‘Christian’ Insurance?

It sounds like a scam to me.

“Christians are exempt from insurance mandates,” Niles’ old plan, Medi-Share, says on its website. Sharing ministries are “the only organized health care concept to receive a special exemption from the taxes, penalties and regulations” that the law imposes on insurers, the site says.  Medi-Share members affirm a statement of Christian beliefs and pledge to follow a code that includes no tobacco or illegal drugs, no sex outside of marriage, and no abuse of alcohol or legal medications. Every month, they pay a fixed “share” to cover the medical expenses of members in need. The cost usually is less than private insurance, but it’s not tax deductible. Members use a network of medical providers.  If that seems close to regular health insurance, it’s not, says Michael McRaith, the top insurance regulator in Illinois. “We have seen individuals who buy into a sharing program believing they are paying for a promise, and in fact that is not what they are receiving,” McRaith said.  “There is no promise or certainty this sharing program will pay for health care expenses,” he said.

So let me see if I have this right.  Christian buy ‘insurance’ that may or may not cover them and because it’s ‘Christian’ it’s exempt from health-care mandates?  That makes no sense at all.  None.  Zero.  Who’s falling for this?  Is it advertised on Craigslist or something, right next to the Nigerian Mail Scam section?

Craziness abounds and the almighty dollar drives virtually every decision.

2 thoughts on “‘Christian’ Insurance?

  1. Tim Bulkeley

    It could be a scam, it could even be advertised on Craig’s List, but it looks to me like a smart attempt to use principles of caring for each other and sharing resources to bypass the big insurance companies.

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