Christian Sharing solutions are great; however, know the details about Pre-Existing medical conditions. Pre-X is is anything you already know about or have a planned procedure.
CHM is who I use for my health sharing solution and I think their policy on Pre-X is more than fair.
PLEASE NOTE: I have CHM Gold with Brothers Keeper.
Pre-X sharing is limited to $15K the first year of membership in CHM, 2nd year is limited to $25K, 3rd year is limited to $50K then your PreX.
4th year your Pre-X is like every other body part.
100% up to infinity
As a bonus if you do not use any Pre-X the first year they keep stacking so if something happened in year 2 and 3 you have more ability to share.