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What is Christian Healthcare Ministries?

Christian Healthcare Ministries (CHM) is an budget-friendly, biblical, and compassionate healthcare cost solution for Christians in all 50 states and around the world. We’re not health insurance; rather, we're the first and longest-serving health cost sharing ministry, having shared nearly $5 billion in our members’ medical bills.

How It Works Budget-friendly Biblical Compassionate Legal

How it works

CHM is a membership-based, nonprofit ministry through which hundreds of thousands of Christians voluntarily share to pay each other’s medical bills. Choose from one of three programs—Gold, Silver, or Bronze—and add the optional Brother’s Keeper program to protect against catastrophic medical bills.

Members who incur medical costs eligible according to our Guidelines submit their bills to CHM along with a few simple forms. Bills are then shared or reimbursed—usually by way of a check in the mail.

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

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CHM’s monthly financial gifts (monthly costs) range from $78 to $516 depending on which program you choose and how many people are in your family. CHM also has an optional program for catastrophic bills. Use our cost calculator to find out how much you can save!


The New Testament’s direction that Christians carry each other’s burdens (Galatians 6:2) is the foundation of this nonprofit health cost sharing ministry. CHM is a 21st-century representation of how members of the early Christian Church shared to meet each other’s needs (Acts 2 and 4). And it works: members have faithfully shared each other’s healthcare costs since 1981. Learn more about our biblical basis.


As a health cost sharing ministry, CHM isn’t insurance. Here are some unique attributes that enrich your experience as a CHM member:

  • CHM is a ministry and looks for ways to help members. The ministry isn’t a profit-seeking enterprise. Instead, our purpose is to glorify God and serve His people; our members are our sole concern.
  • CHM members are in a covenant—not contract—with each other. Members are Christians living by biblical principles and voluntarily join together to share each other’s medical costs. CHM shares 100 percent of all bills that are eligible according to our Guidelines.
  • Program costs remain the same regardless of your health history; no physical evaluation or medical tests are required to join.

Calculate your cost

CHM members select one of three programs and can opt into the ministry's additional program for catastrophic health events. Get an instant quote and compare program costs for you and your family.


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Just three weeks after Faith was born, we noticed a cough that grew worse and affected her breathing. The day after Christmas, we took Faith to the pediatrician who immediately admitted her to the hospital. It was such a blessing to have our CHM family on our side through Faith’s birth and during her bout with RSV.
Crystal LeMaster Crystal LeMaster Gerrardstown, W. Va.
We didn’t have to wait on approvals to receive treatment. The doctor told us what I needed to continue my recovery, and I got it—no referrals, no approvals, no hassle. Thanks to God and CHM, I can get the treatment I need when I need it.
Laurie Hayn Laurie Hayn Plymouth, Indiana
CHM staff put our minds at ease, reminding us that our brothers and sisters in Christ are on our side and faithful to share medical expenses. The members and staff far exceeded our expectations—they’re truly the hands and feet of Jesus in our lives. Their support was a testament to the compassion and reliability of the ministry.
Madyson Frick Madyson Frick Billings, Montana
The CHM representatives I worked with were kind and helpful as I prepared for back surgery and later submitted medical bills. CHM’s love reminded me that God was with me. The CHM staff and fellow members were a huge part of God’s provision through prayer and financial support. We feel blessed to be part of this group of Christians who reminded us that God was in the details from the very beginning.
Carol Skaggs Carol Skaggs Freetown, Ind.
CHM is lightning fast, and it only took minutes to work with CHM staff to understand our next steps when the bills arrived. We are so thankful that we joined CHM! Thank you, CHM, for all you’ve done for our family.
Nikki Bradford Nikki Bradford New London, MN

Have questions? We have answers

We understand that health cost sharing may be a new concept to you, since CHM operates differently from health insurance. See below or visit our FAQs page to find the answers you’re looking for.


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