The freedom to choose quality care—no network needed!
AN AFFORDABLE OPTION
A faith-based alternative to health insurance.
Anytime enrollment
No network restrictions
Values-based solutions
We’re not insurance
We’re the longest-serving biblical solution to satisfying your medical costs.
“Carry each other’s burdens, and in this way, you will fulfill the law of Christ.” [Galatians 6:2, NIV]
Founded in 1981, Christian Healthcare Ministries (CHM) is the nation’s original health cost sharing ministry. We’re a ministry made for people like you—Christians who expect more from their healthcare.
Our biblical community of members in all 50 states and around the world works together to share (voluntarily pay) the burden of medical expenses as we put Galatians 6:2 in action.
CHM shares 100% of eligible medical bills and overall has satisfied over $11 billion in members’ healthcare costs. With us, you can save on your healthcare without giving up your freedom.
Programs for
every stage of life
With average health insurance costs on the rise, it’s important to evaluate what matters most. However, traditional insurance or healthcare plans aren’t your only option. As an alternative to insurance, CHM has four different flexible programs, each designed with you in mind.
Find your healthcare fit with options for every age or stage of life! Click to compare insurance (or other healthcare options) to CHM’s programs and see how the savings can start stacking up.
“Being CHM members is a God-honoring way to steward our resources and is a trusted way to provide medical care for our families while also helping other believers.”
You deserve more from healthcare.
This Comparison Assumes Gold with CHM Plus
* Average Health Insurance (non-government subsidized).
* Average insurance information provided is for educational purposes only and is based on estimates for premiums.
* Source: Heathcare.gov, USAToday.com, kff.org.
Transparent Pricing
Monthly costs range from $98 to $255, depending on which program you choose.
Experience
40+ years of compassionate service.
No Fees
No application or annual membership fees required.
Independently Accredited
CHM is an independently accredited and federally certified healthcare cost option.
Connecting Christians like you with the right program to stay well.
HOW IT WORKS
Cost sharing made easy
Healthcare cost sharing is a biblically based solution to satisfy your healthcare costs while helping fellow members of the CHM family. Members voluntarily send a monthly contribution to take care of their medical costs while helping fellow believers.
There are no membership restrictions based on age, geographic location, or health history. No member is ever removed from membership, nor is their monthly contribution increased because of an expensive health condition.
- 1Choose a healthcare provider
- 2Submit eligible bills
Answer a few simple questions and upload medical bills within minutes.
- 3Receive funds
Your CHM family takes care of your eligible medical bills. It’s that easy!