Best Health Insurance Options for the Self-Employed

Christian Healthcare Ministries

Christian Healthcare Ministries (CHM) claims to be the first and longest-serving health cost sharing ministry. They’ve shared more than $3.5 billion in members’ medical bills. It’s available in all 50 states as well as countries outside of the U.S.

There are three program options to choose from – Gold, Silver, or Bronze. Your monthly premium and maximum out-of-pocket costs will depend on which option you select. There’s also an optional Brother’s Keeper program to protect against catastrophic medical bills.

Limitations do apply for pre-existing conditions so keep that in mind when looking at this as an option. The ministry does have a pre-existing condition program but there are certain conditions that need to be met before you’re accepted and your bills are shared.

CHM does not cover dental, vision, hearing, or chiropractic care. For dental and vision discounts, CHM recommends that members join the Careington LivingWell Plan, but this will be an additional monthly expense.