CHM has operated since 1981 — before most of the modern sharing industry existed. OneShare Health is among its newest entrants, with contemporary plan-style design and entry pricing from $115 a month. Both ministries publish their pricing openly, which puts them ahead of the industry on transparency. But their cost structures protect you in very different places.
| CHM (Christian Healthcare Ministries) | OneShare Health | |
|---|---|---|
| Founded | 1981 | — |
| Headquarters | Barberton, OH | — |
| Monthly price range | $115–$299 per unit/mo (Bronze–Gold, 2026); SeniorShare $119 | From $115/mo (individuals, Catastrophic program) |
| Initial unshared amount | Personal Responsibility: $1,250 (Gold), $3,000 (Silver), $6,000 (Bronze) | ISA options: $5,000 / $7,500 / $10,000 |
| Per-need sharing limit | $125,000 per illness; CHM Plus add-on raises limits (unlimited on Gold) | Classic tiers: $250,000–$1,000,000 lifetime maximum |
| Programs | Gold, Silver, Bronze, SeniorShare, CHM Plus add-on ($42/unit) | Catastrophic, Classic (multiple tiers) |
| Faith requirements | Statement of faith | Statement of faith |
Data verified as of September 2026. Confirm current pricing and guidelines with each ministry directly.
Full CHM profile · Full OneShare Health profile
How the models differ
CHM’s protection comes through its add-on architecture: base sharing caps at $125,000 per illness, and the $42/unit CHM Plus add-on raises that — to unlimited on Gold. There’s no lifetime cap quietly consuming your protection. OneShare’s protection comes through tier choice: Classic tiers carry lifetime maximums of $250,000 to $1,000,000, and an ISA of $5,000–$10,000 shapes your monthly cost. CHM’s Personal Responsibility applies per medical incident; OneShare’s ISA applies per its program terms. Neither structure is worse — they just fail differently in a bad year, and that’s what you’re choosing between.
Who each one suits
CHM strengths
- The oldest sharing ministry in America (founded 1981)
- Transparent unit pricing: $115–$299/unit (2026), published plainly
- CHM Plus add-on ($42/unit) lifts per-illness caps — unlimited on Gold
CHM watch-outs
- Base sharing caps at $125,000 per illness without CHM Plus
- Personal Responsibility applies per medical incident
- No provider network — members handle provider billing directly
OneShare Health strengths
- Low published floor: programs start at $115/mo for individuals
- ISA options ($5,000/$7,500/$10,000) to match your budget
- Plan-style tiers feel familiar to people coming from insurance-era coverage
OneShare Health watch-outs
- Lifetime sharing maximums ($250K–$1M on Classic) can be consumed by one serious illness
- Fine print includes visit fees and program-year limits on some services
- A newer ministry with a shorter track record than the veterans
The verdict
CHM’s 45-year track record and raisable per-illness caps make it the more conservative pick — especially with CHM Plus on Gold, which publishes unlimited per-illness sharing. OneShare suits budget-focused members who like tier choice and understand what a lifetime maximum means. Either way, price the exact household you’re insuring, not the advertised floor.
Disclosure: this site is published by Anglican Care, a healthcare sharing ministry. We publish the same data categories for every ministry we cover, including our own — and these comparisons can lead you to another ministry without us. Data verified September 2026; ministries change pricing and guidelines regularly, so confirm current terms before joining.