11 Million Americans Need Not Comply with ObamaCare

Legislation Exempts Religious Healthcare Sharing Organizations

The healthcare debate has left most Americans thinking they have no choice but to comply with the Patient Protection and Affordable Care Act or face financial penalties.  But 11 million* Americans can choose not to conform.  The healthcare law contains a little-known exemption (section 1311(d)(4)(H); page 128) for members of healthcare sharing ministries - organizations where members share financial resources to pay one another's medical costs. 

One such healthcare sharing organization—Medi-Share, a program of Christian Care Ministry—offers more than just a way for people, specifically Christians, to share each other's medical expenses. Healthcare sharing organizations are not insurance, they are a community of like-minded people who come together to encourage one another, promote healthy living and share each other's healthcare costs. And, because members share a common set of religious beliefs, they do not contribute to medical expenses related to abortions or other medical problems resulting from lifestyle choices that run contrary to biblical values.  Many of these services which run contrary to Christian beliefs are covered under the new healthcare law. Thus, Medi-Share offers significant savings when compared to the average insurance premium paid. 

"The amount I contribute to others' medical costs is significantly lower than when I paid a health insurance premium," said Medi-Share member Todd Davis.  "And, my conscience is clear because I know the program only supports practices and procedures that align with my faith." 

Sharing medical bills through Medi-Share has saved individuals an average of 32 percent (or $945 per year) and families an average of 47 percent (or $2,944 per year) when compared to paying an average insurance premium (source: A Comprehensive Survey of Premiums, Availability, and Benefits; AHIP Center for Policy and Research, 2009). 

Since it began in 1993, Medi-Share has been successful in facilitating the sharing of medical costs, with more than $400 million in medical costs shared by members.  Due to its large network of providers, members have saved an additional $100 million in discounted medical costs. 

Medi-Share is not health insurance since its members remain ultimately responsible for their own medical bills. However, during its 17-year history, Medi-Share members have faithfully shared their resources to pay all eligible medical expenses.

"Just since the new Affordable Care Act was passed, the Congressional Budget Office has already announced that insurance premiums will rise even more than originally suspected," said Robert Baldwin, president of Christian Care Ministry. "Fortunately, Christians have an option that has already been proven successful in driving down costs and yielding healthier lifestyles."

Christian Care Ministry has provided biblical healthcare solutions for 17 years. More than just healthcare, it is a community of people who pray for and encourage one another, and a team of professionals who promote and support living a healthy, biblical lifestyle through programs: Medi-ShareRestoreManna and Healthy Church.


*Approx. 14 million Americans have individual health insurance versus insurance through their employer (source: Kaiser Family Foundation statehealthfacts.org); Approx. 78.5 percent of Americans claim to be Christians (source: Pew's U.S. Religious Landscape Survey, 2008)