Paul Sanchez
Faith-based insurance is an alternative to traditional insurance that has gained popularity among Christian individuals and families. These companies operate on the principle of healthcare sharing, where members contribute financially to support one another's medical expenses. Christian health insurance companies provide health coverage that aligns with faith-based beliefs and offer a sense of community to their members. While these companies are not federally regulated, they have established themselves as trustworthy entities within the industry. Popular Christian insurance companies include Medi-Share, Samaritan Ministries, Christian Healthcare Ministries, Liberty HealthShare, and Sedera.
| Characteristics | Values |
|---|---|
| Name | Christian Healthcare Ministries (CHM) |
| Year founded | 1981 |
| Monthly cost | $98 to $255 |
| Members | In all 50 states and around the world |
| Programs | Four different flexible programs |
| Cost sharing | Shares 100% of eligible medical bills |
| Total healthcare costs | Over $12 billion |
| Regulatory requirements | Not federally regulated |
| Maternity coverage | Restricted |
| Membership fees | No application or annual fees |
| Qualification | Members must meet qualifications and requirements |
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What You'll Learn
Christian Healthcare Ministries (CHM)
CHM is not a traditional insurance company, but rather a community of like-minded Christians who voluntarily share the burden of each other's medical expenses. This approach is based on the biblical principle found in Galatians 6:2. Members of CHM contribute financially to support each other's medical costs, fostering a sense of belonging and support.
CHM offers four different flexible programs with monthly costs ranging from $98 to $255, depending on the chosen program. These programs are tailored to meet the healthcare needs of individuals at every stage of life, providing an affordable alternative to traditional insurance plans. It is important to note that CHM is not subject to the same regulatory requirements as insurance companies, and members may have less financial protection if a claim is not paid.
CHM shares 100% of eligible medical bills and has satisfied over $12 billion in members' healthcare costs. The organisation has gained recognition for its commitment to Christian values and biblical principles in its coverage plans. It provides a sense of community and peace of mind for individuals seeking faith-based protection for their healthcare needs.
CHM is an independently accredited and federally certified healthcare cost option. While it operates differently from traditional insurance companies, it has established itself as a trustworthy entity within the industry, with a reliable track record of providing dependable services.
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Medi-Share
Faith-based insurance companies, also known as "health care sharing ministries", provide health coverage that aligns with the beliefs of Christians. These companies operate on the principle of healthcare sharing, where members contribute financially to support each other's medical expenses. While these plans are not insurance and do not have the same regulatory requirements as insurance companies, they offer flexibility, affordability, and a sense of community for their members.
One of the popular Christian insurance companies is Medi-Share, a non-profit health care sharing ministry of Christian Care Ministry, Inc ("CCM"). Medi-Share has been in operation for over 30 years, pursuing a biblical model of sharing for the Christian community. Their programs are tailored to meet the healthcare needs of individuals at every stage of life, providing high-quality care at an affordable cost. On average, members save up to 50% on their healthcare costs compared to insurance.
Overall, Medi-Share is a reputable and reliable option for Christians seeking health coverage that aligns with their faith-based beliefs. With high satisfaction rates, affordable costs, and a strong commitment to biblical principles, Medi-Share offers a unique and valuable service to its members.
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Samaritan Ministries
Christian health-sharing ministries, also known as "health care sharing plans", "healthshare", "medical cost sharing", or "health care sharing ministries", are a legal way for like-minded groups to pool their resources to share the burden of healthcare costs. They are not insurance and do not have the same regulatory requirements or financial assets as insurance companies.
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Liberty HealthShare
While Liberty HealthShare has received positive reviews for its kind and knowledgeable customer service, there have also been reports of members being left with unpaid medical bills, resulting in debt and financial ruin. It is important to note that health care sharing ministries are not federally regulated and do not have the same regulatory requirements or financial assets as insurance companies. As a result, members may have less financial protection if a claim isn't paid or the company faces financial difficulties.
Overall, Liberty HealthShare provides a community-oriented approach to healthcare, rooted in Christian principles, but it is essential to understand the potential risks and limitations compared to traditional insurance.
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Sedera
Christian health insurance, also known as health care sharing plans, healthshare, medical cost sharing, or health care sharing ministries, is a legal way for like-minded groups to pool their resources to share the burden of healthcare costs. It is not insurance, and it is not federally regulated.
In 2025, California Attorney General Rob Bonta announced a $1.3 million settlement with Sedera, Inc. (Sedera) and Sedera Medical Cost Sharing Community, LLC (SMC) due to allegations of selling sham health insurance plans to over two thousand Californians. The settlement prohibited Sedera and SMC from marketing, selling, or operating any health plans in California.
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Frequently asked questions
A Christian-based medical insurance company, sometimes called "Christian ministry health insurance", is a community-based approach to healthcare that fosters a sense of belonging and support among members. It is built upon faith and community, not profit, and members contribute financially to support each other's medical expenses.
Some popular Christian-based medical insurance companies include Medi-Share, Samaritan Ministries, Christian Healthcare Ministries, Liberty HealthShare, and Sedera.
When considering a Christian-based medical insurance provider, it's important to choose one that aligns with your specific beliefs and values. It is also worth noting that these companies are not federally regulated and may not offer the same level of financial protection as traditional insurance companies.
