Health Care Cost Sharing Ministries

 The advantage of health care sharing ministries is a cost that's less than traditional insurance.  
However, they do come with restrictions not found in traditional insurance plans.  

 `By some estimates, upwards of 500,000 people may be participating in these cost sharing plans.
While there have been instances of misappropriated of funds, most appear to provide a reliable

 In order for members to be exempt from the tax penalties outlined in the Affordable Care Act,
ministries must meet the following qualifications:

Must be a 501(c)(3) organization
Members must share common ethical or religious beliefs
Must not discriminate membership based on state of residence or employment
Members cannot lose membership due to development of a medical condition
Must have existed and been in practice continually since December 31, 1999
Must be subject to an annual audit by an independent CPA (publicly available upon request)

 Not all health care sharing ministries meet these requirements. Four ministries that are reported to
have met these qualifications are: Christian Healthcare Ministries, Liberty HealthShare, Samaritan
Ministries, and Medi-Share.

More resources below:

Wikipedia, the free encyclopedia - Health care sharing ministry    

Nolo report - Health Care Sharing Ministries: A Little Known Exception to Obamacare    

Alliance of Health Care Sharing Ministries  - Compares two health cost sharing ministries:
         1. Medi-Share ( Founded in 1993),
         2. Samaritan ( Founded in 1994)

Health Care Sharing by Samaritan Ministries

2016 Publications

 Which Health Care Sharing Ministries Meet the Guidelines?     

More People Turn to Faith-Based Groups for Health Coverage    

More People Turn to Faith-Based Groups for Health Coverage        

2015 Publications

 Do You Believe in Health Care Sharing Ministries?        

Banking on faith: Cost-sharing ministries offer Obamacare alternative   

Onward, Christian Health Care?

2014 Publications

 Sharing Health - Mutual aid lives on in the battle against medical bills    

Christian Health Care Sharing Versus Health Insurance

 Religious exemptions from the health care individual mandate    

Can't Afford Obamacare? Consider a Health Care Sharing Ministry Instead   

Obamacare's Bump: More Christians Now Sharing Health Care Costs  

2013 Publications

 The Religious Alternative To Obamacare's Individual Mandate   

Make that FIVE sharing ministries…   

Health care sharing ministry members share their experiences   

Opting-out of Obamacare through medical-sharing ministries     

Samaritan Ministries vs Christian Healthcare Ministries   

 Obamacare vs. Samaritan Health-Care Ministry: A Case Study     

2012 Publications

 A Christian Alternative to Health Insurance   

2011 Publications

 Should we sign up for a ‘health-care sharing ministry? (Consumer Reports)    

2005 Publications

 Seeking Divine Protection