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Christian Healthcare Ministries Review
The original health cost sharing ministry
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Budget-ConsciousIndividualsSimple Plans
Founded 1981
300,000+ members
Our Verdict
Christian Healthcare Ministries (CHM) is the oldest health sharing ministry in America, founded in 1981. It offers three simple tiers — Bronze, Silver, and Gold — making it easy to choose a plan. CHM is known for being the most affordable option in health sharing, with Bronze plans starting under $100/month. Members can use any provider and submit bills for sharing after paying their personal responsibility amount.
Rating Breakdown
Pricing & Costs
Monthly Cost Range
$93–$300/mo
Deductible / IUA Range
$500–$5,000
Max Sharing Amount
Up to $125,000 per incident (Gold unlimited with Brother's Keeper add-on)
Bronze $93/mo, Silver $135/mo, Gold $175-300/mo per person
Coverage Details
| Maternity | ✓ | Gold members only; must be enrolled before conception |
| Mental Health | ✗ | Not eligible for sharing under any tier |
| Telemedicine | ✗ | Not included |
| Prescriptions | ✓ | Eligible when part of a shareable medical incident |
| Preventive Care | ✗ | Routine checkups and preventive care not shareable |
| Dental & Vision | ✗ | Not included in any tier |
Network & Requirements
Network Type
Any Provider
No network — use any doctor or hospital
Religious Requirement
Yes
Must be a practicing Christian living according to biblical principles
Waiting Period
None
Pre-Existing Conditions
36-month waiting period
Pros & Cons
👍 Pros
- Most affordable health sharing option starting at $93/mo
- Simple 3-tier structure is easy to understand
- Longest track record operating since 1981
- Brother's Keeper add-on provides unlimited sharing
👎 Cons
- No telemedicine or preventive care coverage
- Mental health is completely excluded
- 36-month pre-existing condition waiting period
- Lower sharing limits without add-ons
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