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CHM vs HSA Secure: Full Comparison for 2026
CHM and HSA Secure land at a similar price but ask very different things of members. CHM, founded in 1981 with 300,000+ members, is the most affordable Christian ministry — $115–$299/month for an individual — but requires a strict statement of faith with church attendance, and its base program does not include telehealth or prescriptions. HSA Secure is fully secular, runs $114–$320/month on Zion HealthShare's community and rate table, and is purpose-built to be HSA-compatible through a bundled MEC insurance policy — something CHM does not offer. Here is how the two compare.
CHM and HSA Secure land at a similar price but ask very different things of members. CHM, founded in 1981 with 300,000+ members, is the most affordable Christian ministry — $115–$299/month for an individual — but requires a strict statement of faith with church attendance, and its base program does not include telehealth or prescriptions. HSA Secure is fully secular, runs $114–$320/month on Zion HealthShare's community and rate table, and is purpose-built to be HSA-compatible through a bundled MEC insurance policy — something CHM does not offer. Here is how the two compare.
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Editor’s pick
HSA Secure
from $114/mo · ★ 4
HSA Secure is the plan on this page we can help you enroll in. The other plan has no referral program with us, so it stays review-only.
| Factor | CHM | HSA Secure |
|---|---|---|
| Monthly Cost (Individual) | $115-$299 | $114-$320 |
| Initial Unshareable Amount (IUA) | $300 / $500 / $1,000 | $1,250 / $2,500 / $5,000 |
| Coverage Cap | $125,000 per illness base; CHM Plus add-on ($42/unit/mo) extends to $1M per illness (Silver/Bronze) or unlimited (Gold). | Unlimited |
| Faith Requirement | Strict Christian | None (secular) |
| Pre-Existing Wait | 12 months | 12 months |
| Network | No network restriction | No network restriction |
| Prescriptions | Not included | Included |
| Mental Health | Not included | Not included |
| Maternity | Included | Included |
| Processing Time | 30-45 days | 14-35 days |
Verified July 2026 from official plan materials and each plan's official website.
CHM is the lower-cost, faith-anchored ministry for committed Christians; HSA Secure is the secular, HSA-compatible option with broader everyday benefits at a comparable price.
Choose CHM if
You are a committed Christian comfortable with a strict statement of faith and church-attendance expectation, and want CHM's long track record (since 1981) and $125,000 per-illness cap (extendable via the optional CHM Plus add-on). You do not need built-in telehealth, prescriptions, or HSA eligibility.
Choose HSA Secure if
You want no faith requirement, telehealth and prescriptions included, and HSA eligibility handled for you through a bundled MEC insurance policy. HSA Secure runs Zion HealthShare's no-network model — see any provider — with an unlimited sharing cap, at a monthly cost close to CHM's.
Ready to enroll?
Enroll goes to the plan’s own page when we have a referral link. Plans with no referral program stay review-only — we earn nothing from them.
HSA Secure
4.0/5from $114/mo · Self-employed individuals and small business owners who want HSA tax advantages paired with affordable health sharing
CHM (Christian Healthcare Ministries)
4.4/5from $115/mo · Strict Christians seeking lowest cost option, most affordable ministry
Frequently Asked Questions
Is CHM or HSA Secure cheaper?
They are close. CHM runs $115–$299/month for an individual; HSA Secure runs $114–$320/month. CHM has the slightly lower floor, HSA Secure the slightly lower ceiling — for most individual budgets, the difference is a few dollars a month.
Does either require a statement of faith?
CHM does — a strict Christian statement of faith plus regular church attendance verified by a pastor. HSA Secure requires no faith statement and welcomes members of any background.
Which is HSA-compatible?
HSA Secure. It bundles a MEC insurance policy with Zion HealthShare's sharing specifically so the plan qualifies as an HSA-eligible High Deductible Health Plan. CHM is not HSA-compatible.
Does either include prescriptions or telehealth?
HSA Secure does — telehealth, prescriptions, and maternity (after a six-month maternity-specific wait) are part of its base plan. CHM does not include prescription, telehealth, or mental health coverage in its base ministry.
Which has the higher sharing cap?
HSA Secure carries no annual or lifetime sharing cap. CHM caps its base program at $125,000 per illness, extendable to $1M per illness or unlimited with the optional CHM Plus add-on ($42/unit/month).
Which has the longer track record?
CHM, founded in 1981 with 300,000+ members, versus HSA Secure, which runs on Zion HealthShare's community (founded in 2019, 75,000+ members). CHM is rated 4.4/5; HSA Secure is rated 4.0/5.
Largest community
Medi-Share
$115–$470/mo · ★ 4.5
The biggest health sharing ministry — 400,000+ members, Cigna PPO network access, and no per-illness sharing cap.
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