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Dave Ramsey Christian Health Insurance: What You Need to Know


Dave Ramsey is a well-known financial advisor who often recommends Christian health sharing ministries as an alternative to traditional health insurance. Christian health sharing ministries are not insurance companies, but rather faith-based organizations that allow members to share each other’s medical expenses.

There are several different Christian health sharing ministries available, and each has its own set of rules and regulations. It is important to research different ministries before choosing one.

Here are some things to consider when choosing a Christian health sharing ministry:

  • Cost: Christian health sharing ministries typically cost less than traditional health insurance plans. However, the cost will vary depending on the provider and the plan you choose.
  • Coverage: Christian health sharing ministries typically cover a wide range of medical expenses, including doctor visits, hospital stays, and prescription drugs. However, there may be some exclusions, so it is important to read the plan carefully.
  • Flexibility: Christian health sharing ministries typically offer more flexibility than traditional health insurance plans. For example, you may be able to see any doctor you want, and you may not have to wait for referrals.
  • Customer service: Christian health sharing ministries typically have excellent customer service. If you have any questions or problems, you can be sure that someone will be there to help you.

Here are some of the most popular Christian health sharing ministries:

  • Christian Healthcare Ministries (CHM): CHM is the oldest and largest Christian health sharing ministry. It offers three different plans: Gold, Silver, and Bronze.
  • Medi-Share: Medi-Share is another popular Christian health sharing ministry. It offers a variety of plans to fit different needs.
  • Samaritan Ministries: Samaritan Ministries is a Christian health sharing ministry that is based on the biblical principle of mutual aid. It offers two different plans: Standard and Enhanced.

Here are some of the pros and cons of Christian health sharing ministries:


  • Lower cost than traditional health insurance
  • More flexibility than traditional health insurance
  • Excellent customer service


  • Not regulated by the government
  • May have waiting periods for pre-existing conditions
  • May not cover all medical expenses


Christian health sharing ministries can be a good option for people who are looking for an alternative to traditional health insurance. However, it is important to weigh the pros and cons carefully before choosing one.thumb_upthumb_downuploadGoogle itmore_vert

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