Consider health shares
Ever wonder why you have to pay higher and higher
health insurance premiums when you are so healthy to begin with that you hardly use the medical system at all?
Consider health shares. Premiums can be as little as $150 per person, or lower, with $1,000 annual deductible, and up to $1,000,000 in catastrophic coverage.
Good health is strongly rewarded by the above deal, and healthy lifestyles are strongly encouraged in health shares. In fact, if you go with Solidarity Health Share, they even cover naturopathic medicine, which is a comprehensive system of medicine, with individualized treatment plans, forged by doctor and patient together in consultation, incorporating natural and/or pharmaceutical solutions as needed by the individual patient (subject to licensing by each state).
The health share plans are quick to point out that they are not health insurance. That is, you pay a “monthly share” rather than a premium. And you have an “annual unshared amount” rather than a deductible, although each functions similarly.
What is also very helpful is that the health share system is not punished by Obamacare. Membership in a health share ministry exempts the member from the penalty for not buying standard health insurance.
Why have you never heard of this? Well, that's what this website is here to do: provide useful information!
There is a strong religious component to the health sharing ministries, as they are called, because the Golden Rule factors very heavily into the transactions of these organizations, as in the following typical example: A member has the misfortune of a car accident. Other members mail in their shares to cover that stranger’s medical costs. There by the grace of God go I, and who knows when I may need the same assistance. Another member has an asthma attack, and then other members mail in their shares to cover that stranger's medical costs. Your total out of pocket cost for paying these shares as a member should amount to $150 per month for each of your family members.
The following are some health share ministries in the US: