Groups

We know you want to care for your employees while sticking to your biblical beliefs—and your budget. Planning for your group’s healthcare can feel like a different world, but it doesn’t have to be.

CHM has hundreds of participating groups—all of which are Christian organizations with an all-Christian staff. We offer two flexible options to fit the size, needs, and budget of your small business, church, college, or organization.

Biblical solutions to group healthcare

We know you want to care for your employees while sticking to your biblical beliefs—and your budget. Planning for your group’s healthcare can feel like a different world, but it doesn’t have to be.

CHM has hundreds of participating groups—all of which are Christian organizations with an all-Christian staff. We offer two flexible options to fit the size, needs, and budget of your small business, church, college, or organization.

Cost sharing at your fingertips

Faith-based community

Christian values are the foundation of this nonprofit health cost sharing ministry. You’ll receive the support of the CHM family through prayer and encouragement.

Pick your providers

CHM members have the flexibility to decide with their doctor what treatment they receive and agree on how much it will cost. Sharing eligibility is determined according to the Guidelines.

Simple qualifications

There are no restrictions for membership based on age, weight, geographic location, or health history. 
No waiting period! At CHM, open enrollment never ends.

Accountability and service

We’re the first and longest-serving health cost sharing ministry in the nation. We’re also the first to receive independent accreditation.

Steward your financial resources

CHM’s cost-effective solution to rising healthcare costs allows you to steward and repurpose your financial resources.

Budget-Friendly

Our Bring-a-Friend program helps your staff reduce costs by earning credits towards their account!

Already a group administrator?

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Is CHM right for you?

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Meet with us?

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Find your perfect fit!

How are you taking care of your staff’s healthcare?

As a faith-based cost-sharing ministry, CHM can equip you with the tools you need to cost-effectively steward your resources. For that, we have two program options for that: Gold Standard and Gold Standard Plus.

  • Biblical values: You’ll never have to wonder if your resources are going towards medical testing or treatment that isn’t compatible with your Christian values. With CHM you can rest knowing that your healthcare aligns with your beliefs. Additionally, you’ll experience the support and encouragement of the faith-based CHM family.
  • Flexible: Explore how CHM could be part of the solution for the healthcare needs of your small business, church, or organization. With two flexible options you can boost employee morale by providing a cost-sharing solution for their healthcare needs.
  • Cost-effective: Juggling business administration costs can be a chore. CHM empowers you to sustain your budget and steward your resources so that you can focus on accomplishing your God-given mission.

ACA compliance

With two group options, you can customize your healthcare to meet your staff needs. CHM is a federally certified exemption to the individual mandate under the U.S. Affordable Care Act (ACA).

Both the Gold Standard and Gold Standard Plus options can be created to meet all the requirements of the ACA. They also include our Gold program—plus Brother’s Keeper!

CHM will help you explore your options as you create a solution that satisfies ACA requirements. Your group healthcare must be set up properly or you can be heavily fined, so we also recommend that all groups seek guidance from attorneys and CPAs knowledgeable about the law’s requirements as you finalize your group’s healthcare. CHM can provide referrals to reliable, independent professionals.

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