What is health cost sharing?

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

Christian Healthcare Ministries (CHM), the nation’s first and longest-serving health cost sharing ministry, provides 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 $4.5 billion in members’ healthcare costs. CHM is also a Better Business Bureau Accredited Charity and the only health cost sharing ministry featured on The Dave 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

  • CHM is compassionate and faithful
  • An eligible option for individuals under the Affordable Care Act (ACA)
  • Generous maternity program
  • Choose your own healthcare providers
  • No application fee or annual fee
  • No one is dropped or denied membership due to medical conditions
  • Costs are not adjusted based on medical conditions or history
  • Bill discounts often eliminate out-of-pocket expenses
  • Longevity, integrity and accountability
  • One free month for each new membership you bring to CHM
  • Knowing that each financial gift goes to help a fellow Christian as fellow Christians stand by to help you!



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