Healthcare Bill-Sharing Program Christian Care Ministry

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1 healthcare bill-sharing program

1.1 medi-share

1.1.1 eligibility
1.1.2 legality
1.1.3 exemption affordable care act mandate







healthcare bill-sharing program

in order participate in christian care ministry’s bill sharing program, members must christians ascribe statement of faith , active members of church community.


medi-share

medi-share main focus of christian care ministry, , has been primary service of christian care ministry since 1993. christian healthcare system of medical bill sharing. however, medi-share not insurance, , not medical conditions eligible sharing. participants pay ahp (annual household portion) toward own medical costs; expenses beyond eligible sharing among ministry’s membership. of 2017, medi-share has grown on 300,000 members share millions of dollars annually pay 1 another’s medical bills. central theme of christian care ministry connecting , equipping christians carry each other’s everyday burdens . guiding principles of medi-share biblical , based on teachings found in new testament, particularly found in galatians 6:2, states: “carry each other’s burdens, , in way fulfill law of christ.”


eligibility

medi-share allows members each other medical bills, goal of providing true example of christian healthcare. however, medi-share not insurance , not guarantee medical costs of members shared. conditions excluded, particularly arise lifestyle not meet guidelines of organization, such drug or alcohol abuse, or extramarital sex. many members find medi-share helps them meet family healthcare needs @ lower cost health insurance.


legality

in 2002, christian care’s medi-share bill-sharing program challenged states’ insurance regulators due status christian healthcare organization. 43 states have inquired legality of program, , in cases legal action taken. series of court cases in kentucky resulted specific way in medi-share processed members’ shares , disbursed payments. changes have since been made medi-share system bring line state regulations , maintain organization’s non-insurance status. of june 25, 2013, court ruled medi-share allowed operate in kentucky. medi-share operates legally in 50 states state disclosures specific illinois, kansas, kentucky, maine, maryland, missouri, pennsylvania, texas, , wisconsin.


exemption affordable care act mandate

medi-share program membership numbers have seen increase may related individual mandate of affordable care act, requires individuals in u.s. have health insurance 2014 or face tax penalties. medi-share members, of other healthcare sharing organizations, exempt individual mandate , not required purchase health insurance.


when healthcare reform debate in 2010, public interest in faith based bill sharing programs medi-share grew 150 percent. since passage of affordable care act medi-share membership rates have risen. prior passage of aca, annual membership grew @ rate of 10 percent per year. since bill’s passage, medi-share membership 15 percent per year.








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