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What is "Christian Health Insurance"?

7/12/2016

2 Comments

 
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. 
2 Comments
michael mccormick
3/10/2017 02:00:38 pm

I was a member of Samaritan Ministries International. They cheated me. My wife had a claim on 9-29-16. I opted out due to a better price with the affordable care program.
I made my last payment to SMI ON 11-15-16. They refuse to pay my claim for the 9-29-16 until I pay for the 12-15-16. That is wrong. I was covered for 9-29-16. There are better med share plans. Don't trust SMI.
They need to pay my hospital bill. I paid SMI 2 payments past my need. Give me a break !
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No Strings Attached Anchorage link
6/4/2025 04:31:43 pm

I like that healthcare sharing ministries offer transparency about costs.

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    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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