Health Care Sharing Ministries – Not Real Insurance

Health care sharing ministries (HCSMs) are organizations in which members who adhere to similar beliefs share each other’s health care costs. 

Many of them have been BANNED from doing biz in CA Insurance.CA.Gov!!!

The monthly cost for a patient or family in a ministry plan is usually cheap relative to a monthly insurance premium. However, neither the Affordable Care Act nor the Department of Insurance (CDI) consider ministries to be practicing insurance, so they’re not regulated in the same way as traditional health plans.  Introduction and Explanation from Texas Medical Assoc.

New regulation would define healthcare sharing ministries as health insurance and for the first time allow some members to take a tax deduction for their monthly contributions.  Federal Registry – Definition Health Sharing Ministry  *    However,   Incentivizing payments to HSMs will only accelerate medical debt and poor health outcomes during an international health crisis.  COMMENT LETTER FROM 20 STATE ATTORNEYS GENERAL *

Side by Side Comparison
Health Sharing Ministries to ACA Plans
Click to enlarge
side by side comparison Christian plans to ACA Obamacare

Pre Existing Conditions

Mental Health – Pre Existing Conditions – Not Covered?  my christian  * “They looked back at the history, and they were basically telling us that if the child had ever had an ear infection prior to them being covered under this program, that they were denying the procedure as being due to a pre-existing condition *   insure me   *

Must live
Christian lifestyle

No mental health or drug abuse coverage

Prescriptions only covered six months

Health Sharing Ministry Plans often refuse to cover any claim putatively resulting from immoral activities such as drug use,  adultery, fornication, homosexual behavior [and] bisexual conduct or  grant maternity coverage to unwed mothers.  Adopted children can be covered unless they’re disabled, in which case CHM reserves the right to refuse coverage. LA Times *   2018 report for the National Assn. of Insurance Commissioners,

No protections by CA Department of Insurance or ACA Obamacare

No guarantee that your bills will be paid

The sharing is voluntary not mandatory  the penny  *

anti cancer

No tax deduction for meta-share premiums

It’s not insurance so there’s no guarantee if your plans will get paid   journal of  *


AlieraCare offering by Unity Healthshare, LLC, through Aliera Healthcare, Inc., is a faith-based medical needs sharing membership. Medical needs are only shared by the members according to the membership guidelines. Our members agree to the Statement of Beliefs and voluntarily submit monthly contributions into a cost sharing account with Unity Healthshare, LLC, acting as a neutral clearing house between members. Organizations like ours have been operating successfully for years.

We are including the following
caveat for all to consider:

This publication or membership is not issued by an insurance company, nor is it offered through an insurance company. This publication or the membership does not guarantee or promise that your eligible medical needs will be shared by the membership. This publication or the membership should never be considered as a substitute for an insurance policy. If the publication or the membership is unable to share in all or part of your eligible medical needs, or whether or not this membership continues to operate, you will remain financially liable for any and all unpaid medical needs.

This is not a legally binding agreement to reimburse any member for medical needs a member may incur, but is instead, an opportunity for members to care for one another in a time of need, to present their medical needs to other members as outlined in the membership guidelines. The financial assistance members receive will come from other members’ monthly contributions that are placed in a sharing account, not from Unity Healthshare, LLC.  Aliera Health *

Check your ID Card – Is it Insurance? 

Courtesy Texas Medical Assoc
Courtesy Texas Medical Assoc

Insure Me Kevin . com

Explains that it’s not right for Covered CA to require agents to show how Health Caring Ministries are not “any good,” but other sales people don’t have to.

Steve Shorr - Covered CA Certified Agent

Steve Shorr – Covered CA Certified Agent –
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Links & References

See all footnotes and brochures above and in the right hand column

Introduction and Explanation from Texas Medical Assoc.

Los Angeles Times on people frustrated with ACA premiums going to Health Sharing Ministries.

California Health Line on new fangled plans finding loopholes in ACA/Obama & Trump Care have big gaps in coverage!

Health Care Sharing Ministries:  Commonwealth Fund   What Are the Risks to Consumers and Insurance Markets?

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When you get a FREE quote, you can also see the benefits, view actual brochures, MD and Hospital Lists all ONE easy process with no obligation & it can be anonymous.   Enter your zip code, date of birth, family – household taxation relationships (MAGI – Definition),    Estimated MAGI – Modified Adjusted Gross Income for the upcoming – current year.  Last years tax return only gives an idea so that Covered CA can approve your advance tax credit to help pay premiums.

If you qualify for tax credits – subsidies and want them in advance (Pros-Cons) of filing your taxes click on “Health On Exchange” – Covered CA, illustrated below.

This website and are individual consultation are provided to you FREE of Charge!  We are paid by Covered CA and/or the Insurance Companies to help you.  When you fill out the Covered CA ONLINE Application, just appoint us as your agent under Find Help in the Upper Right Hand Corner so that we get paid for helping you.  Click here for screen shots for more detail of how to do it.  If you prefer, you can pay us a consultation fee in lieu of appointing us as your agent, for educational services only.

You can then see all the quotes on the exchange, showing the Cost Share Reduction – Enhanced Silver  if available, subsidy – tax credit amount and your net premium.    If you click “Off Exchange” you will see more plans and companies which  may have larger provider lists.   Scroll down for more screen shots.

Then click on “View Plan Details” – “View Doctor’s & Providers” – to compare and get more information.  Please note that the quote engine does not show enhanced silver, but shows silver at 70%.  Check our chart for the better silver coverage.   To apply, click on apply now or use the links in the right hand column, ON THIS PAGE, but it will have you redo the quote for that specific company.   The price is the SAME, no matter if you use us, go direct to Covered CA or the Insurance Company, as mandated by law!  If applying through Covered CA, be sure to sign the form to appoint us as your agent.  It’s not all the easy to figure out how to do it on their website.

 If you have any questions email [email protected] or call us 310.519.1335

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