CHM (Christian Healthcare Ministries) Review 2026

By The WhichHealthShare EditorsReviewed June 2026

CHM (Christian Healthcare Ministries) is best for strict Christians seeking lowest cost option, most affordable ministry. The catch: strict Christian faith requirement + church attendance required.

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What it does well
  • ✓Most affordable option — starting at $115/month
  • ✓$125,000 per-incident cap ($1M/illness with the optional CHM Plus program)
  • ✓Established since 1981 — oldest ministry
  • ✓Any doctor — no network restriction
Watch out for
  • !Strict Christian faith requirement + church attendance required
  • !No telehealth coverage
  • !No prescription drug coverage
  • !Most restrictive faith requirements
What would CHM (Christian Healthcare Ministries) actually cost you?

Published pricing, as of 2026-06-12.

Household
Initial unshareable amount (IUA)
Monthly share
$115
Worst realistic year — a bad year, two events at the IUA
$1,980
12 months of shares plus two unshareable-amount events. Doesn't include any enrollment or annual fee that may apply — CHM (Christian Healthcare Ministries) doesn't publish one broken out by IUA tier, so we're not guessing at it.

How CHM (Christian Healthcare Ministries) compares

CHM (Christian Healthcare Ministries)from $115/mo
Strict Christian · Pre-existing wait: 12 months
Read review →
Medi-Share$115–$470/mo
Christian · Pre-existing wait: 36 months
Read review →
Zion HealthSharefrom $114/mo
No requirement · Pre-existing wait: 12 months (then phased in over 4 years)
Read review →

Frequently asked questions

CHM (Christian Healthcare Ministries) individual plans start at $115/month and go up to $299/month depending on your IUA selection. Family plans start at $345/month. These are 2026 verified rates.
Our verdict
4.4/5from $115/mo · Strict Christians seeking lowest cost option, most affordable ministry
Compare with the other 7 plans
C
4.4
out of 5
CHM (Christian Healthcare Ministries)
Individual
from $115/mo
Family
from $345/mo
Check my price with the Advisor
Verified 2026-06-12
Who should skip CHM (Christian Healthcare Ministries)
  • ·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
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How CHM (Christian Healthcare Ministries) compares head-to-head

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