Click to compare

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• Monthly Cost

• Annual Cost + Fees

• Lifetime Coverage Amount

• Out of pocket expenses / Deductible

• Pre-existing Conditions

• Maternity

• Network

• Wellness / Routine visits

• Doctors Visit 

• ER / Hospital Copay

• Hospitalization

• Surgery

• How to submit your bills

• Medicare

• Bill submission

• CHM / Medi-share info

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​2025 & 2026 Monthly Cost (per person)

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CHM Gold: $255.00 (any age), max $1,250 personal responsibility (deductible)

Medi-share AHP 3000:   $354.00 (+ $99?) (age 40), $3,000 personal responsibility (deductible)

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CHM Details:

CHM $255.00 -  Gold Plan (no matter your age or zip code). A family of 3+ pays maximum $765 regardless size of household or age. You can add CHM+ to get an unlimited dollar amount of coverage per medical event. This adds $32 per person, up to 3 people pay. Lesser expensive plans available (Silver $148, Bronze $98, SeniorShare $115).

Note: The Silver and Bronze plans typically offer less comprehensive coverage and come with significantly higher out-of-pocket costs, making them a less favorable choice for families seeking real financial protection.

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Medi-share Details:

$354.00 -  based on 'oldest' member in house hold age 40.

$342.00 if the oldest member in the household is age 30.

Medi-Share bases the premium on your age and zip code.

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Please note that there might be an additional $99 "health coach" fee, per member, per month! Medi-share bases this on weight, cholesterol, blood pressure, diabetes and other criteria. Other plans available, less expensive but with crazy high deductibles of $6,000 - $12,000!

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Total annual cost including monthly premiums, fees and setup cost 

Deductible and copays not included

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CHM Gold with CHM+:   $3,444 per person or $10,332 per family of 3 or more

Medi-share AHP 3000:   $4,300 per person (+ coach fee $1,188?) or $12,906 per family of 3 or more (+$3,564 coach fee?)  

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CHM Details:

CHM $3,444 per year, regardless your age, -includes Gold plan including CHM+ which includes an unlimited coverage amount per medical event.

A family of three or more would pay a max premium of $10,332 per year, with a $1,250 deductible (which can be reduced) per person. This includes the CHM+ program which gives you an unlimited coverage amount per covered event. It also includes a membership of HealthTap, which is not only an online doctor for urgent care, but also an assigned primary care doctor for each family member and free access to telehealth for Women's Health, Children's Health, Men's Health, Sexual Health and Senior Health. This is pretty amazing as most teledoc platforms have only the urgent care function.

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Medi-share Details:

$4,300.50 per year, if the oldest person in the household is age 40, with a $3,000 deductible. 

$4,156.00 per year, if the oldest person in the household is age 30, with a $3,000 deductible . 

Medi-share's premiums are age, zip code and health related.

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Please note that there might be an additional $99 fee per person, per month if you are not "healthy". Medi-share bases this on weight, cholesterol, blood pressure, pre-existing conditions and other criteria. 

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Access to a telehealth doctor is included in the membership fee.

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Lifetime max Coverage Amount

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CHM Gold: Unlimited (with CHM+ add-on)

Medi-share AHP 3000:   Up to 1 Million

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CHM Details:

Unlimited coverage per medical event (Gold plan). There is no maximum, if you have the CHM+ addition (included in the pricing stated above). If you don't choose for the optional CHM+ program, the maximum coverage for the Gold plan is $125,000 per medical event (not per year, but for each individual illness or event). 

There is no lifetime max coverage.

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Medi-Share Details:

Up to $1,000,000. See also pre-existing conditions below.

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Deductible / Personal Responsibility

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CHM Gold:   $1,250 (maximum, per member, can be reduced to $0 in several ways!)​

Medi-share AHP 3000: $3,000 per family

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CHM Details:

CHM calls the deductible "Personal Responsibility", or PR. $1,250 per year, per person as long as all your total bills add up to be $1,250 or more for the medical event. This means that you have to have at least $1,250 in qualifying medical expenses before you can submit your medical event (all bills for this one medical event) to CHM. This is also called the QA, or Qualifying Amount. The Personal Responsibility can be reduced in multiple ways. See below for more info and also see FAQ. 

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Medi-Share Details:

Medi-Share calls their deductible "Annual Household Portion", or AHP. $3,000 per family per year. This means that you have to have at least $3,000 of qualifying medical expenses before you can submit your medical event to Medi-Share. Also, on top of your deductible you have additional copays for doctor visits, ER etc.

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Pre-existing Conditions Coverage

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CHM Gold: Immediate Limited Coverage 

Medi-share AHP 3000:  No coverage until year 4

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CHM Gold plan details:

Immediate limited coverage for your pre-existing condition:

• Year one $15,000 coverage

• Year two: Additional $10,000 coverage (max $25,000)

• Year three: Additional $25,000 coverage (max $50,000)

• Year four and beyond: your condition is no longer seen as 'pre-existing', so you have full coverage!

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Note: If you have a pre-existing medical event in the first 3 years, and the total bills for a covered medical event are more expensive than your pre-existing coverage, you can be added to the prayer page where many CHM members will donate money to help you with your bills. CHM members donate millions of dollars per year to other members on the prayer page to cover such expenses.​It's also important to mention that CHM defines pre-existing conditions in two sections: Active VS Maintained. If a pre-existing condition is considered "active", medical bills will not be eligible for sharing. An "active" pre-existing condition is if you have experienced signs or symptoms either before or at the time of joining CHM, and/or your condition actively needs testing or treatment other than maintenance (routine) medications, regardless of whether you have received a diagnosis. Please refer to the CHM Guidelines for more detailed information.

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Medi-Share Details:

No coverage on pre-existing conditions for 3 full years. Limited coverage after that. If you didn't had any symptoms or treatment in the last 3 years, or when you are a member for 3 full years, then you will get $100,000 coverage per year. Up to $500,000 if you didn't have any treatment or symptoms in the last 5 years, or when you are a member for 5 full years.

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​Maternity Coverage and Copay

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CHM Gold: Personal Responsibility $2,500 max (can be reduced to $2,000 or less)

Medi-share AHP 3000: $3,000 + copays

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CHM Details:

The best maternity program out there, even compared to commercial insurance. We are speaking from personal experience! Full coverage from A-Z after your Personal Responsibility (deductible) of max $2,500 which can be reduced by $500 or more if you enroll in their maternity (free) program. The standard coverage is $125,000 coverage or unlimited dollars coverage with the CHM+ program (which was included in the quotes above!). 

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Medi-Share Details:

Good coverage. It's only available to members with a Annual Household Portion (deductible) of $3,000 + copays. So your out-of-pocket expenses are at least $3,000.00 + all your copays. Maximum coverage is $125,000.

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Am I restricted to a Network? 

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CHM (any plans): No network restrictions

Medi-share (any plans): Restricted network

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CHM Details:

No network. See any doctor and choose any medical facility/hospital/surgery center you like! There are no network restrictions.

 

NEW: CHM does offers a reduced cost program for qualifying procedures or surgeries. If you qualify for the (formerly called ACS - Advantage Care Solutions) ACAC - Complete Surgical Care Solutions. CSCS is designed to provide members undergoing qualifying procedures or surgeries for diagnosed medical conditions with access to high quality care and support. This program is available at no extra charge. By participating in CSCS, members receive a credit towards their unit's Personal Responsibility (deductible) for the year, reducing their out of pocket expenses.​​​​

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Medi-Share Details:

Medi-Share has their own network, however you can choose to go out of network but you end up paying around 20% or more out of pocket, per bill. 

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Are Wellness / Routine Visits Covered?

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CHM Gold: Yes, limited

Medi-share AHP 3000: Yes, limited

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CHM Details:

Yes, for the Gold plan; however, only covered if your total bills (visits, labs, test, etc.) are over $1,250 (which is the Qualifying Amount) for all bills together regarding this medical event. If your routine visit is less than $1,250 for all bills together, there is no coverage (you typically get great "self-pay" discount at most offices. Click here for detailed information). Many tests, like Endoscopy, Colonoscopy etc. are covered less your $1,250 Personal Responsibility (deductible), assuming that the total bills (including first visit and follow up visit, and everything in between) are over $1,250. 

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Medi-Share Details:

If your routine checks out 'all healthy', there is no coverage (you typically get great "self-pay" discount at the doctor's office). If you need medical testing done, you are responsible for your deductible $3,000 + copays.

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Doctor's office visit coverage

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CHM Gold: If over $1,250 total bills for visit and testing (etc.) then you are covered. FREE unlimited teledoc (online) visits

Medi-share AHP 3000: $35 + unknown cost, see details below. Free unlimited Teledoc (online) visits

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CHM Details:

For Gold plan members: If your total bills for a medical event are over $1,250 (due to blood work, x-rays, follow up visit etc.) you will be covered less your deductible. For regular "routine" doctors visits, there is no coverage, unless it turns into a medical event and the total expenses for everything from A to Z adds up to be $1,250 or more. You typically get a great self-pay discount at most medical facilities/offices, see "money saving tips: on next page and FAQ. Also Free 24/7 access to Teleheath doctors.

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Medi-Share Details:

Medi-Share has a copay of $35.00 when you go to an in-network doctor. However you still get billed later on from the doctor's office for the remaining amount. The $35 is applied towards  your total bill. The total doesn't count towards your 'deductible'

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Can I talk to a doctor online (telemedicine)

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CHM Gold: Yes, free unlimited telemedicine, amazing extended platform

Medi-share AHP 3000: Yes, free unlimited telemedicine

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CHM Details:

Included for every CHM member. CHM members can connect with doctors free of charge over the phone or through video chat. Telemedicine provides a practical solution for a wide range of non-emergency conditions. You will have easy 24/7 access to US licensed physicians. Their enhanced platform include not only urgent care visits, but you can also assign yourself a primary doctor, and there are doctors available for

• Urgent Care

• Women's Health

• Children's Health

• Men's Health

• Sexual Health

• Wellness, Prevention & Lifestyle

• Travel Medicine

• Senior Health

• Mental & Behavioral Health

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Dental and vision are not included, however see FAQ for some great advice and tips regarding Dental and Vision. 

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Medi-Share details:

Included with Medi-share as a discount plan, from Carington.com. For regular doctors visits you typically get a great self-pay discount, see "money saving tips" on the next page. Dental and vision are not included, however see FAQ for some great advice and tips regarding Dental and Vision. 

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ER and/or Hospitalization Deductible / Copay

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CHM Gold: $1,250 deductible

Medi-share AHP 3000: $3,000 deductible + copay

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CHM Details:

$1,250 deductible. Your bill has to be over $1,250 to be covered (it will cost way more than $1,250 for the ER). Typically the ER / Hospital has a "self-pay policy" in place. Just tell them you are self pay and ask if you get a discount. In meanwhile setup a payment plan so you can make monthly payments until CHM reimburses you.

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Medi-Share details:

Copay of $200.00 when you go to the ER. You are responsible for your 'deductible' as well ($3,000+) in this example. So your minimum out of pocket expenses are at least $3,200.

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Hospitalization in/out patient included?

 

CHM Gold:  Yes

Medi-share AHP 3000: Yes

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CHM Details:

Yes included. Your annual deductible/Personal Responsibility is $1,250. Submit your bills easily online if your total bills for this medical event are over $1,250.

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Medi-Share Details:

Yes included, you are responsible for your copays and deductibles (in this example there is a $3,000+ deductible)

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Is Surgery covered?

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CHM Gold: Yes

Medi-share AHP 3000: Yes

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CHM Details:

Yes, surgery is covered. The total bills have to be $1,250 or more before CHM will pay (what surgical bill is below $1,250 anyways?). So if your total bills are more than $1,250 (including initial doctors visit, lab, testing, surgery, anesthesia, follow up visits etc.) for the surgery, you are covered, less your $1,250 deductible. Say your total bills are $10,000. CHM will pay $8,750 unless you already have met your deductible earlier in the year. In that case CHM will pay the full $10,000.

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CHM does offers a reduced cost program for qualifying procedures or surgeries. If you qualify for the (formerly called ACS - Advantage Care Solutions) ACAC - Complete Surgical Care Solutions. CSCS is designed to provide members undergoing qualifying procedures or surgeries for diagnosed medical conditions with access to high quality care and support. This program is available at no extra charge. By participating in CSCS, members receive a credit towards their unit's Personal Responsibility (deductible) for the year, reducing their out of pocket expenses.​​​​

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Medi-Share details:

You will pay at least your 'deductible' of $3,000+ and co-pays.

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How to submit your medical bills

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CHM: Super Easy, user-friendly online portal submission

Medi-share: Facility will bill for you. Limited network

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CHM Details:

Super easy online system. Fill in the short and easy online forms, scan (or make a picture) of your itemized receipts and upload them to the portal.

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Medi-Share details:

If you choose an in-network provider, they will bill for you. However it's a limited choice you have from in-network providers. If you go out of network they have an easy online system. Fill in the online forms, scan in your receipts and submit them with the claim form.

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Medicare

Both Medi-Share and Christian Healthcare Ministries CHM are compatible with Medicare, which can serve as supplemental plans. If you're enrolled in Medicare, CHM and Medi-Share function as secondary coverage. CHM’s SeniorShare program specifically helps cover the 20% of eligible medical expenses that Medicare doesn’t pay. To receive assistance, simply submit your Medicare statement—no need to track individual receipts. Plus, with SeniorShare, your annual deductible drops to just $500 (compared to the standard $1,250), and monthly contributions are significantly more affordable. For additional details, please refer to the FAQ.

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Christian Healthcare Ministries Info:

Year organization started: 1981. Christian Healthcare Ministries is a well organized, non-profit organization with a financial stable history. They haven't missed any eligible payments because of financial issues. They have shared over 1 billion dollars in medical bills!

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Medi-Share Info:

Year organization started: 1993. This is a well organized, not for profit organization with a financial stable history. They are a lot more commercial and have stricter policies. They spend a lot of money on advertising which is very costly, and technically you (the members) are the one paying for that.

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