3 Tips and Biblical Wisdom for Navigating Healthcare Costs

Does the word “budgeting” strike fear into your heart? What about “healthcare options”? Putting those two phrases together can be difficult for even the seasoned professional to navigate.

Have no fear—financial planning from a biblical perspective is possible! Follow these three budgeting tips to take the stress out of preparing for your healthcare costs:

Tip 1: Plan ahead

There is no better time to start budgeting for healthcare than the present. They say the best defense is a good offense, and by planning early and comparing options, great healthcare can be achievable and pain-free.

Among many other passages about provisions in the Bible, Proverbs 6:6-8 addresses the importance of taking preventative measures in order to reach long-term goals. When we plan ahead for future seasons, we are being good stewards of the resources God has given us.

Tip 2: Consider your values

With so many choices available today, finding the best healthcare option for your family can be overwhelming. Considering and evaluating your values can help you make decisions that are oriented with biblical principles.

Not sure where to start? Look at where you spend the majority of your resources. The choices you make—including how you budget—are a direct reflection of what you value (Matthew 6:21).

By making a list of your family’s principles and goals, you gain a clearer picture of where to spend moving forward. Better values lead to improved choices, stronger outcomes and lower overall healthcare costs.

Tip 3: Pray for wisdom

Starting and ending our decision-making processes with prayer gives God room to speak into them.

When we ask God for guidance and spend time in His Word, He will impart the wisdom and discernment we need to maintain an organized healthcare budget (James 1:5).

Discovering what God says about our finances frees us from worry and allows us to plan for future needs with clarity. Focusing solely on our investments distracts us from what truly matters—spending time with Him (Matthew 6:24). Crafting a manageable strategy that asks God for wisdom at the forefront will free us from the pressure of future financial burdens.

James 1:17 states that all good and perfect gifts come from God, and our finances are no exception. By planning early, evaluating our values and continually asking God for wisdom, we honor the financial gifts we’ve been given and successfully budget for our healthcare costs.

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If you're a Christian looking for a cost-effective, accountable and faith-based framework to satisfy your healthcare costs and help fellow believers, consider joining Christian Healthcare Ministries (CHM). Christian Healthcare Ministries isn’t insurance, and doesn’t use insurance agents. We are a group of hundreds of thousands of Christians around the world who pray for and encourage one another and who share each other’s burdens in the area of healthcare costs. Learn more.