Christian Healthcare Ministries (CHM) has hundreds of participating groups—all of which are Christian organizations with an all-Christian staff. Furthermore, all group members meet other CHM membership requirements.

Advantages of CHM group membership
  • Significant savings on healthcare costs (some groups save as much as 50 percent compared to their previous health care plan)

  • Employee out-of-pocket expenses are often significantly less

  • Single-bill option for the group

  • CHM is compassionate and faithful

  • An eligible option for individuals under the Affordable Care Act (ACA)

  • Generous maternity program

  • Choose your own healthcare providers

  • No application fee or annual fee

  • No one is dropped or denied membership due to medical conditions

  • Costs are not adjusted based on medical conditions or history

  • Bill discounts often eliminate out-of-pocket expenses

  • Longevity, integrity and accountability

What is health cost sharing?

Health cost-sharing is a way to satisfy your healthcare costs and help others while upholding your Christian beliefs and sticking to your budget

Christian Healthcare Ministries (CHM), the nation’s first and longest-serving health cost sharing ministry, provides a cost-effective, accountable and faith-based framework to help fellow believers facing a health crisis. Likewise, brothers and sisters in Christ step in to help you in your time of need. Members’ pre-set monthly financial gifts to CHM are the funds used to share each other’s healthcare costs.

The ministry shares 100 percent of eligible bills and overall has shared $4.5 billion in members’ healthcare costs. CHM is also a Better Business Bureau Accredited Charity.

Getting started

For a cost analysis, please complete the form below.

We’ll respond with an email overview and can also set up a webinar presentation at your convenience. Please note that you’ll also need to consult your tax and employee benefit professionals on this topic.

For additional information please feel out the form below, also in the message section add the following info:

  • Group Name 

  • Street - City - State - Zip

  • Current cost of monthly contribution 

  • Deductibles

  • Contributions to HSA's by the employer

  • Total number of singes

  • Total number of couples

  • Total number of families 

  • When do you hope to make a plan change

CHM’s solutions will help you create a plan that affordably satisfies ACA requirements. However, your group plan must be set up properly or you can be heavily fined. Therefore, all groups should seek guidance from attorneys and CPAs knowledgeable about the law’s requirements. CHM can provide referrals to reliable, independent professionals.

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Financial 411, Robert Goldsmith, and Deanna Goldsmith are representatives of Financial Fitness & Insurance Servcies, LLC, a Nevada Corporation.  Robert has been a licensed insurance and financial professional since 1982 and is a member of the National Ethics Association and National Association of Professional Agents.  Deanna Goldsmith is also a member of the National Association of Professional agents and has earned her certificate as a National Social Security Advisor. Deanna Goldsmith has been a licensed insurance professional since 2003. Financial Fitness & Insurance Services, LLC, Robert Goldsmith, and Deanna Goldsmith do not provide legal or tax advice, any information perceived as legal or tax advice is purely consequential.  For legal or tax advice you should always consult a licensed tax advisor or attorney.