How Much Does Christian Healthcare Ministries Cost?

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Founded in 1981, Christian Healthcare Ministries (CHM) is a voluntary health cost sharing ministry through which participating Christians work together to share the burden of medical expenses.

Participation is a voluntary expression of Christian faith and does not require a contract. CHM members join the ministry as part of a biblical covenant through which each party works to help the other.

How Much Does Christian Healthcare Ministries Cost?

As a Christian Healthcare Ministries (CHM) member, you will have a monthly share that you send each month. The monthly payments are based on how many people are on the plan (individual, couple, or family), age, and which Personal Responsibility Amount was chosen.

Christian Healthcare Ministries Monthly Cost

At Christian Healthcare Ministries (CHM), the the monthly price can cost anywhere between $78 to $516.

Additional Costs

$40 administrative fee (annual)

$$ – If you choose the Brother’s Keeper Program for unlimited sharing

Christian Healthcare Ministries Personal Responsibility Amount

Christian Healthcare Ministries (CHM) has three levels of participation; Gold, Silver, and Bronze. Each level offers different levels of health cost sharing support.

The Gold Level – The Personal Responsibility Amount is $500 per incident.

Silver Level – The Personal Responsibility Amount is $2,500 per incident.

Bronze Level – The Personal Responsibility Amount is $5000 per incident.

Incident = An incident includes medical treatment or testing that lasts until one of the following events occur:

1. A certain medical condition is cured according to official medical records;
2. Treatment is at a routine maintenance routine; or
3. You experience 90 days without any kind of treatment for that particular condition. The medical bills incurred from the first test to the last treatment before the doctor releases you to a regular, routine maintenance regimen are considered a single incident. If 90 days pass and you receive no further treatment, any future bills you incur will be considered a separate incident.

Where to Learn More About Christian Healthcare Ministries (CHM)

I wrote an in-depth Christian Healthcare Ministries Review (CHM Review) where I go into more detail about what’s included with the different CHM plans.

You can also read reviews from CHM members or write your own review.