Make CHM
part of your story.

Are you feeling stuck with health insurance that doesn’t share your values, offers confusing coverage, and limits you with in-network provider restrictions? It’s time to change your story with CHM.

CHM is for Christians that want freedom from health insurance. Choose an affordable program and a healthcare provider you trust with no network restrictions.

Joining Christian Healthcare Ministries is easy. Learn more about our family of fellow believers who have lifted the burden of over $10 billion in eligible medical bills.

Connect with us!

Complete the form to learn more about pricing information and other exclusive benefits of joining the CHM community!

CHM is the alternative to insurance that gives you freedom over your healthcare decisions.

40+ years of compassionate and faithful service

A federally certified healthcare cost option

No healthcare provider network restrictions

We’re not insurance.

We’re the longest-serving biblical solution to satisfying your medical costs.

Insurance isn’t your only option. Christian Healthcare Ministries is an alternative to insurance that uses a process called healthcare cost sharing.

With CHM, you can enroll and change programs anytime. Join a community that aligns with your values and supports you when you need it most.

Sign up Now

Health cost sharing is easy with CHM.

Flexible healthcare that meets you where you are.

Step 1
You have the freedom to choose quality care and be eligible for a self-pay discount—no network needed!
Step 2
Submit eligible bills by answering a few simple questions on the Member Portal and uploading your medical bills.
Step 3
Receive your funds. Your CHM family takes care of your eligible medical bills. It’s that easy!
Choose one of our programs
Explore our programs, CHM Gold, CHM Silver, CHM Bronze, or CHM SeniorShare™, and add the optional CHM Plus program to protect against catastrophic medical bills. Christian Healthcare Ministries also has group program options for employers.
CHM Gold
CHM Silver
CHM Bronze
CHM SeniorShare™
Per unit, per month
$240
$138
$92
$115
Minimum amount to qualify per incident/illness
$1,000
$2,500+
$5,000+
$500+
Lifetime maximum per illness without CHM Plus*
$125,000
$125,000
$125,000
$125,000
Telemedicine services at no additional cost
Inpatient and outpatient hospital incidents & surgery
Maternity care (including prenatal, home or hospital birth, postnatal, and infant wellness visits for 90 days)
Physical therapy & home healthcare (up to 45 visits per injury/sickness)
Incident-related doctor’s office visits & prescriptions
*As long as all other Guidelines are met. All programs have an illness cap of $125,000 per illness unless adjusted by the CHM Plus add-on option.

For Maryland residents only: Learn additional information regarding CHM membership. Learn More