Christian Healthcare Ministries (CHM) is an budget-friendly, biblical, and compassionate healthcare cost solution for Christians in all 50 states and around the world. We’re not health insurance; rather, we're the first and longest-serving health cost sharing ministry, having shared nearly $5 billion in our members’ medical bills.
CHM is a membership-based, nonprofit ministry through which hundreds of thousands of Christians voluntarily share to pay each other’s medical bills. Choose from one of three programs—Gold, Silver, or Bronze—and add the optional Brother’s Keeper program to protect against catastrophic medical bills.
Members who incur medical costs eligible according to our Guidelines submit their bills to CHM along with a few simple forms. Bills are then shared or reimbursed—usually by way of a check in the mail.
For Maryland residents only: Learn additional information regarding CHM membership for Maryland residents here.
CHM’s monthly financial gifts (monthly costs) range from $78 to $516 depending on which program you choose and how many people are in your family. CHM also has an optional program for catastrophic bills. Use our cost calculator to find out how much you can save!
The New Testament’s direction that Christians carry each other’s burdens (Galatians 6:2) is the foundation of this nonprofit health cost sharing ministry. CHM is a 21st-century representation of how members of the early Christian Church shared to meet each other’s needs (Acts 2 and 4). And it works: members have faithfully shared each other’s healthcare costs since 1981. Learn more about our biblical basis.
As a health cost sharing ministry, CHM isn’t insurance. Here are some unique attributes that enrich your experience as a CHM member:
CHM is a federally certified exemption to the Affordable Care Act. As such, CHM is an eligible option under the national healthcare law. Read more.
We understand that health cost sharing may be a new concept to you, since CHM operates differently from health insurance. See below or visit our FAQs page to find the answers you’re looking for.