What is health cost sharing?

Health cost sharing is a way to satisfy your healthcare costs and help fellow Christians while upholding your Christian beliefs and sticking to your budget.

Christian Healthcare Ministries (CHM) is celebrating over 40 years as the nation’s first and longest-serving health cost sharing ministry, providing a cost-effective, accountable and faith-based framework to help fellow believers facing a health crisis. Likewise, brothers and sisters in Christ step in to help you in your time of need. Members’ pre-set monthly financial gifts to CHM are the funds used to share each other’s healthcare costs.

The ministry shares 100 percent of eligible bills and overall has shared over $8 billion in members’ healthcare costs. That’s more than 40 years of medical bill sharing. CHM is also a Better Business Bureau Accredited Charity and the only health cost sharing ministry featured on The Ramsey Show.

CHM is a federally certified exemption to the individual mandate under the U.S. Affordable Care Act. As such, CHM is an eligible option for individuals and families under the national healthcare law.

Advantages of joining CHM

  • Over 40 years of compassionate and principled service
  • CHM is compassionate and upstanding
  • Budget-friendly and cost-effective
  • A federally certified exemption to the national healthcare law; eligible option for individuals and families
  • Better Business Bureau Accredited Charity
  • Generous maternity program
  • Flexibility in choosing your own healthcare providers
  • No application fee or annual membership fee
  • No one is dropped or denied membership due to medical conditions
  • Costs are not adjusted based on medical conditions or history
  • Longevity, integrity and accountability
  • Earn a credit towards your account for each new membership you bring to CHM
  • Knowing that each financial gift (monthly payment) goes to help a fellow Christian as fellow Christians stand by to help you!

What members say about CHM

The Benham Brothers: Why we chose CHM

As entrepreneurs, brothers David and Jason Benham along with their wives Lori and Tori share why joining CHM makes sense to them practically, financially and biblically.

Mount of the Holy Cross Journey

CHM member Matthew Smith and his climbing partner, Tommy, spent two deadly nights trapped by a blizzard. Matthew recounts how God sustained him on the mountain and how CHM members shared his medical bills.

Three families share their "glory to God" stories

Listen as three families come together to discuss why they joined the ministry and how it has been there for them through falling of a roof, having a baby, skull fractures and more

Las Vegas shooting survivors share their CHM story

Jeff Christerson and his girlfriend were attending a music festival when the unthinkable happened: a shooter opened fire, killing 58 and leaving more than 850 wounded. Jeff explains how CHM members shared his medical bills and is grateful for God's “second chance at life.”

Ain't that a kick in the head

Jennifer Johnson shares her story about an ornery horse, a painful concussion and how her fears about expensive medical costs were put to rest by CHM.

Not taking a pass on life

John Perona won the opportunity of a lifetime: an all-expense-paid trip to represent the Tennessee Titans at the NFL draft. Shortly after receiving that news, his doctors found a tumor on his left kidney. Diagnosis? Cancer, and it needed a quick removal.

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