Frustrated with rising healthcare costs and limited choices, millions of Americans are choosing to switch from traditional health insurance to more flexible and affordable Christian health sharing. Faith-based health sharing offers an attractive option for people looking to be part of a supportive group of Christians who share similar values, and who strive to live by Biblical principles.  

Because Christian health share programs distribute the cost of medical care across their membership, members can save hundreds of dollars every month. So, it comes as no surprise to learn that faith-based health sharing is rapidly gaining in popularity. As such, today’s Americans have a wide range of Christian health share programs to choose from.  

With so many options, finding the right Christian health sharing option to meet your needs, preferences and budget can be confusing. This quick-look guide makes it easier to compare the top faith-based health sharing programs to see the features, benefits, and downsides of each. 













$35 per visit 


Telehealth option available 

Large PPO Network 

Health Incentive Program 


No cap on shared amount 

Large provider network 

Strict Biblical statement of faith 

May deny pre-existing conditions 

Complex reimbursement process 

Samaritan Ministries 



See any doctor 

No penalty for going out of network 

Discounts for labs and pharmacies available 

Can see any provider 


Moderately affordable 

Self-pay model only covers serious medical issues 


Minor medical issues must be paid out of pocket 





Limited to 6 visits/year 

Large provider network 

Discounts for dental, vision, hearing & prescriptions available 

Discounts available  


Large provider network 

Higher monthly costs 


Limited doctors’ visits 

Liberty HealthShare 



$45 per primary care visit 


$100 for specialty care visit 

Large provider network 

Medical & pharmacy discounts available with select options 

Moderately affordable 


Large provider network 


Discounts available 

Per-incident cap 


Don’t have to be a Christian to participate 

Christian Health Ministries 



Visit any provider 

Choose your own provider 


Moderately affordable 


Choice of provider 


Option for members with higher medical needs 

Members negotiate medical bills and discounts 


Members may have to pay more for medical bills 


Deductibles as high as $5,000 



Doctors’ visits as low as $20 


Access to providers & telehealth services 7 days a week at no extra cost 

Over 1.2 million providers nationwide 


Access to 60,000 pharmacies nationwide 


Ability to earn rewards points to use toward medical expenses 

Multiple programs to fit variety of needs 


No incident or lifetime limits 


Same benefits in and out of state 


Wellness and preventive care for no extra cost 


Long-term illness and accident programs available  

Eligibility for sharing is based on benefits and guidelines 

Table Reference:

Choosing the Right Christian Health Sharing 

When comparing health sharing programs, it is important to look not only at the monthly cost but at the range of other features offered, including flexibility in choosing a provider, telehealth availability, access to pharmacies, available discounts, selection of programs to meet varied needs, and member support. 

If you’re still wondering which faith-based health sharing option is right for you, don’t hesitate to reach out to us. We’ll help you make sense of your choices so you can make an informed decision.