What Is Christian Medi-Share? Is it Biblical?

by Robert Driskell · Print Print · Email Email

Medi-Share is a Christian alternative to insurance.  It has existed since 1993.  Medi-Share is based on the church model found in the book of Acts and the admonition to bear one another’s burdens found in Galatians 6:2.  This program seeks to take these principles and implement them in a systematic and organized way in order to help the most people possible.  In this day, when our economy is unstable and government controlled healthcare is a reality, Medi-Share has a definite appeal.  Although, it is impossible for me to explain every detail of the Medi-Share program, I will attempt to present the highlights and encourage anyone interested to visit their website for those details (http://mychristiancare.org/).

Applicant Requirements

One of the requirements for acceptance into the Med-Share plan is that the applicant has a valid testimony concerning their personal relationship with Jesus Christ.  The application literature actually states that a minister, who knows the applicant, may be contacted to verify the applicant’s walk of faith.

A summary of the application guidelines is taken from their website (http://mychristiancare.org/eligibility.aspx):

  • Have a verifiable Christian testimony indicating a personal relationship with the Lord Jesus Christ, and profess the Statement of Faith
  • Attend a fellowship of believers, regularly and actively support that ministry, and live under the discipline of that body
  • Share the conviction that believers are to bear one another’s burdens according to Galatians 6:2
  • Believe the biblical doctrine that their bodies are temples of the Holy Spirit and therefore are to be kept pure
  • Must not engage in sex outside of traditional Christian marriage
  • Cannot use tobacco or illegal drugs in any form, or abuse legal drugs or alcohol
  • Be a U.S citizen (those serving abroad as missionaries may qualify) or a permanent resident with a visa or green card and Social Security number who lives full time in the United States
  • The program is open only for non-smoking, legal residents.

How Medi-Share Works

Medi-Share makes it clear that it is not insurance, but a ‘medical bill sharing’ system.  There are seven different options available and the website says that there is one, “…to meet every budget”.  The participant’s cost is based on their household income, the ages of those in the household, and the amount of deductible they choose to pay.  The Medi-Share website says that its program will fulfill the obligations for health care (mandated by the government) going into effect in 2014 (http://mychristiancare.org/guidelines.aspx#IA).

Medi-Share is a Christian alternative to insurance.

Medi-Share is a Christian alternative to insurance.

Medi-Share’s website outlines its program, “Each month, the Members of Medi-Share contribute toward the Eligible Medical Bills of other Medi-Share Members.  As the administrator of the Medi-Share program, Christian Care Ministry facilitates this sharing process by publishing medical bills that are eligible for sharing.  Those bills are paid with the funds of Members who faithfully share” (http://mychristiancare.org/guidelines.aspx#IA).

There is an incentive program to encourage the participants to pursue healthy lifestyle choices.  Members are encouraged to pray for one another.

Some benefits of this program:

– It allows believers to share their resources with like-minded brothers and sisters who share their faith.
– It prevents believer’s resources from being used on un-Godly pursuits.
– It attempts to faithfully follow the guidelines laid out in the Bible for helping one another.
– It is an organized way to help those who need help in a way that does not cause hardships for those who give.
– It is helpful for those without employment or whose employer does not offer insurance.


The Medi-Share website says, “The purpose of Medi-Share is to bring Christians together to share God’s blessings and to share each other’s burdens”.  This is certainly a biblical viewpoint, and one that should be practiced more throughout the Christian community.  A program that consistently seeks to do God’s will in this area could be a great blessing to the Christian community.  For those believers without insurance paid for by their employers, this could be answered prayer.

While this article is not an outright endorsement of Medi-Share, nor has ‘What Christians Want to Know’ taken a position on the integrity of the program, I encourage anyone interested in this type of medical coverage to visit the Medi-Share website (http://mychristiancare.org/).

The website has a much more in-depth explanations than I can give here, it has testimonials from participants in the program, it has calculators to estimate how much you would pay for your family, and answers to many more questions that I’m sure the reader of this article will have.

Most of all, in this decision as in every decision, seek the will of God through prayer and obedience to His will.

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{ 6 comments… read them below or add one }

Mabel J May 13, 2013 at 8:43 am

This is an answered prayer indeed! I will check out their website; but I can’t help but wonder why the government hasn’t interfered with intolerance or racists accusations?! I guess I will find out once I visit the site! Thanks and God Bless! MJ


Robert May 13, 2013 at 2:24 pm

Hi Mabel,
Thank you for reading and commenting. I am sure glad I was able to send some encouragement your way. I learned a lot about this program myself. I really didn’t know much about it before doing the research for the article.
As to your comment about government interference, Medi-Share has been going since 1993, so there either hasn’t been any problems or Medi-Share was able to solve them. Either way, this sounds like a program that Christians should pray for. God bless you, Mabel.
Yours in Christ,


Jack Wellman May 13, 2013 at 12:07 pm

You answered a question for me too on this Robert just as you answered a prayer for Mabel. This is an awesome thing and to see how much you researched it, it appears to be a good thing and something that reminds me of the church in Acts. Thank you for clarifying something that I myself had questions on sir. Well done.


Robert May 13, 2013 at 2:27 pm

Hi Jack,
Thanks for the comment, brother. As I did the research for this article (I really didn’t know much about it until now), I got the impression that it is a very thoroughly thought out venture. I read all the by laws and regulations and they seem to cover most possible scenarios. If I were looking at joining (I’m not right now, because my employer pays for most of my insurance) I would definitely do some more investigation. Although, it seems like if anything were not on the up and up, someone would have made it public by now. God bless you, Jack.
Yours in Christ,


Joe Sewell May 13, 2013 at 9:20 pm

I live literally down the road from Christian Care Medi-Share’s office, and know many of the people who work there. The concept has its good points and its bad points. I am not sure how they are dealing with the Obamacare issues, or even if they have any such issues, since they are not insurance. The monthly payments can vary each month, but I know they are also well familiar with budgeting concepts set forth by people such as Dave Ramsey and Crown Financial.

I do know that the program is not available in at least 2 states, so do check the web site first. That shows that there have indeed been some issues with state governments in the past. In one case the issue was due to the state, not any issue with Medi-Share.

I will say from personal experience that going with them when you have employer-provided insurance is rarely financially sound. They can help, but medical facilities will not treat this as insurance, so you will not get any discounts on services. Another important point to make is that you will often have to pay up-front, as though you are uninsured (unless you are using Medi-Share to supplement insurance), and wait for reimbursement. This can be an issue for many. The extra monthly payments to Medi-Share, in addition to any insurance premiums you may be paying through your employer, can be a financial burden as well.


Robert May 15, 2013 at 9:29 am

Thank you for this information, Joe. I’m sure that it will help those who are considering Medi-Share. God bless you.
Yours in Christ,


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