Health Sharing - Coverage Without Insurance

 
 
As health care costs continue to rise, individuals and families face difficult choices about health care coverage. More than 600,000 Americans have found an alternative in health sharing organizations, formerly called medical sharing. Under the Affordable Care Act, health-sharing is an option.
 
Health sharing groups have been available for decades, but many Americans do not know about this valuable and affordable option for coverage. If you haven’t heard of them before now, you are not alone. 
 
The Affordable Care Act (ACA) lists health sharing as one of nine exemptions to the individual mandate and its penalties. Thus, those enrolled in health-sharing have coverage and do not have to pay the penalty despite not being 'insured.' To comply with the ACA reporting mandate, simply list health-sharing on your IRS tax return. For more information on reporting health sharing, contact your tax accountant.
 

Medical Sharing: An Inexpensive Alternative to Health Insurance - 2010 report by CCHF president, Twila Brase

Safe Haven: How Mutual Aid Can Protect Families in Times of Trouble - 2014 Report by CCHF Senior Policy Fellow, Greg Scandlen

 

Comparison information:

Medical Sharing Ministries - Comparison Chart, 2010 - Including: Christian Care Ministry (Medi-Share), Christian Healthcare Ministries, and Samaritan Ministries

Health Care Sharing Ministries - Comparison Chart, 2013 - Including:  Christian Care Ministry (Medi-Share), and Samaritan Ministries International (Christian Health Care Newsletter)

 

Health Sharing Groups:

Christian Healthcare Ministries - 800-791-6225
CMF CURO - 800-840-7471 (affilliated with Samaritan Ministries)

Liberty HealthShare - 855 - 58-LIBERTY
MCS Medical Cost Share - 888-508-3275 (affilliated with Liberty Health Share)
Samaritan Ministries International - 888-268-4377

 

** CCHF is not affiliated with any health-sharing organization or insurance provider. To understand if the health sharing option is right for you, contact these organizations directly.