Florida Resident Says No to Healthcare Law

Legislation Exempts Religious Healthcare Sharing Organizations

In the midst of a shaky economy, Florida resident Bruce Campbell is more than happy to save money wherever he can. . . even on healthcare.  He and his family are members of Medi-Share-a healthcare sharing ministry where members share financial resources to directly pay one another's medical costs.  A little-known exemption in the Patient Protection and Affordable Care Act (section 1311(d) (H); Page 128) exempts them from compliance.  Bruce, his wife and five kids are just seven of the estimated 100,000 people across the U.S. who are members of healthcare sharing organizations.  (See who else is exempt from the healthcare law.)

Medi-Share, a program of Florida-based Christian Care Ministry, offers more than just a way for people to share each other's medical expenses.  Not insurance, Medi-Share is 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 misfortunes resulting from lifestyle choices that run contrary to biblical values.  Many of these services that 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.  (See a timeline of when healthcare law provisions go into effect.)

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). 

"The cost of health insurance for the average family could increase by as much as $8,800 by 2016 while income wage will only increase by $2,315 during that same time period," said Robert Baldwin, president of Christian Care Ministry.  "Fortunately, there are options that have already been proven successful in driving down costs and yielding healthier lifestyles." (Sources: An Analysis of Health Insurance Premiums Under the Patient Protection and Affordable Act; Congressional Budget Office, 2009Trends in Productivity and Wages; Consensus Economics, 2010 )


Interview Opportunities: 

  • Local resident who is exempt from healthcare law because of healthcare sharing ministry membership

  • Robert Baldwin, president of Christian Care Ministry


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 also 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 and there is no pooling of funds as practiced by insurance groups.  However, during its 17-year history, Medi-Share members have faithfully shared their resources to pay all eligible medical expenses.

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.

 -30-