–$12,000 options | ISA options: $5,000 / $7,500 / $10,000 |
| Per-need sharing limit | No fixed per-need cap published; governed by program guidelines | Classic tiers: $250,000–$1,000,000 lifetime maximum |
| Programs | Individual & family programs with multiple AHP levels; senior programs | Catastrophic, Classic (multiple tiers) |
| Faith requirements | Statement of faith; members share under biblical principles | Statement of faith |
Data verified as of September 2026. Confirm current pricing and guidelines with each ministry directly.
Full Medi-Share profile · Full OneShare Health profile
How the models differ
Medi-Share’s AHP is an annual amount — one bad year means you satisfy it once, and every eligible need in that year shares the same threshold. OneShare’s ISA works per program design with lifetime sharing maximums of $250,000 to $1,000,000 on its Classic tiers. That’s the key structural trade: Medi-Share’s annual AHP resets predictably every year, while OneShare’s lifetime maximum is consumed once and never returns. A single catastrophic illness can exhaust a lifetime cap in a way an annual threshold never does.
Who each one suits
Medi-Share strengths
- Negotiated provider network with automatic member discounts
- AHP options from $3,000 to $12,000 let you tune monthly cost vs. exposure
- The largest sharing ministry: 350,000+ members, $8 billion shared since 1993
Medi-Share watch-outs
- Published pricing examples run higher for couples and families
- AHP is annual — it resets each year even if last year went unused
- Centralized model means less direct member-to-member connection
OneShare Health strengths
- Low published floor: programs start at $115/mo for individuals
- ISA options ($5,000/$7,500/$10,000) to match your budget
- Plan-style tiers feel familiar to people coming from insurance-era coverage
OneShare Health watch-outs
- Lifetime sharing maximums ($250K–$1M on Classic) can be consumed by one serious illness
- Fine print includes visit fees and program-year limits on some services
- A newer ministry with a shorter track record than the veterans
The verdict
If you want a ministry with three decades of shared bills, a nationwide network, and predictable annual thresholds, Medi-Share’s scale is the safer-feeling choice. If OneShare’s lower entry pricing and familiar plan structure fit your budget, go in with eyes open about what a lifetime sharing maximum means for worst-case scenarios. Compare both ministries’ guidelines on the exact services you actually use.
Disclosure: this site is published by Anglican Care, a healthcare sharing ministry. We publish the same data categories for every ministry we cover, including our own — and these comparisons can lead you to another ministry without us. Data verified September 2026; ministries change pricing and guidelines regularly, so confirm current terms before joining.