Dear Friend:

Thank you for visiting our website. Your interest shows that you are probably among the thousands of Americans searching for an alternative to traditional health insurance.

Research* shows the dramatic annual increase in the cost of health care (and health insurance) in the United States:

• About 47 million Americans (more than 15 percent) have no health insurance or some other way to meet health care costs. This number has increased by nearly 9 million since 2000.
• Individuals without health care cost assistance generally receive less preventative care, are diagnosed at more advanced disease stages and have higher mortality rates.
• Three in five American firms (60 percent) offered health coverage to workers in 2007, down significantly from 69 percent in 2000 and 66 percent in 2003. The drop stems almost entirely from fewer small businesses offering health benefits. Nearly all businesses (98 percent) with 200 or more workers offer such benefits.
• Many Americans cannot afford health insurance even when it is offered by their employer.
• American workers paid an average of $1,094 more in insurance premiums for family health coverage in 2006 than they did in 2000.
• The average employee contribution to company-provided health insurance increased more than 143 percent between 2000 and 2006. Average out-of-pocket costs for deductibles, co-payments for medications, and co-insurance rose 115 percent during the same period.
• Premiums for employer-sponsored health insurance in the United States have risen more than three times faster on average than workers’ earnings since 2000.
  
  

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Affordable medical cost-sharing with a biblical basis

The good news is that thousands of Christians across the nation have discovered Christian Healthcare Ministries (CHM), the biblical solution to health care costs. Like the early church in the book of Acts, our members support each other in the critical life need of meeting health care costs.

In the last 15 years, CHM members have helped each other by sharing more than $450 million in medical costs. CHM is more affordable and compassionate than health insurance.

Advantages of joining include:

• No application fee
• No annual fee
• No waiting period for accidents
• Maternity included
• Choose your own health care providers
• No physical required
• One free month for each new individual or family you bring to CHM
• No one is dropped because of medical conditions
• The most important benefit is the great joy that comes from giving, knowing that each gift goes to help a fellow Christian in need and knowing that other Christians are faithfully standing by to help you! (Luke 6:38)

We hope you will take a few moments to review what CHM is and how it is changing the lives of people throughout our nation.

Please let us know if there is any additional information we can provide. If you have questions, please call our Ministry Information department at 1-800-791-6225.

Christian Healthcare Ministries demonstrates God’s compassion in a way that makes a true difference in people’s lives. We would love to be of service to you. We hope that you will consider joining us in carrying each other’s burdens.

Sincerely,

Rev. Howard S. Russell
Executive Director

*Sources: The National Coalition on Healthcare, The Kaiser Family Foundation and the Health Research and Educational Trust

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