Free-Market Health Care

MEDICAL SHARING: An Inexpensive Alternative to Health Insurance

If the U.S. Senate version of health insurance reform passes and premium costs increase as predicted by the Congressional Budget Office, medical sharing may be one of the only ways for Americans to get affordable coverage," says Twila Brase, president of CCHC

COMPARISON CHART - Medical Sharing Ministries(MSM)

Compare the three Healthcare Sharing Programs side-by-side: Samaritan Ministries, Medi-Share and Christian Healthcare Ministries.

CCHC's "Consumer Driven Health Care" Seminar

Consumer Driven Health Care: Public Sector Opportunities", generated a broad array of interested parties. The more than 100 people in attendance represented employers, clinics, hospitals, physicians, health insurers, insurance agents, employee benefits consultants, state officials, union leaders, members of the general public and two legislators involved in health policy (Sen. Becky Lourey (D-Kendrick) and Rep. Tim Wilkin (R-Eagan).

DIAGRAM - Government, Health Care and Taxpayers

DIAGRAM - Government, Health Care and Taxpayers

One page diagram showing the expensive bureaucracy of government, the limited access of captured HMO patients and the freedom available through fee-for-service payments to doctors and hospitals.

Medical Savings Accounts

Medical Savings Accounts (MSAs) are either tax-free or post-tax accounts which receive deposits of funds from employers or individuals that are used to pay for medical expenses. The MSA is attached to a high deductible insurance policy that is chosen by the individual. MSAs are little known because of political opposition, the desire of Congress to force the pooling of all health care dollars into HMOs, and a 1996 law enacting limited and restrictive MSA regulations which discourage marketing by insurers.

Xerox Prepares to Free Employees from Limited Insurance Options

In a powerful act of courage that opposes conventional practice, Xerox officials have proposed putting employees in charge of their own health insurance within seven years. Xerox plans to give at least $5000 to each of their 50,000 employees so they can purchase a portable customized insurance policy. A portion of the money must be used for insurance, and would therefore be tax-exempt, but the remainder would be taxable cash compensation.