General Discussion
Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region ForumsDesperate for health insurance?
How about a network that offers coverage
that is unregulated
can mandate your life style
can pick and choose who it covers
and doesn't even guarantee a payout?
Oh, yeah, and takes your money.
Welcome to Christian Health Ministries.
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"Why Desperate Families Are Getting Religion on Health Coverage
Health sharing ministries arent actually insurance. But for many people, the plans are more affordable than Obamacare, and they're growing fast."
By PAUL DEMKO and RENUKA RAYASAM February 04, 2018 from Politico
When Erica Jackson and her husband decided she would quit her job as a nurse and stay at home with their three kids, they knew they couldnt afford insurance on the individual market. The family of five, who live in Wichita Falls, Texas, near the Oklahoma border, could already barely afford Jacksons employer coverage, which cost $900 per month for a plan with a $12,000 deductible.
So Jackson reached out to her insurance broker for alternatives to exchange plans, and he suggested that she and her family would be a good fit for Medi-Share, a nonprofit insurance alternative based in Florida in which members share each others health care costs. There was a catch, though. The plan was run by a nonprofit religious ministry.
Because of her experience working in a doctors office, Jackson was initially skeptical of the faith-based plansthey arent really insurance, and theres no guarantee theyll cover medical bills. But as she learned more about the plan, which requires that members dont smoke or use drugs and doesnt cover injuries that result from behaviors considered immoral, such as drunk driving, the more she felt convinced that the plan was right for her family.
The information that they make you go through, such as the beliefs, it was very reassuring, said the 27-year-old.
Ultimately, Jackson and her husband, an insurance adjuster who works on contract, decided to take a chance on Medi-Share, paying $445 per month. They are also responsible for an additional $3,750 in annual out-of-pocket costs.
Health care sharing ministries have become a more entrenched part of the health care system than anyone could have possibly imagined eight years ago, when they were quietly exempted from Obamacares individual mandate penalty. The plans were an afterthought at the time, with only about 150,000 individuals enrolled in the faith-based plans. The exemption was included by Senate Democrats as a seemingly innocuous way to insulate the bill from attacks by Christian conservatives.
In the ensuing eight years, however, enrollment in health care sharing ministries has skyrocketed, particularly in states in which the individual insurance market has been beset by spiraling premiums and dwindling competition. As more people look for cheaper alternatives to health insurance, they are stumbling on ministry plans to escape Obamacares requirements and state oversight, but still satisfy the laws individual mandate which, despite its repeal in the recent tax overhaul, remains in effect until 2019. Independent figures arent available, but according to the nonprofit groups that offer the faith-based plansmost of which are explicitly Christianthey now have more than 1.1 million members. What was once a fringe idea, limited to devout Evangelicals and small Mennonite churches in more rural parts of the country, has found acceptance with a segment of the population for whom the government safety net is unavailable and the free market options are unaffordable.
Read more
https://www.politico.com/magazine/story/2018/02/04/obamacare-religion-health-care-216933
AJT
(5,240 posts)Ohiogal
(32,015 posts)that I could just envision Pious Paul Ryan and his Republican partners in crime drooling all over a plan like this for the "masses".
NCDem777
(458 posts)Medicaid doesn't mandate religious tests. Take away Medicaid and they can hold out a carrot to the desperate.
BigmanPigman
(51,613 posts)MichMary
(1,714 posts)a "religious test," as in, you must believe xyz? Or is it just a test of behaviors?
Many, many years ago we had a car insurance policy that had some restrictions, like, if you had an accident while driving drunk they wouldn't pay your expenses. (The liability would still be in effect.) The result was that the costs were significantly lower, and they could promise that if you made no claims within a certain number of years that they would refund half your first year's premium, and continue on in this way. (We ended up moving out of state before the time limit, so never got to collect.)
So many health problems are related to preventable causes, like smoking. The government attempts to limit smoking by (heavily) taxing cigarettes. In the meantime, the rest of us are subsidizing smokers' medical treatment.
NCDem777
(458 posts)The information that they make you go through, such as the beliefs, it was very reassuring, said the 27-year-old.