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Republican Tax Plan and the Individual Mandate

12/18/2017

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Today's topic is the Trump tax plan and the removal of the individual mandate. This change would mean that there would no longer be a requirement to have health insurance or be a member of a healthcare sharing ministry, and those choosing to remain uninsured wouldn't have to pay an Obamacare penalty. 

Individual Mandate Law Change

​Overall, we here at Medi-Share Reviews are happy with this change. Insurance should be a decision made by the individual and family. For most, it will make sense to pay a fixed amount each month in exchange for having unexpected medical bills paid or shared. But in a free country, you should have the right to purchase or decline any service. Forcing people to buy something they don't want is not the right solution. 

With that said, the individual mandate was how my family and I found Medi-Share. We were going without any insurance when we could no longer afford it. We didn't want to pay the Obamacare penalty though, and that was when we discovered we could pay 60% less as Medi-Share members relative to traditional insurance. At this point, whether the individual mandate stays or goes, we will always stay happy Medi-Share members. 

What should follow up the removal of the individual mandate is making healthcare affordable again. Opaque pricing, short hospital visits that costs thousands of dollars, and poor customer service should be made relics of the past. The way to do that is by embracing a free market. Stop artificially limiting the supply of doctors and move to a completely free healthcare market where consumers and healthcare providers interact on a voluntary basis. 

Until that happens, individual mandate or not, we will be sticking with Medi-Share and hope that you and your family find the solution that best meets your needs as well. 
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What Does the Donald Trump Presidency Mean for Obamacare?

11/16/2016

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It is becoming more and more widely accepted that Obamacare is a failure for most Americans. Even President Clinton has referred to it as the “craziest thing in the world.” Here in Florida, Obamacare premiums are expected to increase by another 25% or more. Mainstream publications are increasingly reporting on reduced selection, higher prices, and declining service. ​
​
Donald Trump ObamaCare

Enter the election of Donald Trump. The President-Elect
 has stated that he will repeal Obamacare. Whether he will actually do that, and eliminate compulsory insurance, remains to be seen. While we certainly hope that happens, Mr. Trump has previously stated that he is in favor of universal healthcare, and subsequent to being elected, has begun praising aspects of ObamaCare -- such as the “prohibition against insurers denying coverage because of patients' existing conditions.”

As discussed in the Chicago Tribune article mentioned in the first paragraph, measures such as requiring insurers to grant full coverage to those with existing conditions, and limiting how much the elderly can be charged, may sound both positive and charitable. But unfortunately someone has to bear the cost, and the average person pays significantly more for insurance as a result ... often a completely unaffordable amount for hard-working middle class families.

What do we advocate instead?

T
he one true solution is a free market with transparent pricing where doctors and hospitals compete for our business with better service and lower prices. We should know how much we'll be paying in advance, and have control over our own healthcare. Let us also all contribute to charities we like that help provide medical care to those who can't afford it for themselves. But such contributions should be voluntary.

We will see in the coming months exactly what President Elect Trump intends to do. We hope that in addition to ending any form of compulsory health insurance, he also works toward a freer market in healthcare and lower prices.

If you do not want to pay the skyrocketing costs of conventional insurance, or potentially thousands of dollars per year in penalties to the government, consider healthcare sharing. See what you would pay with Medi-Share compared to conventional insurance. Call them up and see how easy it is to talk with an actual human who wants to answer your questions and help you.

Christians can opt out of the failed system like so many others want to do, but without paying the high and increasing Obamacare penalty. And in the process, we can have significantly more flexibility, pay much less each month, and become part of a system that genuinely cares about its members.



(Blog Image Credit to Gage Skidmore)
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What is "Christian Health Insurance"?

7/12/2016

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The term "Christian health insurance" is an interesting one because it doesn't mean what it appears to: health insurance for Christians. The reason is that it isn't traditional insurance. 

Christian Insurance

​Insurance is a heavily regulated trillion dollar industry. The goal of insurance companies is to minimize the ratio of claims they pay out and expenses relative to the premiums they take in. They use money they take in to invest (for example, this is a big part of how Warren Buffett got so rich -- investing premiums paid to insurance companies he owned), and spend large sums in regulatory compliance.

I'm not complaining about insurance companies. They're businesses out to make a profit and there's no problem with that. The question though is whether it's the right solution for you.

"Christian health insurance" is a different type of solution. Instead of the insurance model, it works simply: If you have a medical bill you submit it to the healthcare sharing ministry you belong to, and other members pay it. 

It is a simple system and it works. Money isn't siphoned off for regulatory compliance or a quest for underwriting profit. It's just members helping other members. You also know exactly how much you'll pay each month, so there are no surprises. Everyone pays a reasonable fixed amount each month based on their ages and family size, and this money is used to pay medical bills as they arise.

There are different healthcare sharing ministries available, but at this point I can only speak about Medi-Share since this is the one I am a member of and see firsthand every month how well it works. Medi-Share is designed to help families by minimizing how much they pay per month and providing them the best possible care.

Affordable Health Care for Families

​Here are the benefits of Medi-Share compared to traditional insurance or being uninsured:

  • You will save an average of about 63% per year compared to normal insurance. 
  • Even if you haven't met your AHP (deductible), Medi-Share will negotiate a discount of up to 80-90% on your bill.
  • Free 24/7 online doctor appointments
  • No Obamacare penalty for being uninsured
  • Prayer, help, and guidance from Medi-Share itself and fellow members as desired.

For more details, please read our main Medi-Share review, or watch the Medi-Share video review, providing complete information on how Medi-Share works. ​​If you have any questions, please feel free to leave them as a comment on this blog and I'll be happy to reply and answer. 
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How to Avoid the Obamacare Penalty

6/22/2015

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Obamacare Penalty
The Patient Protection and Affordable Care Act, also known as Obamacare, was passed into law in early 2010.  An ostensible goal was to make more Americans insured, and the bill has succeeded in the goal. How did it accomplish this?

Primarily, it required that those without insurance get it or pay a significant penalty.  When you file your taxes, you now have to provide information about your health insurance.  If you or your dependents don't have health insurance in 2015, you will pay a minimum of $325 per person ($162.50 for dependents), up to a maximum penalty per family of $975.  Or if 2% of your income is higher than this per-person penalty, you must pay that amount instead.

The Obamacare penalty will increase even higher in 2016.  

There are exemptions from this penalty, which fall in three main categories.



About the Obamacare Penalty


Obamacare comes with a stiff penalty for those who different have insurance.  We're going to talk about how much that penalty is, and exactly what are options are for avoiding it.  

Obamacare Penalty Exemptions

The first main category of Obamacare exemptions is hardship.  You can get an exemption, for example, if your income is below the tax filing threshold, insurance would cost more than 8% of your household income, or other types of general hardship.

The second category is membership in certain groups.  For example, if you belong to a Native American tribe or belong to certain religious sects, you may qualify for an exemption.

The third category for exemption is membership in a healthcare sharing ministry.


Healthcare Sharing Ministry Exemption

Of course, the advantage to this third category of exemption is that you still get benefits and protection similar to normal health insurance through your membership in the healthcare sharing ministry.  You can pay less for these benefits, opt out of Obamacare, and win on both fronts.

This is the reason why my wife and I joined MediShare.  We wanted the benefits of health insurance, affordability, and exemption from the expensive Obamacare penalty.  

Whether you join MediShare like we did, or join a different healthcare sharing ministry, I would highly recommend exploring this alternative to conventional health insurance.  

If you belong to a healthcare sharing ministry, or have another alternative to Obamacare to suggest, please contact me or share it in the comments.  I would be very happy to hear from you.


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    Author

    Hi! My name is Colin. My family and I switched to Medi-Share when we could no longer afford normal health insurance. It has changed our lives and now we want to help others and spread the word.

    Please feel free to contact me with any questions or comments. I will always be happy to help.

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