Biblical cost-sharing for medical needs - serving believers for over 40 years
Christian Healthcare Ministries (CHM) Review
Christian Healthcare Ministries (CHM) is one of the most established Christian cost-sharing ministries in the U.S., founded in 1981. The ministry operates multiple program tiers (Gold, Silver, Bronze, SeniorShare) to accommodate varying budgets and medical needs.
Members submit eligible medical bills, and CHM facilitates sharing among its community under defined guidelines. There are no age, location, or health history restrictions for joining, and no one is dropped due to high medical costs.  CHM also claims to share 100 % of eligible bills under qualifying programs, subject to guidelines.
One of CHM’s strengths is its long track record and reputation, which gives prospective members a sense of stability and reliability. Its guidelines are fairly transparent, and there is a strong ethos of mutual care and spiritual support among the membership. On the flip side, as with any health share program, there are limitations, waiting periods, and rules on pre-existing conditions that users must understand in full. Overall, CHM presents a mature, faith-anchored alternative for Christians seeking to manage healthcare costs within a community of believers.
Starting from $115 per month
From $115/month (CHM Bronze)
From $169/month (CHM Silver)
From $299/month (CHM Gold)
Key Metrics at a glance
Reimbursement
Free to choose your provider
Mental Health None
No CVS Caremark partnership
Maternity, coverage with support
24/7 telehealth service
Pros
No startup or annual fees
Offers maternity support with care team
24/7 telehealth access
Free to choose your provider
Cons
No maternity sharing for unwed mothers
Average reimbursement time of 2-3 months
Reimbursement checks only sent through the mail (no online option)
Attend worship services regularly
Trusted by Believers for 40+ Years
Choose a proven healthcare-sharing ministry built on transparency, faith, and helping members in times of need.
