“I have told many people how CHM members care for one another, not just financially, but also in prayer. Some look at me in disbelief, but I’ve been a part of CHM for more than 15 years and I can attest to the fact that it is unlike any other organization out there. Our God is good.”
Linda Bruno
St. Johns, FL
CHM stands the test of time.
Ministry is who we are and what we do. We—and really, you—have done ministry since 1981, and that’s not going away.
In our 40 plus years of serving, here’s what we’ve seen matters to you.
Biblical foundation
An organization’s values matter. CHM derives its purpose directly from scripture: “Bear one another’s burdens, and so fulfill the law of Christ.” [Galatians 6:2, ESV] As a CHM member, you’re living out this scripture by bearing burdens of one another’s medical expenses.
CHM is a health cost sharing ministry for a reason. Acts 2 and 4 talk about the early church, “who shared everything they had” [NLT]. We can see the work of the Holy Spirit in the hearts of CHM members who come together to share, steward, and glorify God with their resources by willingly giving to fellow Christians. Since 1981, you’ve shared over $12 billion in each’s others medical bills.
“To the glory of God and thanks to the CHM family, we paid our final hospital bill today!
We could not be more grateful to be a part of this ministry. Our God is faithful!”
Ralph and Barb OrcuttMilaca, MN
Financial health
Financial wellness impacts many parts of our lives—our relationships, decisions, physical health, and our relationship with God.
According to Forbes, the average Affordable Care Act marketplace health insurance plan in 2025 costs $590 a month (without subsides) while CHM’s CHM Gold with CHM Plus $287 monthly contribution is less than half. One way CHM’s costs remain low is through provider discounts negotiated by members and CHM. Last year, discounts made up 40% of eligible medical costs submitted to CHM.
Equally important is CHM’s financial health. As a ministry:
- We’ve satisfied 100% of eligible medical bills since 1981.
- More than ninety cents of every dollar goes toward members’ medical bills (The Better Business Bureau’s Standards for Charity Accountability recommend charities spend at least 65% on program expenses).
- Our financial stewardship, integrity, and transparency are demonstrated by being the only health cost sharing ministry to earn third-party accreditation.
Spiritual partnership
A key component of what makes CHM different is our call to ministry, coming alongside you as a compassionate spiritual partner.
CHM staff pray for and with our members over the phone, by email, and on social media. Members pray for each other through our prayer tools. Each month cards of encouragement crisscross the country as members reach out to those requesting prayer. Being a part of the CHM family means you aren’t facing a medical event on your own. The body of Christ is praying with and for you.
“We are new to CHM, but our experience has been a beautiful one. The ability to empower other Christians with spiritual and physical health at the same time has been a paradigm shift. Thank you to all the CHM members who contribute their money, faith, and prayers.”
Jill Lex
McCall, Idaho
Service that’s different—and makes a difference
We’re an alternative approach that values out-of-the box thinking.
Contrary to health insurance, we help you find high-quality healthcare providers, reduce your out-of-pocket costs, and simplify your healthcare experience—so you get the care you need.
For example, CHM Care Solutions are a unique way CHM serves you and your family. They provide specialized care for your body, mind, and spirit, and include areas such as maternity, surgery, cancer, virtual care, and prescriptions.
“I needed hernia surgery and read about Complete Surgical Care Solution, part of CHM’s Care Solutions. I’m so glad I did. They were kind and recommended two different surgeons. They helped me every step of the way. Thank you, CHM, and all the members, for sharing.”
Steve Graber
Branson, Mo.
