The Positive Christian introduces CHM
Healthcare costs.
Shared with faith.
Discover Christian Healthcare Ministries, a nonprofit where Christians help share one another’s eligible medical bills.
Explore CHM & Save 50%* →CHM is health cost sharing, not health insurance. Sharing is subject to CHM Guidelines and is not guaranteed.
We may receive a referral benefit when you join through our link.
- ✓Faith-based sharing
- ✓Anytime enrollment
- ✓No provider network restrictions
Explore the monthly costs
A different approach to healthcare costs.
Compare the monthly amounts below, then review the programs and Guidelines to see whether CHM fits your needs.
CHM Bronze
$115
Per unit, per month
An individual is one unit
- Voluntary health cost sharing
- $6,000 Personal Responsibility
- Optional CHM Plus costs extra
ACA Bronze insurance
$511
2027 U.S. average
Lowest-cost Bronze premium
- Health insurance premium
- Age-40 comparison, before subsidies
- Your actual premium may differ
These are different products with different benefits. This is not an equivalent-coverage comparison or a promise of savings. CHM is not insurance, and sharing is not guaranteed. The CHM amount is the base Bronze contribution per unit, excluding optional CHM Plus; household contributions depend on participating members. The insurance amount is KFF’s 2027 national average lowest-cost ACA Bronze premium for a 40-year-old, before premium tax credits. Actual premiums vary by location, age, plan, and subsidy eligibility. Sources: CHM program information and KFF State Health Facts; checked November 12, 2026.
Explore CHM Programs →Hear from members
Their stories. In their own words.
The basics
How health cost sharing works.
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Choose your provider
CHM has no provider network restrictions. Care must meet the ministry’s standards and eligibility requirements.
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Submit medical bills
Upload your bills through CHM’s Member Portal. CHM reviews them according to its Guidelines and your program.
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Eligible costs are shared
Approved expenses are shared according to your program, Personal Responsibility, and applicable limits. You remain responsible for your medical bills.
Before you decide
A few helpful answers.
Is CHM health insurance?
No. Christian Healthcare Ministries is a nonprofit health cost-sharing ministry. Members voluntarily help share eligible medical bills according to CHM Guidelines. Sharing is not guaranteed, and members remain personally responsible for their medical bills.
Which programs are available?
CHM offers Bronze, Silver, Gold, and SeniorShare. Monthly contributions, Personal Responsibility, eligibility, and sharing limits differ by program. Optional CHM Plus provides additional sharing support under its own Guidelines. Review the current program information with CHM before joining.
What about pre-existing conditions?
CHM has specific rules, limitations, and programs for pre-existing conditions. Review the current Guidelines and ask CHM about your situation before joining. Membership also has Christian faith and lifestyle requirements.
How does the 50% welcome offer work?
Join through our referral link to receive CHM’s welcome credit of 50% off one monthly contribution. Eligibility and offer terms apply. The Positive Christian may receive a referral benefit when you join through our link.
A welcome offer for our community
Explore CHM.
Start with 50% off.*
Learn about the programs and use our referral link when you’re ready to join.
Explore CHM & Save 50%* →*Receive a 50% welcome credit toward one monthly contribution when you join through our referral link. Eligibility and terms apply.
CHM is a nonprofit health cost-sharing ministry, not an insurance company. Membership is not insurance. Medical bill sharing is voluntary, subject to CHM Guidelines, and not guaranteed. Members remain personally responsible for their medical bills. Program eligibility, Personal Responsibility, sharing limits, and pre-existing condition rules apply. The welcome offer is provided through CHM’s Refer-a-Friend program and is subject to its terms. The Positive Christian may receive a referral benefit when you join through our link.
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