Health Care Sharing

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Health Care Sharing

Do you think this is a good alternative to Obamacare and a way to bypass the expensive insurance companies who just want to get their cut?

With just weeks left to sign up for insurance on HealthCare.gov, a growing number of people are opting to enroll in a Christian alternative to traditional health insurance.

Nationwide networks of fellow believers help share each other's major medical bills through what's known as health care sharing ministries.

"It works just like insurance. I have an insurance card. I show it just like anyone else would. I have a deductible. I have a monthly premium that I pay," explained Eileen Wade, who joined the health care sharing ministry, Medi-Share, in 2011.

The nation's three largest ministries boast more than 242,000 members, spanning all 50 states, who agree to live so-called biblical lifestyles -- meaning regular church attendance; no drugs, tobacco, or sex outside of marriage; and limited alcohol consumption.

This kind of healthier lifestyle helps keep monthly premiums lower than that of other health insurers for most members.

"There's definitely an economic benefit, a windfall if you would, by living healthier lives," said Medi-Share's CEO, Tony Meggs.

Each of the ministries varies a bit in what they will and won't cover, but all are exempt from the Affordable Care Act's fines on those without health insurance.

Under the plans, families or individuals generally are responsible for regular medical costs -- like annual check-ups. And bills for unexpected illnesses or accidents are eligible for "sharing" by the group.

Critics, though, say because the ministries aren't technically insurance providers, they're not legally obligated to pay any of the medical bills that are submitted.

They also don't come with the same kind of protections and promises that come with traditional health insurance, according to Ron Pollack, who is the executive director of Families USA, a health care consumer advocacy group.

"If you know you're not going to get sick, if you know you're not going to have an accident, this could work out very well. The problem is none of us can guarantee that, and we want insurance that really insures," Pollack said.

Each of the ministries is very upfront that there are no guarantees of payment for medical bills, but Meggs said those concerns are exaggerated, and that in 21 years Medi-Share has only had a handful of complaints related to coverage.

The programs are only getting more popular.

Since the launch of HealthCare.gov on Oct. 1, membership at each of the ministries has exploded, with nearly 30,000 new enrollees -- more than the number of people who selected a plan through ObamaCare in 24 states.

In addition to the exemption from ObamaCare, Meggs said a big draw for members is the ministries' health plans don't cover many of the more controversial procedures that are covered under the Affordable Care Act, such as abortion.

"Some of the qualifying plans in the Affordable Care Act are going to violate their conscience with some of the services that are mandated that the insurance plans cover. I think they're going to be looking at health care sharing ministries as an alternative," Meggs told FoxNews.com.

Christian alternative to ObamaCare growing fast as deadline nears | Fox News

Alliance of Health Care Sharing Ministries
Christian Care Ministry - Home Page

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I do know several people that do this without any problems. I think if you can get regular insurance through your work or individually that is going to be best, but if you can't it is much better than nothing. My BIL is self employed and had individual insurance before Obamacare. His insurance was dropped. He tried to get on Obamacare. They would accept him and his wife but not his children. It also would not have covered any of the hospitals in their area. For them, it was the only way that all of his family could have some kind of coverage. They would have prefered to keep the insurance they had before, but because that was not an option, this was better than nothing.

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No. We need to get closer to having everyone on ACA programs or under employer coverage, not give them excuses to stay away. But I will agree with eliminating for-profit insurance companies.

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"Spacers" wrote:

No. We need to get closer to having everyone on ACA programs or under employer coverage, not give them excuses to stay away. But I will agree with eliminating for-profit insurance companies.

I recently read that ACA had made things worse for 1/3of Americans. Those people need options right now, not years from now when all of the many kinks and problems are worked out of Obamacare.

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So we just let everyone slide until we work out the kinks? How about get everyone on board *while* we work out the kinks? An integral part of any health care system is that you have young healthy people helping to support the others. Right now, we seem to letting all the young healthy people off the hook because they want whatever they can get cheapest, never mind what is best for society. These people don't need "options," they need to get *real* healthcare coverage becasue it's only a matter of time until they need it just like everyone else does.

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I have seen this working in our community. We have several of our local churches that have combined to make this happen. It has worked really well for them, even in cases of major illnesses

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"mom3girls" wrote:

I have seen this working in our community. We have several of our local churches that have combined to make this happen. It has worked really well for them, even in cases of major illnesses

It does seem to work very well. I know of people that have been on it for years with no problems even when life happens.

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There are so many potential problems with this set up.

1. Medical bills can add up quickly. I doubt they have the negotiation set up that major insurers do to reduce payments and are probably paying total cost. Do they have a specific margin of savings in case it becomes a super bad year for its members?

2. Since they are not in the traditional health insurance arena they are hurting the whole set up of affordable cost. You complain that things are expensive but the ONLY way for that to come down is for EVERYONE to be on board from the day they are born.

Why would anyone be comfortable to pay into a plan that cannot guarantee to pay your medical bills? That's insanity!

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"Jessica80" wrote:

There are so many potential problems with this set up.

1. Medical bills can add up quickly. I doubt they have the negotiation set up that major insurers do to reduce payments and are probably paying total cost. Do they have a specific margin of savings in case it becomes a super bad year for its members?

2. Since they are not in the traditional health insurance arena they are hurting the whole set up of affordable cost. You complain that things are expensive but the ONLY way for that to come down is for EVERYONE to be on board from the day they are born.

Why would anyone be comfortable to pay into a plan that cannot guarantee to pay your medical bills? That's insanity!

I do believe that discounts are offered for large groups like medi share. With 62,000 people enrolled, the cost of each persons medical problems are spread out over the total group. How Does Medi-Share Work? - eDrugSearch Blog

While not perfect, it is the best option for some people. They have something in place preventing them from finding themselves in a position where they are in need of medical care and have to go to the ER because they don't have insurance and thus are a burden on the tax payer. The affordable care act is NOT affordable to everyone.

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How is it the best option? They are basically saying that if they have a lot of expensive claims they may not have to pay yours. Might as well go to a casino at this point.

62000? How is that going to bring the best discounts?

You do realize how you describe this plan is exactly the way traditional insurance works? Costs spread out amongst all customers? Except that private insurers have to make sure they PAY for your services that are covered not say....HEY we might run out of money.

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"Jessica80" wrote:

How is it the best option? They are basically saying that if they have a lot of expensive claims they may not have to pay yours. Might as well go to a casino at this point.

62000? How is that going to bring the best discounts?

You do realize how you describe this plan is exactly the way traditional insurance works? Costs spread out amongst all customers? Except that private insurers have to make sure they PAY for your services that are covered not say....HEY we might run out of money.

Where are you reading anywhere that they have said that they will not pay? They have a 20 year record of paying the claims. If all of the sudden they stopped paying people would stop going through them and they would go out of business. The cost is far less than traditional insurance, and for the people who can not afford insurance and do not qualify for subsidiaries it is better than having nothing at all.

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Each of the ministries is very upfront that there are no guarantees of payment for medical bills, but Meggs said those concerns are exaggerated, and that in 21 years Medi-Share has only had a handful of complaints related to coverage.

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Yeah, this sounds weird to me. Like...instead of paying into a health insurance company that has to cover my bills, I pay into one that MIGHT cover them. It's the exact same principle of regular health insurance but without any legal guarantee. That's great if it works out, but it's also great if you don't ever get health coverage and you don't get sick, too. It's a gamble.

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"freddieflounder101" wrote:

Yeah, this sounds weird to me. Like...instead of paying into a health insurance company that has to cover my bills, I pay into one that MIGHT cover them. It's the exact same principle of regular health insurance but without any legal guarantee. That's great if it works out, but it's also great if you don't ever get health coverage and you don't get sick, too. It's a gamble.

This difference is that one is an obtainable $300 a month compared to an unobtainable $1,000 a month for some people. It also lets you have the doctors and hospitals that you want/need. Is it perfect? No. Is Obamacare? No. For some people in some situation it is a far better option.

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Well, I hope for their sake that their cheaper option will decide to cover them should they ever have a long ICU stay (7days+) because that room and board charge alone is scary expensive.

I just think it's a huge gamble to even pay 300.00/month to have someone possibly turn around and say...sorry we won't pay this, we ran out of money.

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"AlyssaEimers" wrote:

This difference is that one is an obtainable $300 a month compared to an unobtainable $1,000 a month for some people. It also lets you have the doctors and hospitals that you want/need. Is it perfect? No. Is Obamacare? No. For some people in some situation it is a far better option.

It's only a good option if you don't end up getting very sick and then suddenly there's no money to pay for your medical needs. If it works, great, but you're really counting on good luck.

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"Jessica80" wrote:

Well, I hope for their sake that their cheaper option will decide to cover them should they ever have a long ICU stay (7days+) because that room and board charge alone is scary expensive.

I just think it's a huge gamble to even pay 300.00/month to have someone possibly turn around and say...sorry we won't pay this, we ran out of money.

Have you ever heard of someone who was involved in a program like this where they did not pay?

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I've never heard of a program like this thank goodness! We have to have actual insurance in Mass. From a company that will pay the claims they have contracted to pay. Like...an inpatient stay that costs 500,000 x2 because of sick triplets.

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"Jessica80" wrote:

I've never heard of a program like this thank goodness! We have to have actual insurance in Mass. From a company that will pay the claims they have contracted to pay. Like...an inpatient stay that costs 500,000 x2 because of sick triplets.

These companies have been around for a long time with great success.

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New health insurance marketplaces signing up few uninsured Americans, two surveys find - The Washington Post

The truth of the matter is that people who would risk going with out insurance do so because they feel that for whatever reason they just can not afford it. Obamacare does not fix that unless you are in the lowest income brackets. This is something that is there for just those emergencies mentioned above. They do pay for hospital stays. That is what they primarily do. For the people who just are not going to have insurance, I would rather them have this than than nothing.

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"AlyssaEimers" wrote:

For the people who just are not going to have insurance, I would rather them have this than than nothing.

And I would rather they have real insurance coverage as the law mandates. People choosing to be out of the insurance system doesn't help anyone. Not even their own pocketbooks. Back when we had the original ACA debate, I had time on my hands & I actually looked at some of the coverage the people were complaining about losing. Not a one of them had good coverage to begin with & they were paying higher out-of-pocket fees for everything but they were satisfied because their monthly premium was only something like $89 month. When you add it ALL up, most of them would benefit under ACA and would end up paying less overall. But Americans don't tend to think like that, they want the lowest monthly price possible and then put the rest on a credit card when they actually have to pay the doctor, and when they need to declare bankruptcy due to unpaid medical bills, everyone takes a hit.

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"Spacers" wrote:

And I would rather they have real insurance coverage as the law mandates. People choosing to be out of the insurance system doesn't help anyone. Not even their own pocketbooks. Back when we had the original ACA debate, I had time on my hands & I actually looked at some of the coverage the people were complaining about losing. Not a one of them had good coverage to begin with & they were paying higher out-of-pocket fees for everything but they were satisfied because their monthly premium was only something like $89 month. When you add it ALL up, most of them would benefit under ACA and would end up paying less overall. But Americans don't tend to think like that, they want the lowest monthly price possible and then put the rest on a credit card when they actually have to pay the doctor, and when they need to declare bankruptcy due to unpaid medical bills, everyone takes a hit.

We are not talking about people who already have insurance changing to ACA. We are talking about people who would desperately love to have insurance but just do not feel like they can afford it.

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Devastating: 90 Percent of Uninsured Haven't Signed Up For Obamacare, Most Cite High Costs - Guy Benson

For extra reading if anyone is interested on why ACA is not the answer to all the healthcare problems.

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Has anyone ever said Romneycare is the answer to all health care problems?

Of course it's not. As Gloria mentioned, you still have all the for-profits taking their cuts. It's not in any way a way to cut out the for-profits that are crippling the US health care system. It is not single payer or universal health care. But it's the only one they could pass in the US.

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Well in somewhat fairness to for-profits, they still have to use a % of premium dollars now to pay out claims. (I think it is 90%). If they use a lesser percentage they have to give premium dollars back.

It's a start of controlling costs....thanks to the ACA.

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[QUOTE=AlyssaEimers]We are not talking about people who already have insurance changing to ACA. We are talking about people who would desperately love to have insurance but just do not feel like they can afford it.

"They feel..."
"They believe..."

Maybe *they* need to actually log on, check the costs and see if they qualify for subsidies before they *don't* sign up...don't you think.

I mean, if I had never been to a store I might think bananas were out of my budget too.

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"Jessica80" wrote:

[QUOTE=AlyssaEimers]We are not talking about people who already have insurance changing to ACA. We are talking about people who would desperately love to have insurance but just do not feel like they can afford it.

"They feel..."
"They believe..."

Maybe *they* need to actually log on, check the costs and see if they qualify for subsidies before they *don't* sign up...don't you think.

I mean, if I had never been to a store I might think bananas were out of my budget too.

I know several people (Probably most people) including myself checked out the prices to see if it was something that was going to be affordable or a better option. If someone is in a situation where they can not afford health insurance, they are not going to be able to afford the not so affordable care act either.

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I am just surprised that these people who truly can't afford it also don't qualify for a subsidy of some sort.

I think for a lot of people, they want "Walmart" insurance. Cheapest price no matter what.

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"Jessica80" wrote:

I am just surprised that these people who truly can't afford it also don't qualify for a subsidy of some sort.

I think for a lot of people, they want "Walmart" insurance. Cheapest price no matter what.

There are huge amounts of people out there living pay check to pay check where $500-$1,000 per month on top of their other expenses is just not obtainable. I personally know several people who really, really would love to have insurance but do not feel that there is any way possible that they could afford it. If they could afford it, then they would have already got it. The plans available for ACA are not any cheaper than what was already available in our area. The only people I know of seriously looking into getting an ACA plan are people who are in such poor health that they will not qualify for an individual plan.

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So they don't have any money for insurance but they don't qualify for a subsidy?

I live in a much higher cost of living area than you do and if I had to purchase insurance on my own I would be able to afford it and we are not a wealthy family.

How are they going to afford it if they land in an inpatient situation? ER visit, doctor to triage, room and board and surrounding medical care goes about 50000 for about a 1 week stay. This is non-ICU. This is not counting the follow up to the doctor's after this. Physical therapy maybe. I sure hope they have the money for that. Since insurance is mandated now, you will find that most places will no longer offer free care. It will be their bill. It WILL hurt their credit.

I guess my priorities are different than your friends.

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"Jessica80" wrote:

So they don't have any money for insurance but they don't qualify for a subsidy?

I live in a much higher cost of living area than you do and if I had to purchase insurance on my own I would be able to afford it and we are not a wealthy family.

How are they going to afford it if they land in an inpatient situation? ER visit, doctor to triage, room and board and surrounding medical care goes about 50000 for about a 1 week stay. This is non-ICU. This is not counting the follow up to the doctor's after this. Physical therapy maybe. I sure hope they have the money for that. Since insurance is mandated now, you will find that most places will no longer offer free care. It will be their bill. It WILL hurt their credit.

I guess my priorities are different than your friends.

That is exactly what these health sharing plans are for! To cover there expenses if they have an illness or accident. So that you don't have huge debt if something happens. That is the exact reason these plans were created and it has worked well for 20 years. There may be some hypothetical situation where the company would not pay but that just does not happen. The first time that it did happen they would go out of business.

I do not know about you, but I know plenty of people who can not just come up with $600-$1,000 per month. The "Affordable" Care plans are just not very affordable. Someone who already felt that they were just in not a position to buy health insurance is not going to log onto the healthcare website, look at the prices, and be inspired to buy it. They are just not. Just because you can afford it, does not mean that everyone can. For some people it would come between buying the insurance and putting food on the table. Even for the people that qualify for the discounts, the discounts are not bringing the price down enough. For the people who make just enough not to qualify, then there are many who just can't afford it.

Say someone is working a full time $15/hour job, paying a mortgage, utilities, and food for a family of 4 the extra money needed for the ACA plans just is not always obtainable. Added to that that very few doctors and hospitals accept it. For many plans in my city there would only be one hospital out of several to go to. Several doctors that you would have to either pay out of pocket or find a different doctor.

The sharing plans are much better than going without anything and in many cases are better than the ACA plans. If your only problem with the plans is that they are not legally required to pay, that does not seem like much of an issue to me. As I said before, they have 20 years on record of paying all of their claims and if they all of the sudden stopped paying their claims they would go out of business.

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So if they go out of business because of 1 person's claims...what happens to the other people who have paid in for years? They get to scramble to find new coverage?

I guess we'll have to disagree. I think these plans are awful coverage and a gamble to a family. You don't.

According to the subsidy calculator, because I'm in Mass. a family of four with 1 wage earner making 15.00 an hour QUALIFIES for a subisidy for FULL health insurance. Sadly, you live in a state that refused to expand coverage for lower income families so there wouldn't be one. Tax credits are available though. 2% of your income would go to your premium. That would equal 52 a month for a family of four if they are eligible. Seems pretty affordable to me. (this was entered in as a family of four, both non smokers, 2 children 2 adults age 30).

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"Spacers" wrote:

And I would rather they have real insurance coverage as the law mandates. People choosing to be out of the insurance system doesn't help anyone. Not even their own pocketbooks. Back when we had the original ACA debate, I had time on my hands & I actually looked at some of the coverage the people were complaining about losing. Not a one of them had good coverage to begin with & they were paying higher out-of-pocket fees for everything but they were satisfied because their monthly premium was only something like $89 month. When you add it ALL up, most of them would benefit under ACA and would end up paying less overall. But Americans don't tend to think like that, they want the lowest monthly price possible and then put the rest on a credit card when they actually have to pay the doctor, and when they need to declare bankruptcy due to unpaid medical bills, everyone takes a hit.

Healthcare sharing is legal.. and covered under the law.

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I have heard of MANY MANY MANY claims being denied by insurance companies.. read your policies.. there are lifetime maximum benefits. I have never ever heard of a claim being denied by any of these groups.. We will be going to one of these groups if my husband somehow gets off insurance through his work..

This is the one I had been following for years. A speaker at our homeschooling conference is in it. He is a well known speaker in the HSing community and pastor and thought I would check it out.

Samaritan Ministries International - Samaritan Ministries International

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"Rivergallery" wrote:

I have heard of MANY MANY MANY claims being denied by insurance companies.. read your policies.. there are lifetime maximum benefits. I have never ever heard of a claim being denied by any of these groups.. We will be going to one of these groups if my husband somehow gets off insurance through his work..

This is the one I had been following for years. A speaker at our homeschooling conference is in it. He is a well known speaker in the HSing community and pastor and thought I would check it out.

Samaritan Ministries International - Samaritan Ministries International

And if a woman in one of these "shares" wants or needs an abortion, they WILL deny her claim. If a person has a medical issue related to drug addiction, they WILL deny his claim. Anything that the share administration deems to be "unbiblical" will be denied, which is pretty hypocritical since Jesus himself said to help others in their time of need, and he didn't specify only those with needs listed in the bible. And more denials... any amount of less than $300 will be denied because the share expects that you can pay that amount. Any amount over $250,000 (which is pretty easy to rack up with cancer or other chronic conditions) will be denied because, well, I don't know, I didn't read that far because I really don't care.

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"Rivergallery" wrote:

Healthcare sharing is legal.. and covered under the law.

It shouldn't be, and I don't think it will be for very long as we move closer to a single-payer medical model.

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"Spacers" wrote:

It shouldn't be, and I don't think it will be for very long as we move closer to a single-payer medical model.

That is only if liberals stay in power.

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In my current plan any amount under $1000 in essentially denied per PERSON as that is our deductible ;). So for a family of four that is $4000 if we all needed medical treatments.. thank the LORD it is just me that needs medical treatment for the most part or we would be drowning in debt.. as it is we barely manage it.. This is with a great insurance plan through my husband's work.

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"Spacers" wrote:

And if a woman in one of these "shares" wants or needs an abortion, they WILL deny her claim. If a person has a medical issue related to drug addiction, they WILL deny his claim. Anything that the share administration deems to be "unbiblical" will be denied, which is pretty hypocritical since Jesus himself said to help others in their time of need, and he didn't specify only those with needs listed in the bible. And more denials... any amount of less than $300 will be denied because the share expects that you can pay that amount. Any amount over $250,000 (which is pretty easy to rack up with cancer or other chronic conditions) will be denied because, well, I don't know, I didn't read that far because I really don't care.

Abortion would be Murder according to the Bible so Jesus would not help a woman do that... Re: drug addiction I would have to read about it.. I think they do want to be clear they are not into promoting or supporting addictions period. Jesus also made it very clear to EVERYONE even in their dire time of need to GO and sin no more.. and yes would consider abuse of drugs a sin, as he does alcohol abuse.

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"Spacers" wrote:

And if a woman in one of these "shares" wants or needs an abortion, they WILL deny her claim.

Not all private insurance companies cover abortion either. I think most people that want an abortion have to pay for it out of pocket.

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"Rivergallery" wrote:

In my current plan any amount under $1000 in essentially denied per PERSON as that is our deductible ;). So for a family of four that is $4000 if we all needed medical treatments.. thank the LORD it is just me that needs medical treatment for the most part or we would be drowning in debt.. as it is we barely manage it.. This is with a great insurance plan through my husband's work.

That's not a great insurance plan. $1000 per person is not great. I'm sorry that's your situation, but I would never call that a good plan.

I had a great plan at my last job, and there was no deductible. I had $10 or $15 co-pays for check-ups and routine things, and then for more serious procedures the costs were higher depending on what it was.

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"Rivergallery" wrote:

Abortion would be Murder according to the Bible so Jesus would not help a woman do that... Re: drug addiction I would have to read about it.. I think they do want to be clear they are not into promoting or supporting addictions period. Jesus also made it very clear to EVERYONE even in their dire time of need to GO and sin no more.. and yes would consider abuse of drugs a sin, as he does alcohol abuse.

Treatment programs for addiction don't support or promote drug/alcohol use; their goal is to eliminate it. I am not a Jesus expert, but I have read parts of the bible about him and my husband is a believer; I can't imagine Jesus would kick the addicts out into the street and abandon them. Addicts need treatment and help.

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"freddieflounder101" wrote:

That's not a great insurance plan. $1000 per person is not great. I'm sorry that's your situation, but I would never call that a good plan.

I had a great plan at my last job, and there was no deductible. I had $10 or $15 co-pays for check-ups and routine things, and then for more serious procedures the costs were higher depending on what it was.

Almost all of the Obamacare plans I saw had deductibles that high. I will agree with you though. They are not great plans.

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I wanted to add that people tend to do whatever is going to be the best for them regardless of how they feel about it. For example, someone might feel bad about the labor conditions in China but still shop at Wal-Mart. In the same way if the Obamacare plans really were better and cheaper and affordable, people would buy them regardless if they had been against them. Myself included. However they are not affordable. At least not in my State.

ETA - For some people the health sharing plans are going to be the most affordable option.

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"AlyssaEimers" wrote:

I wanted to add that people tend to do whatever is going to be the best for them regardless of how they feel about it. For example, someone might feel bad about the labor conditions in China but still shop at Wal-Mart. In the same way if the Obamacare plans really were better and cheaper and affordable, people would buy them regardless if they had been against them. Myself included. However they are not affordable. At least not in my State.

ETA - For some people the health sharing plans are going to be the most affordable option.

The Obama-supported plans are affordable in many states. I have friends across the country who lost their jobs and SO grateful for an affordable option!

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"freddieflounder101" wrote:

The Obama-supported plans are affordable in many states. I have friends across the country who lost their jobs and SO grateful for an affordable option!

You just said that $1000 per person is not a good plan. Many of the plans I looked at were much more than that. If the plans were good plans, and truly affordable people would be signing up in droves. The fact that they are not speaks for itself.

ETA - Better than nothing? Yes. Good? No. Same as the health sharing plans. Better than nothing, but not ideal.

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"AlyssaEimers" wrote:

You just said that $1000 per person is not a good plan. Many of the plans I looked at were much more than that. If the plans were good plans, and truly affordable people would be signing up in droves. The fact that they are not speaks for itself.

I haven't heard $1000 deductible from any of them....but I also don't dig into their financial specifics. But they are telling me, and posting on FB even, that the plans are affordable for their families and a "lifesaver" given their situations.

I'm only reporting back what they tell me.

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I just went to the healthcare.gov website. I put in all of my own information in accurately. Keep in mind that you just said a detectable of $1,000 per person per year was not a good plan. Looking only at the first page of available plans, here were the following delectable per person available. $4,000, $5,300, $4,000, $4,000, $2,500, $5,300, $4,000, $2,500, $2,000, $2,500. Keep in mind this is per person not per family. Today I only looked at the first page, but when I looked at it before there were no plans that the deductibles were less than $1,000.

I will say though that the website was working better than the last time that I looked at it.

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Looking at further pages, I did find a few plans with lower deductibles. However, they only pay 50% of your claim. You are responsible for half of your bills up the the maximum out of pocket.

ETA - And this is with few doctors and hospitals accepting the coverage.

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I can't speak to the financial specifics. I can only tell you that this plan is helping people that I know. Here is an example of a friend's FB post:

I don?t normally get political on FB but this is important. I just secured health insurance for my family through Covered California! I?ve been unemployed since October and my former-company-paid COBRA runs out the end of March. If I wanted to continue it, it would have cost $3,000 a month! But I was able to insure my entire family through Covered CA at a very affordable rate (with the federal subsidy). This is a lifeline for us. Thank you, President Obama and the Affordable Care Act! If you need insurance, sign up! It's easier than I thought it would be and so worth it.

My information is exclusively anecdotal, I don't claim to have the big picture and I know nothing about economics. But I am hearing comment after comment from friends exactly along these lines.

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I had a great affordable plan picked out with thanks to the ACA but shortly after I took another position and was offered insurance through my employer. I would never take on a sharing healthcare plan through a religious based organization; especially through a Christian based whatever it is. First of all, I'm not Christian. Secondly, with the surround sound speakers and flat screen televisions being installed in a lot of churches, how will the money stick around for necessary things like people's health? Thirdly, I have pre existing conditions like having had sex before marriage (fun times!) and smoking a ciggie or two. I also like to sleep in on Sundays when I can so I def wouldn't attend church. I would be denied from this biblical insurance. The ACA doesn't mind sex, drugs, and rock and roll.

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