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Cancel CHM: Step-by-Step Guide
How to cancel your CHM membership and protect your outstanding medical bills
Understanding CHM before you cancel
Christian Healthcare Ministries (CHM) is a faith-based health cost-sharing ministry, not traditional insurance. Members contribute monthly funds that the organization pools to help cover eligible medical expenses for fellow members. Before you cancel, you need to understand how CHM's sharing model works and what happens to your bills after you leave.
What CHM membership covers
CHM operates on a unit-based contribution system. You pay a monthly fee per unit, with household limits on the total number of units you can purchase. The organization offers tiered programs designed to match different financial situations and health needs. Your program choice determines your monthly contribution, your personal responsibility for each medical incident, and the maximum amount CHM will share toward eligible bills.
| Program | 2026 monthly contribution (per unit) | Qualifying amount and sharing limit |
|---|---|---|
| CHM Gold | $299 | $1,250 per incident; up to $125,000 per illness |
| CHM Silver | $169 | $3,000 per incident; up to $125,000 per illness |
| CHM Bronze | $115 | $6,000 per incident; up to $125,000 per illness |
| CHM SeniorShare | $119 | Simplified senior-focused sharing model |
| CHM Plus (optional) | $42 | Catastrophic protection above standard limits |
Why members cancel CHM
Members decide to leave CHM for different reasons. Some switch to traditional health insurance through their employer or a marketplace. Others find that the monthly contributions no longer fit their budget or health profile. A smaller number experience frustration with claim processing delays, documentation requirements, or uncertainty about whether their bills will be shared before they cancel.
Whatever your reason, the decision to cancel requires careful timing and clear communication with CHM. The cost-sharing model means that bills submitted but not yet shared can become ineligible once you end your membership. Understanding CHM's processing timeline is essential before you take action.
Your legal rights when canceling CHM membership
Federal and state consumer protection law gives you specific rights when terminating any membership agreement, and Yafee advises you to understand these protections fully.
Your legal position
You have the right to cancel your CHM membership at any time without penalty or unnecessary burden. The Federal Trade Commission Act (FTC Act) Section 5 prohibits unfair or deceptive trade practices, including making cancellation unreasonably difficult or expensive. While CHM is not regulated as insurance in most states, it must still comply with FTC standards for transparency and ease of cancellation. You cannot be charged a fee to cancel, and CHM cannot require you to complete excessive steps or paperwork beyond a simple cancellation request.
Federal protections that apply to your cancellation
The Restore Online Shoppers Confidence Act (ROSCA) establishes that companies cannot condition cancellation on unreasonable burden or cost. If you signed up for CHM through a digital platform or auto-renewal system, these protections directly shield you. The law requires that CHM provide you with a simple, easy-to-use cancellation mechanism that mirrors the method you used to enroll.
The Federal Trade Commission enforces these standards across all membership services. If CHM refuses to process your cancellation or attempts to charge you a termination fee, you can file a complaint with the FTC at reportfraud.ftc.gov.
State-level safeguards for health-sharing members
Several states recognize health cost-sharing ministries under specific regulatory frameworks. Before you cancel, check whether your state health department or insurance commissioner publishes guidelines for CHM cancellations. Some states require written confirmation of cancellation and mandate that the organization acknowledge your termination request within a set timeframe. Your state attorney general's office maintains a consumer complaint procedure for health-sharing ministries that fail to honor cancellations.
How to cancel your CHM membership
CHM provides multiple cancellation methods to suit your preference and documentation needs.
Cancel by telephone
Calling CHM Member Support is the fastest way to request cancellation. This method provides you with real-time confirmation and allows you to ask questions about your outstanding bills before you terminate.
- Call CHM Member Support at 1-800-791-6225.
- Call during business hours (typically Monday through Friday, 8 a.m. to 5 p.m. Eastern time).
- Have your member ID number ready.
- Confirm the date you want your membership to end (typically the last day of your current paid month).
- Ask the representative to confirm your cancellation in writing.
- Request that CHM email you a cancellation confirmation letter.
- Ask for the effective date of your cancellation.
- Inquire about any bills submitted but not yet shared.
- Document the call for your records.
- Write down the date, time, and name of the representative you spoke with.
- Record the confirmation number if CHM provides one.
Cancel by postal mail
Sending a written cancellation request creates a paper trail and ensures you have proof of your termination request. This method is particularly important if you have unshared medical bills pending.
- Prepare your cancellation letter.
- Write a brief, clear letter stating that you wish to cancel your CHM membership effective [date].
- Include your full name, member ID number, and current mailing address.
- State the effective date (typically the last day of your current paid month).
- Request written confirmation of cancellation.
- Send your letter via certified mail with return receipt requested.
- This creates proof that CHM received your request.
- Keep the green return receipt as your documentation.
- Address your letter to CHM Member Support.
- Contact CHM at 1-800-791-6225 to obtain the current mailing address if their website does not list it.
- Confirm the address before you mail your request.
- Follow up if you do not receive a response within 10 business days.
- Call Member Support to confirm receipt of your letter.
- Request email confirmation of your cancellation.
Cancel by email (if available)
Some health-sharing ministries accept email cancellation requests. Contact CHM directly to confirm whether email cancellation is an option in your case.
- Request the cancellation email address.
- Call 1-800-791-6225 and ask for the email address where you should send your cancellation request.
- Compose your cancellation email.
- Include your full name, member ID, and current mailing address.
- State that you wish to cancel your membership effective [date].
- Request written confirmation of cancellation.
- Send from an email address associated with your account if possible.
- Send via email and request a read receipt.
- This confirms that CHM received your request.
- Keep the read receipt in your records.
- Allow 5 to 10 business days for a response.
- Follow up by phone if you do not receive confirmation within that timeframe.
Timeline and processing after your cancellation request
Understanding CHM's cancellation and processing timeline protects you from losing eligibility for bills you believe are covered.
The 30-day processing period
CHM allows a 30-day processing period from the date you submit your cancellation request. During this time, your membership remains active, and CHM continues to accept claims for bills incurred before the end of your paid month. After the 30-day window closes, CHM will no longer share any new bills, even if they were incurred while your membership was active.
What happens to your outstanding bills
Your membership ceases at the end of your current paid month. Any medical bills you submit after that date become ineligible for sharing. Consequently, you must submit all bills you wish CHM to share before your cancellation becomes effective. Bills already submitted but not yet processed may still be shared if they were incurred during your membership period, but this depends on CHM's specific processing rules and your program terms.
Contact CHM before you cancel to ask about any bills currently pending review. Understanding how long claims typically take to process helps you decide whether to cancel immediately or wait until all outstanding bills have been shared.
When your membership officially ends
Your CHM membership ends on the last day of your current paid month, not the date you submit your cancellation request. If you are mid-month when you cancel, your membership will continue through the end of that month, and you will be responsible for your final monthly contribution. After that date, you are no longer a CHM member, and the organization has no obligation to share your medical bills.
Refunds and final charges after cancellation
Yafee explains that CHM cancellations typically do not result in refunds of past contributions, but you should verify your final bill status before your membership ends.
Prorated refund eligibility
CHM does not offer refunds of prior contributions once your membership ends. Monthly contributions are non-refundable and represent your participation in the cost-sharing pool. If you cancel mid-month, CHM does not prorate your final contribution or return any portion of it to you.
Avoiding surprise final charges
Confirm your final billing cycle with CHM before your cancellation becomes effective. Ask whether CHM will attempt to charge your payment method for a final month or any outstanding administrative fees. Most health-sharing ministries do not impose additional fees upon cancellation, but verifying this protects you from unexpected charges after you believed your membership had ended.
Stopping automatic payments
If CHM charged your credit card, bank account, or digital payment method automatically, contact your bank or payment processor to remove CHM from your recurring payment list. This step prevents accidental charges after your cancellation becomes effective. Yafee recommends that you cancel the automatic payment within 5 business days of your cancellation becoming effective.
Common mistakes to avoid when canceling CHM
Canceling a health-sharing ministry requires more care than canceling a standard subscription, but the process is straightforward if you take these precautions.
Mistake one: canceling without verifying pending claims
Your biggest risk is canceling before CHM has shared all the medical bills you expected to be covered. Before you submit your cancellation request, call CHM and ask for a status update on any claims you submitted in the past 60 days. Ask specifically which bills CHM has approved for sharing, which are still under review, and which may be denied. This conversation ensures you know exactly what you will and will not receive before you walk away.
Mistake two: canceling effective immediately
CHM processes cancellations at the end of your current paid month, not on the date you request cancellation. If you attempt to cancel mid-month and ask for immediate termination, CHM may not honor your request or may require you to pay for the remainder of that month anyway. Always specify that your cancellation is effective at the end of your current billing month, and confirm this date in writing.
Mistake three: failing to stop automatic payments
Even after your CHM membership ends, your payment method may continue to be charged if you do not cancel the recurring transaction with your bank. Contact your financial institution or payment processor within one week of your cancellation becoming effective and confirm that CHM is no longer authorized to charge your account. Document this cancellation in writing.
Mistake four: not requesting written confirmation
Always ask CHM to send you written confirmation of your cancellation. If a dispute arises later about whether you actually terminated your membership, this letter proves your intent and the date CHM received your request. Without written confirmation, you have only your word against the organization's records, and you may remain liable for additional charges.
Mistake five: canceling without alternative coverage in place
Do not cancel your CHM membership until you have confirmed that you have alternative health coverage effective on the date your membership ends. A gap in coverage could leave you exposed to significant medical bills. If you are enrolling in traditional health insurance through your employer or the marketplace, confirm the effective date of that coverage before you finalize your CHM cancellation.
What to do after your CHM membership ends
Once your CHM membership is no longer active, you have specific responsibilities and rights regarding outstanding bills and your health coverage transition.
Monitor your account after cancellation
Log in to your CHM member account for 30 days after your cancellation becomes effective. Some claims take 6 to 8 weeks to process and share. If CHM shares a bill after your membership ends, you may still receive the benefit if the bill was incurred during your membership period. However, bills incurred after your cancellation date will not be shared.
Request a final account statement
Ask CHM to send you a final account statement showing all claims submitted, approved, and denied during your membership. This statement serves as your record of what CHM shared and what you are personally responsible for. Keep this statement with your medical records for your tax files and insurance claims.
Review your medical bills carefully
Now that you are no longer part of CHM's cost-sharing pool, you are personally responsible for any medical bills CHM did not share. Review each bill from your healthcare providers and confirm that the amounts match what you were billed. If a provider bills you twice or includes charges CHM already shared, dispute the bill immediately.
Transition to new coverage
If you enrolled in traditional health insurance, ensure that your new coverage is active before your CHM membership ends. Contact your new insurance provider to confirm your effective date and submit any claims for care received during the transition period.
Comparing CHM to other health coverage options
Understanding how CHM differs from traditional insurance helps you make an informed decision about whether to cancel and what to replace it with.
| Factor | CHM cost-sharing | Traditional health insurance | Medicaid or Medicare |
|---|---|---|---|
| Monthly cost range | $115 to $299 per unit | $200 to $800+ per month | Free to $200+ per month |
| Claim guarantee | Share at discretion; no legal guarantee | Legally required to cover eligible services | Legally required to cover eligible services |
| Pre-existing condition limits | Varies; some conditions excluded | No exclusions under ACA | No exclusions |
| Claims processing time | 6 to 12 weeks typical | 2 to 4 weeks typical | 2 to 4 weeks typical |
| Best for | Healthy members; faith-based preference | Chronic illness; predictable coverage | Low income; seniors or disabled |
| Legal recourse if denied | Limited; appeals required first | Federal insurance protection; appeal rights | Federal benefit protection; appeal rights |
Escalation: what to do if CHM refuses your cancellation
If CHM does not honor your cancellation request or continues to charge your account after you have submitted a termination request, you have legal remedies available.
Document your cancellation request
Keep copies of every cancellation request you submit: call confirmation numbers, certified mail receipts, email confirmations, and written responses from CHM. If CHM later claims you never requested cancellation, your documentation proves otherwise.
Send a final demand letter
If CHM does not process your cancellation within 30 days of your request, send a final demand letter via certified mail stating that you demand cancellation effective immediately and that CHM must cease all charges to your account. Reference the date of your original cancellation request and the confirmation number or receipt you received. State that failure to comply will result in escalation to the Federal Trade Commission.
File a complaint with the FTC
If CHM ignores your demand letter or continues unauthorized charges, file a formal complaint with the Federal Trade Commission at reportfraud.ftc.gov. The FTC investigates complaints of deceptive practices and unauthorized charges. Include all documentation of your cancellation attempts and any unauthorized charges.
Contact your state attorney general
Your state attorney general's consumer protection division handles complaints about unfair business practices. File a complaint if CHM refuses to cancel or continues charging you after your membership should have ended. Yafee advises that state attorney generals often take action against companies that violate consumer protection laws.
Dispute charges with your financial institution
If CHM continues to charge your credit card or bank account after you have cancelled, contact your financial institution and dispute the unauthorized charge. Your bank or credit card company can reverse the charges and investigate CHM's practices. Provide your cancellation documentation to your financial institution as evidence.
When to keep your CHM membership instead of canceling
Cancellation is the right choice for some members, but renewal may be better for others depending on your circumstances.
Keep your CHM membership if you are generally healthy, comfortable with the cost-sharing model, and have few or no chronic conditions requiring ongoing specialist care. Keep your membership if your monthly contributions are significantly lower than traditional insurance premiums in your area. Keep your membership if you value the faith-based community aspect and have not experienced claim denials or processing delays.
You may want to reconsider cancellation if you have submitted claims that are still processing. Canceling mid-claims cycle may cause otherwise eligible bills to be denied. Similarly, if you are transitioning to traditional insurance and that coverage has a waiting period, you may want to maintain CHM during the gap to avoid going uninsured.
Your next steps and getting support
Canceling your CHM membership is straightforward once you understand your rights and the proper procedure. Start by calling CHM Member Support at 1-800-791-6225 to ask about any pending claims and confirm your final billing date. Request written confirmation of your cancellation in writing, and allow 30 days for processing. Stop automatic payments with your bank or payment processor within one week of your cancellation becoming effective.
If you need guidance on your specific situation or believe CHM has violated your rights, Yafee has helped thousands of consumers cancel memberships and cost-sharing arrangements. Yafee provides transparent, legally grounded advice to help you understand your options and protect yourself throughout the cancellation process. Visit Yafee.com for additional resources on canceling any membership service and protecting your consumer rights. Yafee's team of contract law specialists stands ready to answer your questions and ensure you navigate your cancellation with confidence and full legal protection.
CHM Member Support Contact Information:
Phone: 1-800-791-6225
Mail: Contact CHM at the number above to request the current mailing address for written cancellation requests.
Hours: Monday through Friday, 8 a.m. to 5 p.m. Eastern time
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