Choosing Christian Health Sharing Plans That Work for You

If you’ve been exploring Christian health sharing plans, chances are you’re probably looking for more than just savings; you want a healthcare approach that fits your lifestyle, reflects your values, and won’t leave you buried in confusing jargon and fine print.

But with so many options out there, how do you know which plan is right for you?

This practical guide walks you through the 5 key questions you should ask before choosing a Christian health sharing plan, plus a breakdown of how WeShare’s programs compare so that you can make a confident, informed decision.

1. Is the plan truly aligned with your faith values?

Some Christian health sharing ministries have narrow eligibility requirements or rigid interpretations of faith. Others are more inclusive while still firmly rooted in Christian values.

WeShare’s Approach:
Grounded in Christian principles of compassion and stewardship, WeShare welcomes members across denominations. You’re not just signing up for healthcare — you’re joining a community built on mutual care and shared responsibility.

2. What’s shared and what’s not?

Every plan will say it’s affordable, but the real test is how much you’re actually on the hook for when the bills actually start rolling in. Beyond monthly costs, it’s important to understand:

• What’s shareable?
• Are preventive services included?
• What’s the member’s financial responsibility?

As you’re looking at how other health sharing ministries answer these questions, we’ve got the WeShare approach here:

WeShare® Comprehensive Plan

• Covers preventive care, hospitalization, maternity, prescriptions & more
• $25 PCP visits, $0 for annual checkups
• Choose from multiple Annual Member Care Share (AMCS) tiers (e.g. $1,000–$12,000 individual / $2,000–$24,000 family)

WeShare Access™ Catastrophic Plan

• Lower monthly costs for major medical needs only
• Preventive care at CVS MinuteClinic included
• Higher AMCS thresholds ($5,000–$10,000 individual/$10,000–$20,000 family)
• Good option for healthy individuals who want protection for the unexpected

3. Can you choose your own doctors?

Some ministries have tight provider networks that limit you to choosing from a small network of healthcare providers. That can mean switching doctors or settling for who is available in the network.

With WeShare, the Comprehensive Plan offers access to the PHCS PPO network, one of the largest in the U.S. You can choose your preferred provider, and you’re not locked into rigid systems. The Catastrophic Plan provides access for major events (hospitalizations) and CVS MinuteClinic for preventive care.

4. Is the process clear and easy to use?

Transparency is another important factor to keep in mind, especially when it comes to health expenses. Some plans bury the details in member handbooks that read like legal contracts.

WeShare keeps things simple:

• Information on contribution tiers is provided upfront
• It’s clear what’s shareable and what’s not
• No bewildering insurance jargon or long wait times to get help
• Real people are available to talk through your questions and options

5. Are there additional wellness or lifestyle perks?

Many people switching to Christian health sharing plans are also looking for a more proactive, preventative, wellness-focused approach. With WeShare, you also get:

• 24/7 virtual urgent care via Amwell
• Mental health support via BetterHelp
• Discounts on fitness, nutrition, dental, and vision (including HelloFresh, Active&Fit, Careington, and more)
• Free access to RightNow Media, Noom and FitBod

Which WeShare Plan Is Right for You?

Choose with Confidence

Choosing the right Christian health sharing plan comes down to your values, your needs, and your season of life. If you’re looking for a plan that’s transparent, flexible, and faith-aligned, WeShare offers two smart, scalable options to fit where you are now and where you want to go.

Ready to find your fit? Compare WeShare plans or talk to a WeShare consultant to get a health sharing plan that’s right for you.