Through His death and resurrection, Jesus mediated a new covenant with God, established on better promises [Hebrews 8:6]. Because of this, we who believe in Him are made right with God. That’s a better convenant for us!
Just as the Bible differentiates between an old and new covenant, CHM offers you health cost sharing, a “new,” and biblically-based way to pay your healthcare costs.
Reflecting God’s design, CHM is built on biblical principles found in Acts 2 and 4, and Galatians 6:2. Galatians 6:2 says, “Share each other’s burdens, and in this way obey the law of Christ.” [NLT]
The early Church models practical and tangible care
CHM is a 21st-century model of the first-century church. In Acts 2 and 4, believers who were led by the Spirit, “shared everything they had” [Acts 4:32, NLT]. Likewise, we, who have had our hearts transformed by the Holy Spirit, experience joy in sharing with others.
Health cost sharing supports lives and carries others’ burdens. Practically, CHM members take care of the financial burden of eligible medical bills. Tangibly, members give of themselves to one another in prayer and in encouragement. When you’ve experienced this care firsthand, you know that a ministry-first approach stands apart.
Relationships are the focus, not contracts
CHM’s biblical community is a beautiful and powerful reflection of the body of Christ in action. Members meet each other’s needs voluntarily, not out of obligation. This means participation doesn’t require a contract—instead it’s a biblical covenant. The “old” way—traditional insurance—is contract-based and reflects a “what’s in it for me” mindset.
By design, health cost sharing shifts our perspective from ourselves to others, making it more personal. It’s the body of Christ serving the body of Christ. Many CHM members are pastors, teachers, missionaries, and evangelists. Your membership directly uplifts members like Juan Sanchez, pastor at King’s Chapel Assembly, as well as other believers who champion the spreading of the Gospel.
Transparency and stewardship are the norm
Acts 4:32 [NLT] says, “All the believers were united in heart and mind.” When caring for one another is our shared goal, trust and accountability naturally grow between members. Our health cost sharing model represents the values of individual and collective financial stewardship. The CHM Guidelines outline which expenses are eligible for sharing and which expenses are the members’ responsibility. Each member has a Personal Responsibility which is theirs to pay for as well. Members help share the “burden” of eligible medical bills—burdens that would be too heavy to bear alone.
Together our impact is beyond what any one of us could accomplish on our own. It’s our joy to report those accomplishments through member testimonies, CHM by the numbers, and more. Last year members shared over $609 million in eligible medical bills. Additionally, through the combined efforts of members and our Member Advocate Team, over $693 million was saved due to medical bill discounts—which make member contributions go farther.
Integrity and transparency are markers of stewardship. CHM achieves this in several ways, including by conducting an annual independent audit, as well as by earning independent accreditation from Demotech, a respected financial analysis firm.
Freedom supports empowerment
CHM offers you and your family more freedom in your healthcare. Under CHM’s Guidelines, you’re free to pick your provider—no network restrictions. You’re free to make your own healthcare decisions—no pre-approval required. Your eligible medical bills can be submitted and shared within the ministry.
You, the patient, are empowered through health cost sharing. Making your own healthcare decisions helps you better understand the true cost of medical bills and how to choose a quality provider. Being fully informed leads to more informed healthcare decisions. Additionally, because medical bills are shared within the ministry’s Guidelines, you can be confident knowing that your membership contributions aren’t going towards expenses that conflict with your faith-based values.
CHM also has solutions set up for such medical conditions as surgery, maternity, cancer, and provides members the option of virtual care. Through CHM Care Solutions, we connect you with a quality provider, offer a simplified process, and provide cost-saving opportunities. Last year CHM’s Complete Surgical Care Solutions (CSCS) saved members a collective $9.9 million on their healthcare costs.
Returning to people-centered care
When Jesus came, He re-centered faith on loving God and your neighbor. In the health cost sharing model, people are the priority. As the body of Christ, we’re called to serve and care for one another.
At CHM, with people-centered care in mind, we developed a Member Care Liaison Team with their mission being: “to extend Christ’s love through personalized, compassionate care for our members, offering prayerful support, thoughtful connection, and a source of encouragement and hope.” They’re available to help members submitting bills for the first time, to explain CHM programs and what we offer, to walk alongside grieving families, to pray with you, and to provide you with resources. We are not made to walk alone, and that’s exactly why the Member Care Liaison Team exists.
1 Corinthians 12:12 and 26 [NLT] remind us that the body of Christ is one: “The human body has many parts, but the many parts make up one whole body. So it is with the body of Christ. If one part suffers, all the parts suffer with it, and if one part is honored, all the parts are glad.” This is the heart of CHM’s ministry, and it is what the ministry’s members and staff have the privilege of living out every day.
