Compare 2 options

Side by side, row by row. Health sharing prices are national.

Health sharing is not insurance

  • No guarantee. Sharing is voluntary. The program can decline to share a bill, and payment of your medical bills is not guaranteed.
  • Not regulated as insurance. ACA consumer protections do not apply, and you cannot get ACA premium tax credits for it.
  • No legal yearly cap. There is no out-of-pocket maximum. Each new medical need can mean paying the amount you pay first (the IUA) again.

Every difference, side by side

RowChristian Healthcare MinistriesSilverRemoveChristian Healthcare MinistriesBronzeRemove
What it isNot insuranceHealth sharing programNot insuranceHealth sharing program
WhereNationalNational
LevelSilverBronze
Monthly price (age 40)$169National price; no tax credits$115National price; no tax creditsLowest
Deductible / amount you pay first$3,000Per medical need (IUA); can repeat$6,000Per medical need (IUA); can repeat
Out-of-pocket maximumNone: no legal capNone: no legal cap
One bad year$5,02812 × monthly + one IUA; more needs cost more$7,38012 × monthly + one IUA; more needs cost more
Are your bills paid?Not guaranteed: sharing is voluntaryNot guaranteed: sharing is voluntary
Pre-existing conditionsOften excluded or limitedOften excluded or limited
Tax credits (subsidies)Not availableNot available
Yearly or lifetime dollar limits$125,000 per illness (more with CHM Plus add-on)$125,000 per illness (more with CHM Plus add-on)
Network typeNot listedNot listed
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Official pagesProgram page ↗Program page ↗
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Green = lowest in that row. Plans from different counties can be compared, but your real price depends on where you live.

Add a health sharing option for contrast (not insurance)