- How it works
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CHM, a voluntary cost sharing ministry, is not health insurance. As such, CHM doesn’t contract, incentivize, or in any other manner, work with insurance agents to bring new members into the ministry.
As you may be researching CHM for possible membership, it’s important that you know our position.
Our largest source of new members comes from CHM members explaining the ministry to their friends and family members. CHM doesn’t have insurance products. We don’t pay commissions to agents. Agents are not authorized, allowed, or able - in any form, manner, or capacity - to “sell” CHM to prospective members.
If you’re visiting our website because you’re interested in becoming a CHM member, we hope you will prayerfully consider joining with Christians across the country who have chosen our voluntary health cost sharing ministry as a way to deal with their healthcare costs.
However, if someone tries to literally “sell” you on joining, don’t buy it. Call or email us directly and we’ll be delighted to share the CHM story with you.
If an insurance agent attempts to “sell” you CHM membership, please contact us at firstname.lastname@example.org.
Christian Healthcare Ministries (CHM) is an affordable, 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 $4.5 billion in our members’ medical bills.
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.
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 isn’t insurance, but it is an acceptable option to meet the national healthcare law’s individual mandate for health cost coverage. Members are therefore not required to pay a penalty for having CHM rather than health insurance. Read more.
We’re so thankful to be part of a ministry that shares other Christians’ healthcare bills. […]Making our monthly financial gift to the ministry is easy and painless when we think about how we’re helping other people.
CHM is a ministry, not just a way to meet your healthcare needs. You’re supporting hundreds of thousands of Christians across the country. Our staff have sent prayer cards to other members. It feels incredible to hear that our employees are passionate about being CHM members.
The kindness of CHM members helped me realize that I wasn’t alone and that God sometimes shows His love in unexpected ways. I have recommended this wonderful ministry to several families who have since joined CHM.
The neurosurgeon had biopsy results showing that our sweet Mazy had acute lymphoblastic leukemia. [...] To date CHM has shared over $410,000 after $436,000 in medical bill discounts.
This can’t be happening, I thought as I threw myself to the ground and shielded my girlfriend, Jenna, from the bullets that were spraying into the crowd. Moments later, I was hit. […] CHM is where I can best help and be helped by other believers in time of medical financial need.
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.