CHM (Christian Healthcare Ministries) Review 2026
Christian Healthcare Ministries (CHM) is a Christian health sharing ministry — not insurance — with Gold, Silver, Bronze, and SeniorShare. Individual monthly shares for Gold, Silver, and Bronze run $115–$299 (couples $230–$598, families $345–$897). Bronze is the lowest published share at $115/month. The catch: a strict Christian faith and church-attendance requirement. Maintenance prescriptions, routine preventive care, and mental health are not shared. Telemedicine through CHM’s Virtual Care Solution is included.
As an alternative that fits this page, Medi-Share is a Christian membership with a provider network and a personalized monthly quote. Or use the Advisor if you want a match.
Email the plan shortlist
CHM membership levels: Gold, Silver, Bronze, and SeniorShare
Per unit per month, CHM publishes Bronze $115, Silver $169, Gold $299, and SeniorShare $119. Gold, Silver, and Bronze catalog ranges are $115–$299 individual, $230–$598 couple, and $345–$897 family, because a household pays for at most three units. Qualifying amounts are Gold $1,250, Silver $3,000, and Bronze $6,000 per incident. Those same amounts are the annual personal responsibility per unit. SeniorShare’s qualifying amount is $500 once per calendar year, and its annual personal responsibility is $0. CHM shares 100% of eligible bills after those amounts. Gold, Silver, and Bronze cap at $125,000 per illness. SeniorShare is unlimited.
| Level | Per unit per month | Base per-illness cap | With CHM Plus ($42/unit/mo) |
|---|---|---|---|
| Gold | $299 | $125,000 | Unlimited |
| Silver | $169 | $125,000 | Up to $1 million |
| Bronze | $115 per unit (lowest published) | $125,000 | Up to $1 million |
| SeniorShare | $119 per unit (age 65+) | Unlimited | Not used |
Couple range $230–$598/month; family range $345–$897/month. CHM Plus is optional.
- ✓Bronze starts at $115/month
- ✓$125,000 per-illness cap on Gold, Silver, and Bronze; SeniorShare is unlimited; CHM Plus ($42/unit/month) extends Gold to unlimited and Silver/Bronze up to $1 million per illness
- ✓Established since 1981 — oldest ministry
- ✓Any doctor — no network restriction
- !Strict Christian faith requirement + church attendance required
- !Telehealth outside CHM's included Virtual Care Solution is not shared
- !Maintenance prescriptions are not shared (incident-related prescriptions share for the first 90 days)
- !Routine preventive care, mental health, dental, and vision are not shared
Published pricing, as of 2026-11-09.
CHM (Christian Healthcare Ministries) has no enrollment link on this site. These plans do.
Christian, with a Trinitarian statement of faith and no church-attendance verification. First Health PPO network (1,000,000+ providers). Pre-existing conditions wait 36 months.
Get my Medi-Share quote →Medi-Share has no public rate card, so this opens Medi-Share's request page for WhichHealthShare readers. Leave your details and Medi-Share says it calls within 48 hours to give you your monthly share.
No statement of faith. Shares prescriptions, telehealth and mental health. Price depends on age and your IUA ($1,250, $2,500, $5,000). Not available in WA.
Enroll with Zion HealthShare →How CHM (Christian Healthcare Ministries) compares
| Plan | From / mo | Faith requirement | Pre-existing wait | Review |
|---|---|---|---|---|
| CHM (Christian Healthcare Ministries) | from $115/mo | Strict Christian | 12 months | Read → |
| Zion HealthShare | from $114/mo | No requirement | 12 months (then phased in over 4 years) | Read → |
| HSA Secure | from $114/mo | Secular | 12 months | Read → |
Frequently asked questions
- ·You don't practice the required faith — membership isn't open to you here.
- ·You're managing a pre-existing condition and need it covered sooner than 12 months.
- ·Strict Christian faith requirement + church attendance required
Not sure this is your plan?
Answer a few questions and the free Advisor matches your household to the best-fit plan — no email required to see results.
Take the 2-minute AdvisorBetter alternatives you can enroll in
CHM is a real, long-standing ministry — oldest in the country, 300,000+ members since 1981. There is no enrollment link for CHM here. If you want a comparable path you can join from this page, these are the options.
- Medi-Share★ 4.5/5 · Monthly share varies
Closest Christian-community alternative: statement of faith (no church-attendance verification), nearly 350,000 members as of October 2025, sharing since 1993, telehealth and maternity. Sharing is limited to $50,000 the first month of membership. Bills for pre-existing conditions have a 36-month waiting period before they are eligible for sharing, so check your personalized monthly quote against CHM’s membership rules.
- Zion HealthShare★ 4.8/5 · from $114/mo
If the church-attendance rule is the sticking point: no faith requirement, any doctor, and day-one sharing for high blood pressure, high cholesterol, and diabetes. Highest-rated plan we track (4.8/5).
- Sedera★ 4.5/5 · Current quote required
Secular membership with the widest IUA range ($500–$5,000) and day-one exceptions for controlled high blood pressure and non-insulin diabetes.
- HSA Secure★ 4/5 · from $114/mo
Zion-powered sharing plus a MEC preventive policy so you can contribute pre-tax to an HSA — the only HSA-compatible setup we track.
Not sure which alternative fits? Ask the advisor → or compare all plans.
How CHM (Christian Healthcare Ministries) compares head-to-head
What to do next
As an alternative that fits this page, you can enroll with Medi-Share, or take the 2-minute Advisor if you want a match.