For a clear breakdown of Christian Health Ministries’ cost in 2026, it’s helpful to compare program tiers, monthly contribution amounts, personal responsibility figures, and optional add-ons. Christian Healthcare Ministries (CHM) offers tiered programs with varying levels of cost sharing designed to meet different household needs.
Below is a detailed explanation of CHM’s 2026 cost structure to support informed decision-making.
Overview of CHM Programs
Christian Healthcare Ministries operates as a faith-based cost-sharing ministry where members voluntarily contribute funds monthly to assist each other with eligible medical expenses. There are multiple program choices with different cost and responsibility structures: Gold, Silver, Bronze, and SeniorShare. All members can pay the same monthly contribution regardless of age or health history, and CHM does not use provider networks.
2026 Monthly Contribution Amounts
CHM has updated the monthly contribution amounts for each program level for 2026. These amounts are per unit, with each unit representing the number of participating individuals in the membership:
- 1 unit: individual
- 2 units: couple
- 3 units: family (regardless of number of dependents)
Below is a breakdown of standard monthly contribution rates:
|
Program Tier |
Monthly Contribution (per unit) |
|
CHM Gold |
$299 |
|
CHM Silver |
$169 |
|
CHM Bronze |
$115 |
|
CHM SeniorShare |
$119 |
|
CHM Plus (add-on) |
$42 extra per unit |
Personal Responsibility and Qualifying Amounts
In addition to monthly contribution amounts, each CHM tier has a Personal Responsibility (sometimes referred to as a qualifying amount) that members must meet before eligible medical bills are shared.
|
Program Tier |
Personal Responsibility ($) |
Maternity Personal Responsibility ($) |
Per-Illness Sharing Cap (without CHM Plus) |
|
CHM Gold |
$1,250 |
$2,500 |
$125,000 |
|
CHM Silver |
$3,000 |
$5,000 |
$125,000 |
|
CHM Bronze |
$6,000 |
$9,000 |
$125,000 |
|
CHM SeniorShare |
$500 |
Not applicable |
Unlimited* |
*CHM SeniorShare offers unlimited sharing above the personal responsibility as long as all other guidelines are met.
What’s Included in Each Tier
All CHM programs include sharing for the following eligible medical expenses:
- Hospital inpatient and outpatient incidents
- Surgery
- Physical therapy
- Home healthcare (up to set visit limits)
- Incident-related doctor office visits and prescriptions
- Telehealth primary and urgent care through the CHM Virtual Care Solution
Maternity care sharing is included in Gold, Silver, and Bronze programs but comes with a separate maternity personal responsibility amount. SeniorShare members also benefit from sharing for adult needs after the minimal personal responsibility is met.
Who Each Tier May Suit
- CHM Gold: Higher monthly contribution with lower personal responsibility; potentially attractive for households seeking significant sharing with relatively lower out-of-pocket thresholds
- CHM Silver: Mid-range contribution and responsibility, balanced for many families
- CHM Bronze: Lower monthly cost with higher personal responsibility; suitable for generally healthy individuals or smaller households
- CHM SeniorShare: Tailored for adults 65+ with predictable, lower personal responsibility amounts
- CHM Plus: Optional add-on for families seeking extended catastrophic protection
The Takeaway
This breakdown of Christian Healthcare Ministries’ cost in 2026 provides a clear comparison of the monthly contribution amounts, program tiers, personal responsibility requirements, and optional CHM Plus add-on. These figures can help households evaluate which tier aligns with their budgeting needs and medical cost-sharing preferences.
Before enrolling, it’s recommended to calculate estimated costs using CHM’s official cost calculator and compare them with other health share options.