Compare Christian HealthCare: an alternative solution
Christian Healthcare is not insurance, however it serves the same purpose and mostly they offer the essentially the same benefits,
with (much) lower out-of-pocket expenses. The monthly premium -which is a lot less- is invested in an not-for-profit organization
instead of a commercial money-making business.
They are exempted from the Affordable Care Act (ACA) so you don't pay a tax penalty.
Members pay a monthly 'share' (premium). These funds all go into one account and medical bills among the members are shared from this account.
I compared the two major Christian healthcare organizations below and found -for many reasons- that Christian Healthcare Ministries is the best one out there, which I'll explain below. The ministry is also supported and recommended by Dave Ramsey (the Christian financial guru).
Compare Christian HealthCare VS Medi-Share
We only compared the best plans with the lowest out-of-pocket expenses / deductible. The reason that we didn't compare the 'lower' plans, is because of the 'deductible'/out of pocket expenses are extreme, just like commercial insurance.
Ask yourself this question: Do you have $5,000 - $10,000 'deductible' to pay before any medical bills are shared?
Not many people do, so that's why it is smart to invest in a better plan, which still saves you lot's of money, and in case of a medical event you can have a $0 deductible!
There are many 'sharing' organisations popping up everywhere. Be aware that some of them are not 'non-profit' organisations,
meaning they are a business, they are in it to make money. This is why I compared the two largest Christian non-profit organisations. Christian Healthcare Ministries (CHM) and Medi-Share, both proven financial stability and in existence for a long time.
Please note that you have to be a Christian and you have to follow Christian guidelines and have a Christian lifestyle to be eligible for any of these organizations.