A biblical covenant,
not a contract
How it works
CHM is a faith-based alternative to health insurance. It’s a membership-based, nonprofit ministry. As part of a biblical covenant, CHM members step in and help fellow brothers and sisters in Christ pay eligible medical bills according to the CHM Guidelines.
Choose from one of four programs—CHM Gold, CHM Silver, CHM Bronze, or CHM SeniorShare™—and add CHM Plus as an option to protect against catastrophic medical bills.
For Maryland residents only: Learn additional information regarding CHM membership for Maryland residents here.
Flexible healthcare that meets you where you are.
Join today with anytime enrollment.
You can apply for CHM membership by completing our secure online application. CHM has no waiting period, so your start date can be as soon as the same day you apply. Click here to learn about our pre-existing conditions policy.
CHM values
A BIBLICAL Option
Stewardship in the Bible means acting with integrity, which is one reason we have sought and earned independent accreditation. As stewards of our members’ financial resources, our faith-driven programs are uniquely cost-effective.
Guided by our values of respect, service, accountability, excellence, and gratitude, we prioritize faith in all we do. Compare health insurance plans or other healthcare options to CHM’s programs and discover your potential savings!
What happens after joining?
You’ll officially be part of the CHM family, working alongside your fellow believers to alleviate the burden of eligible medical bills. Essential membership items will be sent within two to three weeks of your application, and you’ll gain access to the Member Portal!
CHM is different by design. As a new member, you’ll experience freedom, flexibility, and faith in healthcare. To explore all the benefits of joining, download your free Information Pack.
Your questions answered
We’ve gathered some of our most commonly asked questions about CHM and joining our biblical community.
If you have more questions about how we work, the cost sharing process, or the advantages that CHM offers you, explore our frequently asked questions.