CHM membership
Level-based Christian sharing with a personal-responsibility amount per illness.
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.
- Consumer brand
- CHM
- Underlying sharing organization
- Christian Healthcare Ministries
- Administrator
- Christian Healthcare Ministries
- Underlying program group
- chm-core
- Editorial score
- 76 (2026.1)
- Reviewed
- 2026-08-27
Guideline facts
- Monthly share
- Bronze / Silver / Gold-style levels. Confirm current ministry amounts.
- Member responsibility
- Personal responsibility per illness (not always a single IUA). Confirm current literature.
- Pre-existing
- Limitations and waiting rules apply. Confirm current guideline.
- Waiting periods
- Yes, for specified needs.
- Maternity
- Guideline-specific; often includes waiting periods.
- Limits
- Level-based sharing limits apply.
- Cancellation
- Ministry membership rules.
- SourceCHM public siteEffective 2026-08-27Reviewed 2026-08-27