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When Christian Healthcare Ministries started in October 1981, no one could have known how God would use it to bless and minister to so many of His people. CHM began with a definable need, followed by an act of obedience to God's prompting, resulting in a continuing healthcare cost solution for hundreds of thousands of Christ-followers today.

For over 40 years, CHM has remained true to its founding mission—and we continue to experience historic vibrancy and growth. In addition to being the nation's longest-serving health cost-sharing ministry, we are recognized as the standard-bearer for health cost-sharing. 

How are my medical needs shared?

Fellow CHM members will be standing by to support you financially and spiritually should you encounter a medical event. They're ready to share your medical needs through a biblical and powerful framework. 

To act in fairness to all members, each medical bill submitted to CHM for sharing is authorized according to the Guidelines.

See our Guidelines

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What is it?


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 provides a cost-effective, 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.





Christian Healthcare Ministries is not health insurance, but rather a principled, budget-friendly, and eligible healthcare option under the Affordable Care Act (ACA) that many Christians use as their solution to their healthcare costs. We welcome you to learn more about our health cost-sharing ministry’s history and how CHM meets the requirements of the national healthcare law.