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What is Christian Healthcare Ministries?

Christian Healthcare Ministries (CHM) is a 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 over $8 billion in our members’ medical bills.

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How it works

Christian Healthcare Ministries 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 $90 to $705, depending on which program you choose and how many family members you add to your CHM membership. CHM also has an optional program for catastrophic bills. Use our cost calculator to see what your monthly financial gift could be!


Calculate your cost


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: our members have exercised their faith and shared other members’ eligible medical bills 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.

40 years of service to you

Christian Healthcare Ministries' members and staff have exercised their faith by ministering to one another through spiritual and financial support at any age or stage in life. We encourage you to read any of the hundreds of medical bill sharing stories members have shared with us or learn more about why we're celebrating our strong 40-year history and looking forward to a continuing vibrant future.

Calculate your cost

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


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CHM’s independent accreditation

We value transparency and consumer protection because we value you. That's why we’ve set the standard as the first health cost sharing ministry in the nation to earn independent accreditation from Demotech.

Have questions? We have answers

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


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