When it comes to paying for healthcare, many people assume health insurance is the only option. While health insurance can certainly be beneficial, is it always the best way to manage your healthcare costs? Let’s take a moment to think outside the box and consider some key questions about health insurance.

#### __Does Your Health Insurance Meet Your Needs?__

Here are a few important questions to ask yourself about your current health insurance:

- __Do you have the freedom to choose your own providers?__ You may have a preferred doctor or specialist that isn’t in your network, making it difficult or expensive to see them.
- __Is your plan affordable?__ High monthly premiums and deductibles can be overwhelming, especially if you struggle to meet those costs.
- __Does the company’s policies align with your Christian values?__ You may find yourself questioning whether your provider’s practices reflect your beliefs.

These are essential factors to consider when evaluating whether your current health insurance plan truly meets your needs.
#### 
#### __Healthcare with More Freedom and Flexibility__

Wouldn’t it be great to avoid the hassle of pre-approvals or worrying about whether a facility is in your network, especially in an emergency? Imagine if healthcare decisions were made solely between you and your doctor, without interference from an insurance company.

Wouldn’t it also be helpful to have control over your healthcare costs? Many people wish they could negotiate rates directly with their healthcare providers, benefiting both parties.

And what about health plan mobility? If you change jobs or even start your own business, wouldn’t it be ideal to keep your healthcare plan with you?

#### __Christian Medical Cost Sharing__

This type of healthcare freedom exists. It’s called medical cost sharing, and specifically, __Christian medical cost sharing__ is an excellent option for those looking for an alternative to traditional health insurance.

__[Christian Healthcare Ministries (CHM)](https://chministries.org/info-pack/?hsCtaTracking=a1d865ee-68d9-42ca-af69-b1d362723b82%7Caea8c871-b92e-4d02-a4fd-f8deb79957c4&utm_campaign=spsr_faithfi&utm_source=faithfi&utm_medium=faithfi_partner_landing_page_info_pack_button_chm_info_pack&utm_content=info_pack)__ is a pioneer in this space, having offered medical cost-sharing plans since 1981. Over the years, CHM members have shared more than $11 billion in medical expenses, making it a reliable and affordable alternative to health insurance.

#### __Benefits of Christian Medical Cost-Sharing__

Here’s what makes Christian medical cost-sharing so appealing:

- __Substantial Provider Discounts:__ CHM members often receive significant discounts by being “self-pay” patients, eliminating the need for insurance paperwork. In 2023 alone, CHM members benefited from over $670 million in discounts.
- __Affordable Alternative:__ Many members find CHM’s medical cost-sharing plans are much more affordable than typical health insurance premiums and deductibles.
- __Christian Foundation:__ Most importantly, CHM is founded on Christian principles, with Galatians 6:2 at the heart of its mission: *“Bear one another's burdens, and so fulfill the law of Christ.”* Prayer is a significant part of the CHM experience, with members and staff praying for one another during calls and through shared healthcare journeys.

If you’re ready to take control of your healthcare decisions with an organization that reflects your Christian values, consider exploring [Christian Healthcare Ministries (CHM)](https://chministries.org/info-pack/?hsCtaTracking=a1d865ee-68d9-42ca-af69-b1d362723b82%7Caea8c871-b92e-4d02-a4fd-f8deb79957c4&utm_campaign=spsr_faithfi&utm_source=faithfi&utm_medium=faithfi_partner_landing_page_info_pack_button_chm_info_pack&utm_content=info_pack). It’s a trusted, affordable, and faith-based solution to managing healthcare costs.

You can also __[listen](https://www.faithfi.com/search?q=Take%20Charge%20of%20Your%20Healthcare%20With%20Lauren%20Gajdek&videos=true&articles=true&podcasts=true&posts=true&groups=true&events=true&support=true)__ to the related podcast on this topic.

FaithFi

Articles

When it comes to paying for healthcare, many people assume health insurance is the only option.

MANAGE | Oct 28, 2024

Is Christian Medical Cost Sharing Right For Me?

By: Jim Henry

Where Faith Meets Finance

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