- How it works
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Christian Healthcare Ministries (CHM) is a 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 over $8 billion in our members’ medical bills.
Christian Healthcare Ministries 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 $90 to $705, depending on which program you choose and how many family members you add to your CHM membership. CHM also has an optional program for catastrophic bills. Use our cost calculator to see what your monthly financial gift could be!
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: our members have exercised their faith and shared other members’ eligible medical bills 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 members select one of three programs and can opt into the ministry's additional program for catastrophic health events. Get instant, personalized information and compare program costs for you and your family.
Just three weeks after Faith was born, we noticed a cough that grew worse and affected her breathing. The day after Christmas, we took Faith to the pediatrician who immediately admitted her to the hospital. It was such a blessing to have our CHM family on our side through Faith’s birth and during her bout with RSV.
We didn’t have to wait on approvals to receive treatment. The doctor told us what I needed to continue my recovery, and I got it—no referrals, no approvals, no hassle. Thanks to God and CHM, I can get the treatment I need when I need it.
CHM staff put our minds at ease, reminding us that our brothers and sisters in Christ are on our side and faithful to share medical expenses. The members and staff far exceeded our expectations—they’re truly the hands and feet of Jesus in our lives. Their support was a testament to the compassion and reliability of the ministry.
The CHM representatives I worked with were kind and helpful as I prepared for back surgery and later submitted medical bills. CHM’s love reminded me that God was with me. The CHM staff and fellow members were a huge part of God’s provision through prayer and financial support. We feel blessed to be part of this group of Christians who reminded us that God was in the details from the very beginning.
CHM is lightning fast, and it only took minutes to work with CHM staff to understand our next steps when the bills arrived. We are so thankful that we joined CHM! Thank you, CHM, for all you’ve done for our family.
CHM has always been very easy, fair and wonderful—and this incident was no different. [...] CHM shared my COVID-19 medical bills very quickly. I highly recommend CHM!