2025 Update Compare Christian Healthcare Ministries CHM to Compare Medishare Medi-share FAQ TIPS MORE
Compare & Review Health Insurance Plans & Alternative Health Insurance options for 2026
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The conclusion of our research to affordable, quality health 'insurance':
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Christian Healthcare Ministries - CHM's Gold Plan, Silver or Bronze plan
After 10+ years as members of Christian HealthCare Ministries' Gold Plan, we can confidently say: this is the most affordable, reliable alternative to traditional health insurance—without the burden of high deductibles.
From the births of our sons in 2016 and 2020 to ER visits, surgeries, and even a hospitalization in 2025, we've submitted 14+ claims—and every single one was paid in full and not a single bill was denied.
As of 2022, the Gold Plan includes a $0–$1,250 Personal Responsibility amount (similar to a deductible), making it a transparent, budget-friendly solution for families seeking quality care without financial strain.
Why We Chose Christian Healthcare Ministries – Gold Plan
The most affordable, flexible, and transparent alternative to traditional health insurance—backed by 10+ years of personal experience.
🏥 Freedom of Choice
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Use any doctor, specialist, hospital, or medical facility—no networks, no restrictions
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No limitations based on age, weight, height, or zip code
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Medicare members welcome—no need for costly secondary insurance
💰 Affordable & Predictable Costs
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Low monthly cost—nearly $9,000 less than Medi-Share over a 5-year period
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$0–$1,250 annual Personal Responsibility (similar to a deductible)
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No hidden fees—every Gold member pays the same rate, regardless of your age
👶 Exceptional Maternity Coverage
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Maternity deductible: $2,500, can be reduced to $2,000 or less!
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Includes prenatal, delivery, and postpartum care
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Supportive care from a faith-based community
🛠️ Comprehensive Benefits
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Free Complete Surgical Care Plan—Reduces or eliminates your deductible
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Coverage may include travel and lodging for medical care
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Pre-existing conditions covered (see FAQ)
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Unlimited 24/7 online doctor visits, including
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Dedicated PCP of your choice
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Urgent Care Now
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Specific Needs
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Woman's Health
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Children's Health
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Men's Health
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Sexual Health
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Mental & Behavioral Health
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Manage Your Condition
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Wellness, Prevention & Lifestyle
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Travel Medicine
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Medications, therapy, and home healthcare included
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Cataract surgery, colonoscopy, SNF rehab, congenital conditions—all covered after your Personal Responsibility is met
🙌 Ease & Support
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Easy & Simple online claim submission
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Transparent, easy-to-read guidelines (see FAQ below)
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Outstanding customer care—CHM staff truly care
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Spiritual support—members uplift one another like a church family
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Financially stable nonprofit since 1981
We’ve done the math, lived the experience, and shared the results. Watch our YouTube videos for real numbers and real stories.
Why Reputation Matters in Health Sharing
In recent years, the health sharing landscape has become crowded with new organizations—many of which are highly commercial, aggressively marketed, and lacking long-term financial stability. Flashy ads on radio, TV, and social media may look appealing, but those costs are often baked into your monthly share.
Unlike these newcomers, Christian Healthcare Ministries (CHM) stands apart as a trusted, non-profit Christian organization with over four decades of proven service. Founded in 1981, CHM has built a reputation for integrity, transparency, and member-first care—without the noise or gimmicks. If you're looking for a health sharing ministry that puts people before profit, CHM’s Gold Plan is the clear choice.