How to Get Christian Health Insurance Coverage

Christian health insurance plans are ideal for unemployed Christians and those who are unable to afford or get health insurance from traditional insurance companies. These non-profit private health insurance programs are more like ministries than insurance. They are alternatives designed to give Christians affordable health care coverage based on their Godly living and stewardship. Christian health insurance plans are intended for pastors, Christians without health benefits, and the self-employed. Many Christian medical plans operate on a share basis that allows members to receive health care coverage through a partnership with other members. This process works extremely well because of the 75,000 plus Christians who are enrolled. If you are a Christian looking for medical insurance coverage, consider these steps to apply for Christian health insurance coverage.

Step 1

Membership requirements are very strict, so you should check for the eligibility requirements of each Christian health insurance company. In general, to be eligible for coverage you must be a practicing Evangelical Christian who attends regular worship service (as verified by your pastor), abstains from the use of tobacco and illegal drugs, and who lives according to Scriptural principles and biblical teaching. If you are approved for Christian medical insurance, you will have to maintain your eligibility and if your violate any of these stringent requirements, coverage may be dropped.

Step 2

In most cases you can apply for Christian health insurance online. Make sure you review all plan offerings and perform detailed research including visiting each company website as well as searching for media articles. Christian medical insurance plans differ from company to company so you should check for exclusions like pre-existing conditions and how they handle certain serious or chronic medical conditions.

Step 3

The three top Christian health insurance companies are Samaritan Ministries of Peoria, Il, Christian Health Ministries of Barberton, OH and Christian Care Medi-Share of Melbourne, FL. Investigate all three insurance companies thoroughly before submitting your application.

Step 4

Get free health insurance quotes from reputable Christian health insurance brokers or directly from Christian health insurance companies. Monthly insurance premiums can be as low as one-half the cost you would pay for traditional health insurance.


As with any insurance, caution should be exercised when choosing a Christian health insurance plan. There are pros and cons to getting this type of coverage. Although there are many plans that qualify as genuine health insurance, because some Christian health insurance companies are ministries they walk a fine line in many states regarding insurance regulations.