We had Medishare 10-12  years ago, before I was full time with USPS.   Went with them only because my wife wanted them and it wasn't good.   We never had a claim, but every time either my wife or I had a birthday our rates increased significantly.   I didn't like all the reasons they could refuse to pay either.    Seemed like they could refuse for any reason or only pay partial amounts.   I was sure happy when I got insurance through USPS with Blue Cross.