If you’ve been searching online for the best Christian health insurance, you’re not alone, but here’s something you may not know: Christian health insurance doesn’t exist. That term gets used a lot, but what people are really looking for is something called a Health Care Sharing Ministry (HCSM).
Let’s break that down, and show you how OneShare Health stands apart as a flexible, faith-based alternative to traditional health care.
What Is a Health Care Sharing Ministry (HCSM)?
A Health Care Sharing Ministry is a community of believers who agree to share one another’s Eligible medical expenses. These ministries are not insurance and don’t operate like insurance companies. Instead, they’re rooted in the biblical call to bear one another’s burdens (Galatians 6:2) and focus on faith, stewardship, and community.
Unlike traditional insurance, which is governed by state and federal regulations, an HCSM is typically exempt from many of those requirements. This allows for lower Monthly Contributions, more flexibility, and a stronger connection to your Christian values.
How Does OneShare Health Compare?
There are several well-known Health Care Sharing Ministries out there, including Christian Healthcare Ministries (CHM) and Samaritan Ministries. While each ministry has its own strengths, OneShare Health offers a unique blend of modern convenience and spiritual purpose that sets it apart.
Here’s how OneShare Health rises above:
Faith-Based, Member-Focused
OneShare Health is a recognized Christian Health Care Sharing Ministry. Every Program is grounded in biblical principles, and Members are encouraged to support each other through prayer and generosity. But OneShare takes that foundation even further by offering Program options that meet you where you are in your budget, your lifestyle, and your health journey.
Flexible Program Options
Whether you’re looking for robust sharing or just peace of mind, OneShare has a Program that fits:
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The Classic Program is ideal for individuals or families who want broad medical needs sharing with predictable Monthly Contributions.
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The Catastrophic Program supports those in good health who want essential protection at the lowest possible Monthly Contribution.
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The Catastrophic365 (CAT365) Program offers a one-year Membership designed for temporary needs—perfect for people between jobs or navigating life changes.
Features That Matter
Where many ministries offer only basic sharing, OneShare Health adds value through extra support that helps you manage your well-being day-to-day:
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24/7 Virtual Urgent Care (Telemedicine) with no extra cost, powered by the Clever Health Smart Virtual Care App
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Mental health support, including licensed counseling, chatbot access, and peer-to-peer resources
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Prescription savings through tools like Rx Valet, Clever Rx, and WellCard Savings
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No enrollment windows, you can join anytime and activate your Membership as soon as the next day
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Freedom to choose your Provider, whether in or out of network
What About the Others?
Other well-known HCSMs like CHM and Samaritan Ministries have strong reputations and offer meaningful alternatives to insurance as well. However, they may not include as many modern features or may place more of the administrative burden on Members, such as negotiating with Providers, arranging discounts on their own, or managing paper-based processes.
While these ministries still reflect Christian values, OneShare Health combines the same biblical mission with modern convenience, digital tools, and unmatched flexibility. That means more freedom, less stress, and real support when you need it most.
| Feature | OneShare Health | Christian Healthcare Ministries (CHM) | Samaritan Ministries |
| Monthly Contribution (Starting At) | $72.99 (Catastrophic), $92.99 (Classic) | $90 (Bronze) | Varies – Approx. $177/month (individual Basic) |
| Program Options | Catastrophic, Classic, Catastrophic365 | Gold, Silver, Bronze, SeniorShare | Classic, Basic |
| Virtual Urgent Care (Telemedicine) | Yes – via Clever Health App, 24/7, $0 cost | Limited – primarily Member guided | Limited – no centralized telemedicine |
| Mental Health Support | Yes – through Clever Health | Not specifically advertised | No |
| Prescription Discounts | Yes – Rx Valet, WellCard, Clever Rx | Limited – mostly for generics | Limited – Member managed |
| Provider Network Access | Yes – First Health Network | No network – member negotiates | No network – freedom of choice |
| Enrollment Restrictions | No Open Enrollment – Enroll Anytime | Enroll Anytime | Enroll Anytime |
| Faith-Based Requirements | Yes – Lifestyle and Statement of Beliefs | Yes – Must agree to CHM Statement of Faith | Yes – Must be a professing Christian |
| Sharing for Pre-Existing Conditions | Yes – Limitations apply | Yes – after 1-year waiting period (Gold) | Some sharing after initial unshareable amount |
| Maternity Sharing | Yes – with limits | Yes – Gold level only | Yes – certain guidelines apply |
| Sharing Cap / Maximums | $150,000–$1,000,000 depending on Program | $125,000 per illness (higher with Brother’s Keeper) | Varies – no defined cap (Basic is 90% shared) |
So, What’s the Best Christian Health Option?
It depends on what you value, but if you're looking for a Christ-centered community that offers flexibility, affordability, and support, OneShare Health may be the right fit.
It’s not insurance, and that’s a good thing.
Ready to Learn More?
Whether you’re tired of rising insurance premiums or just looking for a better way to care for your health while staying true to your values, OneShare Health offers a compassionate, community-based solution.
Get your personalized quote today and speak with a specialist. Your next step toward better health care is just a click away.
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