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What is Christian Healthcare Ministries?

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.

How It Works Budget-friendly Biblical Compassionate Legal

How it works

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.

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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 ministry and looks for ways to help members. The ministry isn’t a profit-seeking enterprise. Instead, our purpose is to glorify God and serve His people; our members are our sole concern.
  • CHM members are in a covenant—not contract—with each other. Members are Christians living by biblical principles and voluntarily join together to share each other’s medical costs. CHM shares 100 percent of all bills that are eligible according to our Guidelines.
  • Program costs remain the same regardless of your health history; no physical evaluation or medical tests are required to join.

Calculate your cost

CHM members select one of three programs and can opt into the ministry's additional program for catastrophic health events. Get an instant quote and compare program costs for you and your family.


Explore Pricing

We’re so thankful to be part of a ministry that shares other Christians’ healthcare bills. […]Making our monthly financial gift to the ministry is easy and painless when we think about how we’re helping other people.
Derek Cladek Derek Cladek Tarpon Springs, FL
CHM is a ministry, not just a way to meet your healthcare needs. You’re supporting hundreds of thousands of Christians across the country. Our staff have sent prayer cards to other members. It feels incredible to hear that our employees are passionate about being CHM members.
Pine Cove Camp Pine Cove Camp Tyler, TX
The kindness of CHM members helped me realize that I wasn’t alone and that God sometimes shows His love in unexpected ways. I have recommended this wonderful ministry to several families who have since joined CHM.
Tamara Brower Tamara Brower Roswell, GA
The neurosurgeon had biopsy results showing that our sweet Mazy had acute lymphoblastic leukemia. [...] To date CHM has shared over $410,000 after $436,000 in medical bill discounts.
James & April Standring James & April Standring American Fork, UT
This can’t be happening, I thought as I threw myself to the ground and shielded my girlfriend, Jenna, from the bullets that were spraying into the crowd. Moments later, I was hit. […] CHM is where I can best help and be helped by other believers in time of medical financial need.
Jeff Christerson Jeff Christerson Aptos, CA

Have questions? We have answers

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.


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