For Large Churches
Stay ACA-compliant and dramatically lower your healthcare costs with a CHM + HRA model — and give your staff the tools they need to actually run it.
ACA Compliance at a Fraction of the Cost
Once a church crosses the ACA’s applicable large employer threshold, it has to offer healthcare to its full-time staff — or face steep penalties. For many ministries, a traditional group health plan simply isn’t sustainable.
There’s a better way. Pairing Christian Healthcare Ministries with a Health Reimbursement Arrangement (HRA) lets your church satisfy the ACA employer mandate while spending a fraction of what an equivalent group health insurance plan would cost. Your staff get genuine, meaningful medical cost sharing through a faith-aligned ministry — not insurance, but a community of believers carrying one another’s medical costs — and your budget finally makes sense.
ACA Compliant by Design
For large churches subject to the ACA employer mandate, pairing Christian Healthcare Ministries with a Health Reimbursement Arrangement creates a benefits structure that satisfies the requirement to offer healthcare — without the cost of a traditional group plan.
Dramatically Lower Cost
CHM monthly shares plus an HRA routinely come in at a fraction of what an equivalent ACA group plan would cost. Churches moving to this model typically save thousands of dollars per family per year while still taking care of their staff.
Aligned With Your Mission
Christian Healthcare Ministries is a faith-based health sharing ministry. Building your employee benefits around CHM means your healthcare dollars support fellow believers sharing one another’s medical needs.
Predictable Employer Cost
The HRA lets you set a clear, budgeted reimbursement ceiling per employee. You get cost certainty — no more surprise double-digit premium hikes at renewal.
The Catch: Health Sharing Is Different
The CHM + HRA model is powerful, but it isn’t insurance — and that difference is where most churches hit a wall. Employees are used to copays and networks. Suddenly they’re negotiating self-pay rates, submitting itemized bills to a sharing ministry, tracking reimbursements, and routing funds through an HRA. Your admin team becomes the help desk by default.
That’s exactly what the HealthShare app was built to solve. We designed it from the ground up around the CHM + HRA workflow — for both the members who live inside it and the plan administrators who run it.
Help Your Staff Navigate Health Sharing
Most of the questions an employee has about CHM don’t need to land on your admin team. The HealthShare app guides members through every step of health sharing — from their first doctor visit through the final reimbursement — so they feel confident using the plan, and your staff stays focused on ministry.
Alice, Your 24/7 AI Guide
Health sharing works differently than insurance, and that’s where most employees get stuck. Alice answers CHM questions in plain language, walks members through bill submission, and is available whenever they need her — so your HR team isn’t the help desk.
Guided Incident & Bill Submission
Employees snap a photo of a bill and the app walks them through capturing every incident, itemized charge, and supporting document CHM requires. Nothing falls through the cracks and nothing gets left on the table.
Advances & Reimbursement Tracking
Members can see exactly where each medical event stands — what’s been submitted to CHM, what’s been shared, what the HRA has covered, and what they owe toward their Personal Responsibility.
Personalized Todo Lists
The app tells each member exactly what to do next — follow up on a bill, send a document to CHM, repay an advance — so health sharing stays on track without constant nagging from the admin team.
Visibility for Plan Administrators
Running a CHM + HRA program without the right tools means living in spreadsheets, email threads, and guesswork. The HealthShare plan administrator portal gives you a single place to see everything happening across your benefits program — every incident, every advance, every reimbursement — so you can advocate for your team, report to your board, and sleep at night.
Complete Visibility Across Your Organization
The plan administrator portal gives you a single, at-a-glance view of every incident, expense, and itemized bill across your entire staff — so you can advocate for your team and answer questions with confidence.
Insights & Reporting
See total outlays and CHM reimbursements by month and year, HRA spend, Personal Responsibility tracking, and outstanding advances. Exactly the data you need for board reports, budgeting, and renewal decisions.
Advance Management
A full-featured advance tracking system with email notifications, easy substantiation review, and automatic reminders for repayment once CHM reimbursement comes in. No more spreadsheets, no more chasing.
Organization-Wide Todos
Assign todos to any user or push organization-wide reminders with custom due dates — open enrollment tasks, annual substantiation, policy acknowledgments — and actually see who’s done them.
Download the White Paper
Get the full details on the CHM + HRA model and the HealthShare app’s plan administrator tools.
Ready to explore CHM + HRA?
We’d love to show you how the HealthShare app can make this model work for your church.
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