Compare & Review Health Insurance Plans & Alternative Health Insurance options for 2026

🩺 CHM Health Cost Sharing Plans Overview

Christian Healthcare Ministries (CHM) offers four distinct membership levels to meet a range of healthcare needs and budgets:

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⭐ Gold Plan: Full Coverage, Maximum Support

The Gold Plan offers the most complete benefits—similar to traditional insurance—covering both routine and incident-based care.

✅ Included Services

• Hospitalization & surgery

• Urgent care & medical testing

• Maternity (mother & baby)

• Lab work & radiology

• Physical therapy & home health care

• Incident-related doctor visits & prescriptions

• Routine checkups

• Amazing Telemedicine visits

  • Choose your PCP​

  • Urgent Care Now

  • Women's Health

  • Children's Health

  • Men's Health

  • Senior Health

  • Mental & Behaviour Health

  • Sexual Health

  • Manage your Condition

  • Wellness, Prevention & Lifestyle

  • Travel Medicine

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💰 Monthly Cost

1 Member-----$255

2 Members----$510

3+ Members--$765

Families of 3 or more pay no more than $765/month. CHM+ not included in base pricing.

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📉 Personal Responsibility

• $1,250 per year (after discounts)

• Once met, eligible bills are shared in full

 

🎁 Additional Gold-Level Benefits

• Excellent (the best!) maternity program

• Greater support for pre-existing conditions

• Assistance with medical equipment & transportation

• Unlimited sharing with CHM+ add-on

 

 

⚖️ Silver Plan: Hospitalization & Surgery Focused

This plan is designed for major medical events like inpatient and outpatient surgery. They do not include routine care or maternity benefits.

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💰 Monthly Cost

1 Member-----$148

2 Members----$296

3+ Members--$444

Families of 3 or more pay no more than $444/month. CHM+ not included in base pricing.

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📉 Personal Responsibility

• $3,000 per year (after discounts)

• Once met, eligible bills are shared in full

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⚖️ Silver & Bronze Plans: Hospitalization-Focused

These plans are designed for major medical events like inpatient and outpatient surgery. They do not include routine care or maternity benefits.
 

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Hospitalization & surgery

BronzeLowest cost$6,000 per incidentHospitalization & surgery

Silver and Bronze members can add Brother’s Keeper to increase their per-illness sharing limit by $100,000/year, up to $1 million.

👵 SeniorShare Plan: Medicare-Friendly Support

Tailored for seniors with Medicare Parts A & B, this plan offers:

• $500 personal responsibility per incident

• Affordable monthly share

• No need for costly secondary insurance

🔍 What Is a “Medical Incident”?

A medical incident refers to any illness, accident, or health event. All related care—from diagnosis to recovery—is considered part of the same incident.

🏆 Why Choose the Gold Plan?

If you're looking for coverage that mirrors commercial insurance—with added flexibility and faith-based support—the Gold Plan is the clear leader. It’s especially valuable for:

• Families

• Chronic condition management

• Maternity care

• Frequent doctor visits

• Prescription support

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