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Resources · The Legacy Letter

Medi-Share

Straightforward explanations of the coverage, planning, and decisions that help protect your family and build your future.
Published · Spencer Legacy Insurance

For some families, the way they approach health care is about more than cost. It can also be a reflection of their faith and convictions.

Medi-Share is a Christian health care sharing ministry—not health insurance. Members contribute toward the eligible medical expenses of other members according to the program’s guidelines. Unlike insurance, Medi-Share does not guarantee payment of medical bills, and its benefits and requirements are different from those of an insurance policy.

Membership includes agreeing to a Christian statement of faith and following the program’s membership guidelines. Unlike Marketplace health insurance, Medi-Share does not have an annual Open Enrollment Period, so eligible households can generally apply throughout the year, subject to current membership requirements. For members on Medicare, Medi-Share 65+ is designed to work alongside Medicare rather than replace it.

There isn’t one right choice for every household. Health needs, budget, faith, and comfort with the program’s guidelines all play a role. If you’re weighing health care sharing against traditional coverage, taking time to understand the differences can help you make a decision that fits your family.

Medi-Share details and FAQ → Health insurance options → More from our newsletters →
Medi-Share is a health care sharing ministry, not insurance. Medi-Share does not guarantee payment of medical bills.

Have Questions About This?

You don’t have to decide anything to start a conversation. We’ll walk through how it works, where it fits, and what it could look like in your situation.
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Spencer Legacy Insurance is an independent, faith-based insurance agency at 828 Lake Avenue Suite C in Gothenburg, in central Nebraska. Independent since 2004, we help families, farms, and businesses with life insurance, health insurance, Medi-Share, Medicare, annuities, long-term care, and the Infinite Banking Concept.

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