CHM (Christian Healthcare Ministries) Review 2026
In-depth review with verified pricing, coverage details, and honest pros and cons.
CHM (Christian Healthcare Ministries)
300,000+
Best for: Strict Christians seeking lowest cost option, most affordable ministry
Monthly Cost
$115-$264
Coverage Cap
Unlimited
Pre-Existing Wait
6 months
Faith Requirement
Christian (Strict)
Overview
CHM (Christian Healthcare Ministries) is the most affordable health sharing ministry, founded in 1981, with 300,000+ members based in Barberton, OH. Monthly contributions start at $115 for individuals and $345 for families, with unlimited sharing cap and strict Christian faith requirement including church attendance. Covers maternity, preventive, emergency, and surgery with any doctor — no network.
Key Facts
- ✓Monthly cost: $115-$264 (individual), $345-$792 (family)
- ✓Unlimited sharing cap
- ✓Strict Christian faith + church attendance required
- ✓6-month pre-existing waiting period
- ✓Any doctor — no network restriction
- ✓Founded 1981 (oldest ministry)
- ✓Covers: maternity, preventive, emergency, surgery
Pros and Cons
What we like
- ✓Most affordable option — starting at $115/month
- ✓Unlimited sharing cap
- ✓Established since 1981 — oldest ministry
- ✓Any doctor — no network restriction
- ✓Maternity coverage included
- ✓Shorter pre-existing waiting period (6 months)
Watch out for
- ✕Strict Christian faith requirement + church attendance required
- ✕No telehealth coverage
- ✕No prescription drug coverage
- ✕Most restrictive faith requirements
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What's Covered
✗
telehealth
✗
prescriptions
✓
maternity
✗
mental Health
✗
dental
✗
vision
✓
preventive
✓
emergency
✓
surgery
What would CHM (Christian Healthcare Ministries) cost for a real medical event?
Model an ER visit, surgery, or pregnancy and see what you'd actually pay out of pocket.
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Frequently Asked Questions
How much does CHM (Christian Healthcare Ministries) cost per month?
CHM (Christian Healthcare Ministries) individual plans start at $115/month and go up to $264/month depending on your IUA selection. Family plans start at $345/month. These are 2026 verified rates.
Does CHM (Christian Healthcare Ministries) cover pre-existing conditions?
CHM (Christian Healthcare Ministries) does accept members with pre-existing conditions. There is a 6 months waiting period before pre-existing conditions become eligible for sharing. 50% first 6 months, 100% after.
Does CHM (Christian Healthcare Ministries) have a faith requirement?
CHM (Christian Healthcare Ministries) faith requirement: Strict Christian faith and church attendance required. You must meet the faith criteria to become a member.
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