MPB Health vs Christian Healthcare Ministries
CHM is a faith-based ministry with level pricing and a long public history. MPB is secular with an IUA-style design.
Health sharing is not insurance. Programs are not legally required to pay medical expenses and do not have to provide Affordable Care Act protections. NAIC consumer guidance.
Faith
CHM requires Christian attestation. MPB does not. Mixed-faith households usually cannot treat these as substitutes.
Member responsibility
CHM often uses a personal-responsibility amount per illness plus levels. MPB uses IUA options. Do not call either a deductible.
History versus fit
CHM’s operating history scores well. Longevity is not a payment guarantee.
Health Sharing Report has a commercial relationship with MPB Health. We may be compensated when a reader requests an MPB quote. That relationship does not change editorial scores. How we make money.