About CHM

Founded in 1981, Christian Healthcare Ministries (CHM) is the original healthcare sharing ministry for Christians. CHM is a nonprofit, voluntary cost-sharing ministry through which participating Christians meet each other’s medical bills. CHM members have shared nearly $6 billion in medical bills. The ministry is a 501(c)(3) tax-exempt organization.

Christian Healthcare Ministries is not a health insurance company. Rather, we are a group of hundreds of thousands of Christians across the United States and around the world who share each other’s burdens in the area of healthcare costs. We also pray for and encourage one another.

We have existed as a ministry since 1981. However, our history goes as far back as New Testament times. CHM is based on Galatians 6:2 and Acts 2 and 4.

Also Read: CHM: Who it's for

Integrity & accountability

Since 1981, Christian Healthcare Ministries has served Christians across the United States and in many countries around the world. CHM also is a Better Business Bureau Accredited Charity.

CHM employs the following internal controls:

  • A stringent Board of Directors conflict of interest policy is in place. It requires full disclosure of any ties to CHM and exclusion from discussing or voting on any related topic. The policy has been reviewed and approved by the Internal Revenue Service (IRS).
  • Management and the Board of Directors review regular financial statements and reports on CHM’s financial position. The Board also reviews and approves an annual budget.
  • An annual certified audit is conducted by an outside independent public accounting firm with not-for-profit accounting and auditing experience. It checks all aspects of CHM from the receipt and disbursement of money to the systems and procedures that control operations.
  • Christian Healthcare Ministries employs a highly qualified chief financial officer.
  • CHM implemented and abides by the provisions of the Sarbanes-Oxley Act of 2002, which directly addresses fraud prevention. As a non-profit organization, CHM is not required to take this action, but it does so as an additional safeguard.
  • CHM staff members who receive money do not disburse money.
  • CHM staff members who prepare checks for payment do not sign the checks.
  • CHM staff members who sign the checks do not reconcile bank statements.
    All disbursements—whether from sharing funds or operating funds—are reviewed by the CHM president and the chief financial officer.

For more information on CHM's policies and accountability, see the CHM Guidelines. You can also view the ministry’s 2020 annual report or request financial statements by contacting CHM's financial team.

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