As Christians, everything we do is rooted in faith. As Americans, we’re especially blessed to have a healthcare cost option that chooses faith over fear—and that’s exactly what our nation’s founders envisioned. Your CHM membership is a biblical and American tradition.
The freedom to decide how to meet healthcare costs is rooted in the First Amendment, which protects “the free exercise” of religion. Grounded in these constitutional protections and biblical principles, your membership meets your healthcare needs in a way that aligns with your convictions.
Equality spurs opportunity
One of America’s core principles is that all people are created equal, endowed with dignity and value. This principle fosters opportunity by making sure individuals are not excluded from participation in national life based on status or circumstance.
CHM membership is an exercise in religious freedom—Americans voluntarily choosing to unite and share one another’s healthcare costs without complex barriers.
Membership is open to any Christian, regardless of background or income, who is living according to biblical teachings, and who accepts the ministry’s Statement of Beliefs. This creates a community where each member has access to financial help and spiritual encouragement in times of need.
Every member participates as both contributor and recipient, reflecting the biblical call to bear one another’s burdens. CHM in practice creates real opportunity for all who choose to participate.
Consent is voluntary, not contractual
America’s system of government rests on the consent of the governed. Citizens participate willingly, not under coercion. CHM reflects this principle through its voluntary, non-contractual structure.
CHM is a faith-based community of people freely deciding to support one another in meeting healthcare costs. Participation isn’t enforced through legal contracts but through shared commitment and personal choice. This voluntary consent builds trust and accountability.
Members agree to follow the CHM Guidelines, understanding that these shared standards make the ministry effective, fair, and consistent. Even so, participation remains rooted in choice—a personal decision to live out both faith and freedom.
The First Amendment protects this kind of freedom, as Americans can practice their beliefs without interference. As Thomas Jefferson described it, religious liberty is “the most inalienable and sacred of all human rights.”
By emphasizing consent over contract, CHM mirrors the founding principle that people flourish when they are free to choose—and are united by shared convictions.
Individual liberty equals individual choice
Individual liberty is a cornerstone of American life—the freedom to make personal decisions without unnecessary interference. At CHM, this principle is seen in the how members approach healthcare.
The First Amendment’s religious freedom affirms individuals’ ability to act according to their beliefs, including decisions on their healthcare costs. CHM members are free to join the ministry at any time and select the program that best fits their needs and to make medical decisions aligned with their values.
Members can also choose their healthcare providers and pursue treatment without the constraints of network restrictions or external mandates. This flexibility means members take ownership of their healthcare decisions.
Rather than a one-size-fits-all approach, CHM supports individualized choices grounded in faith and personal responsibility.
The Constitution limits government power to protect individual rights, including religious liberty. The First Amendment prevents the establishment of a state religion while safeguarding the free exercise of faith.
By maintaining clear separation from government control, CHM protects the right of individuals to participate in health cost sharing without compromising their beliefs.
Checks and balances prove integrity
A defining feature of the U.S. government is its checks and balances on governmental power, which promotes accountability and trust. CHM is similar through both its internal structure and the freedom it preserves for members.
The Guidelines clearly outline how medical bills are shared, how funds are distributed, and how members participate. These standards provide transparency and consistency so that the ministry operates with integrity.
At the same time, CHM exists within a broader framework of religious liberty that avoids excessive entanglement between church and state. This balance helps protect both the ministry’s mission and the rights of its members.
Together, these internal and external checks create a system that reflects both accountability and freedom—principles that strengthen our nation, and our CHM community, built on shared faith.
