Programs for all

Whether you're single, retired, a growing family, a business, or a ministry, CHM has a program for you.

Find Your Program

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.

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. CHM shares 100 percent of eligible medical bills and overall has satisfied over $10 billion in members’ healthcare costs. With us, you can save on your healthcare without giving up your freedom.

“Carry each other’s burdens, and in this way, you will fulfill the law of Christ.” [Galatians 6:2, NIV]

Programs for
every stage of life

Choose from one of four programs that best fit your needs. At CHM, we work with you to offer flexibility and provide you with a solution that aligns with your Christian values. Wondering which program is right? Answer a few questions to figure out what program is right for you or your family.

“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.”
– Stephen Kendrick, Co-producer of award-winning Christian films

You deserve more from healthcare.

Average Monthly Cost (Individual)
CHM Gold
Average Health Insurance
Average Monthly Cost (Family)
CHM Gold
Average Health Insurance

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:,,

Transparent Pricing
Monthly costs range from $92 to $267, depending on which program you choose.
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.


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.

  1. 1
    Choose a healthcare provider

    The freedom to choose quality care—no network needed!

  2. 2
    Submit eligible bills

    Answer a few simple questions and upload medical bills within minutes.

  3. 3
    Receive funds

    Your CHM family takes care of your eligible medical bills. It’s that easy!