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 an affordable, 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 nearly $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.


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