It’s no secret that the healthcare system in the United States is beyond broken. What’s worse, Congress does not seem capable of fixing it anytime soon. Despite spending far more per capita than any other country on medical care, the United States does not even rank in the top 50 countries for life expectancy. This is exactly why health care sharing is growing exponentially in recent years! People are FED UP.
Attempts to fix the problems have only seemed to make matters worse. Medical costs have continued to explode since the creation of Medicare in the mid-1960s despite new regulations being periodically enacted over the years to attempt to control costs.
The Affordable Care Act (Obamacare) is the latest attempt to “control” costs and bring sanity to the healthcare insurance industry. Unfortunately, as of this writing, health insurance premiums continue to increase with individuals and families required to pay for an ever-larger share of their coverage even when employed by large companies, companies which only a few years ago, covered most or all of the cost.
A full-time teacher I know recently confided that her out of pocket expenses for health care through her employer more than doubled (same company, same coverage) with the recent launch of the Affordable Care Act, a law which has yet to live up to its name.
For those following a healthful diet and lifestyle who rarely if ever require a doctor’s care, the frustration with healthcare insurance is two-fold. First, the sobering realization that the rapidly rising expense for medical coverage is due in large part to the GMO-ridden Standard American Diet and high stress/low activity lifestyle of a consenting majority suffering from a plethora of serious health problems being “managed”, never resolved, by overpriced pharmaceutical drugs.
Secondly, the knowledge that in the event healthcare insurance is ever needed, that conventional drugs and surgery would be the only treatments covered by insurance with any holistic or alternative treatments paid for out of pocket.
This reality hit home with me a few years ago when I tried in vain to have a preventative breast thermogram covered by my medical insurance instead of a cancer-causing mammogram. You can read about that saga here.
In essence, relying on healthcare insurance is being caught between a rock and a hard place. Not only is it very expensive, but even in the event of serious illness, you won’t get the coverage and treatments you desire if you are alternatively minded.
For example, let’s say you or a loved one is diagnosed with colorectal cancer. With healthcare insurance, you would in all likelihood be forced into surgery/chemo/radiation even if you have identified a different treatment protocol with a higher probability of success with less toxic side effects.
Makes no sense does it?
Rather than continuing to flush money down the toilet every month paying for healthcare insurance we felt was throwing good money after bad, my husband and I decided to seek out a completely different approach to meeting our family’s health care needs.
What we discovered is a concept that is very new, but at the same time, very old.
Health Care Sharing: An Idea Whose Time Has Come
Our primary goal was to identify a financially sound approach to meeting our family’s health care needs that preserved our freedom of choice when it came to treatment options. We started to investigate the historical concept of “mutual aid societies,” organizations that were crucial to American life up until the beginning of the last century. In 1910, an estimated one in three Americans belonged to such an organization, which provided temporary help to those who became ill or lost a job, for example.
The rise of government programs such as food stamps, Medicaid, unemployment insurance and welfare gradually caused the disappearance of mutual aid societies and the insurance model to take its place.
In the 1990s, the concept of a mutual aid society formed the basis for the development of a new model for meeting an individual or family’s health care needs: Health Care Sharing. It is important to understand that health care sharing it is not healthcare insurance, but rather a way to meet health care needs by balancing them with the shares the members fund on a monthly basis.
Why We Switched to Healthcare Sharing
After much investigation, thought, and discussion, we ultimately decided to take the bold step and cancel our healthcare insurance with Humana and enroll with Samaritan Ministries, founded in 1994 and the largest of three health care sharing organizations in the United States. When I originally wrote this post in March 2014, Samaritan had 105,000 members (33,000 households) in all 50 states. As of February 2017, these numbers have more than doubled to more than 224,000 members and 68,000 households.
Our decision to switch was primarily based on the positive testimonials from friends who were longtime members of Samaritan and had used it for everything from heart attacks to births of babies. In addition, my husband who is from Australia was very keen on the idea as mutual aid societies similar, but not identical, to the concept of health care sharing are popular in his home country and he had used one for years for medical coverage prior to moving to the United States.
While the monthly cost of Samaritan is not significantly different than the $450/month family policy we had with Humana, the peace of mind knowing that when and if we have a medical need, we get to choose our health care provider and course of treatment with 100% of the need being met is priceless. In addition, Samaritan members share in needs starting after the first $300 spent (Samaritan Classic), while the Humana policy we used to rely on had a very high deductible.
Another big plus is the tremendous satisfaction of knowing that our health care dollars are not going to support treatments and therapies that we don’t philosophically agree with.
Different Samaritan Policies
Note that Samaritan offers different policies. Our family has Samaritan Classic, where the monthly cost never exceeds $495, but there is also Samaritan Basic where the monthly cost for a family is $250-400/month.
In addition, policies start at $100/month for a single-person membership with the oldest head of household 29 or younger. To compare both plans and the monthly cost based on household size, download an information packet or go to this online calculator.
Health Care Sharing vs Obamacare or Group Insurance
Perhaps the best news of all is that health care sharing societies such as Samaritan Ministries is a cost-effective alternative to ObamaCare and individual insurance policies. It’s even cheaper than the group insurance offered by large companies in most cases.
If you are in a similar quandry about your health care situation, I would encourage you to investigate the concept of health care sharing for yourself.
Click here for more information or to download an information packet.
*Please note that Samaritan Ministries is not for everyone. Depending on where you live and your religious affiliation, you may not meet membership criteria. However, if you know of other organizations with a health care sharing philosophy, please include this information in the comments section.
UPDATE on our Samaritan Experience
We’ve now been with Samaritan Ministries for almost 7 years and couldn’t be happier or more satisfied. We still often wonder why we didn’t switch sooner. We would have saved so much money and stress! Our Samaritan policy is even covering one of our children now in college!
graphics used with permission of bestnursingmasters.com
Thank you sooooo very much, Sarah for broaching this subject – it is very important to all us “healthy” citizens that, at times, do not know what to do. Our current health care system is for the “unhealthy.”
Hi Sarah, I wanted to point out that the US’s life expectancy is lower precisely BECAUSE we have the best health care system in the world. Yes, you read that right. Because we have neonatal care that doesn’t exist in other countries, we do not terminate all high risk births. We bring a lot more babies to term that are “long-shots” and save some of them. Of course, the ones that we don’t save add a lot of zeros to the mix. if you look at life expectancy and only count the people who lived past 6 months, the data looks very different. In addition, all countries calculate their life expectancies differently and some don’t even count the premature babies that do not survive, or the babies that do not survive past x months. It’s a really common statistic that is TOTALLY WRONG! Thanks for the great blog!
FYI, You’re referring to mortality rate, not life expectancy rate.
It probably is too expensive, but that has nothing to do with the life expectancy. Low life expectancy is because of laziness and bad diets. With out our medical technologies in the states our life expectancy would be even worse.
Thank you for the article on the health coverage Sarah. Since my retirement the coverage dwindled and the cost was ever spiraling upwards. Suffering from many health issuers I decided to take responsibility for my health. My doctor I like, the hospital were OK but they did not help. They only prolong the agony. As I started to go away from main stream medicine, my health started to improve. Over the last four years I have survived a heart attack, insulin dependency, obesity, and many other issues. Now I see myself free from insulin dependency to control my diabetes and use only cinnamon. Have lost weight and this coupled with no insulin have normalized my health to the point that I see signs of remission of my many health problems.
Insurance based health is death. The solution is a mix of some medical protocols and a lot of good nutrition and holistic approach to health issues. Your web site offers a lot of alternatives in the nutrition area that can be used to remain healthy.
Sincerely,
Frank
Thank you everyone for all of your thoughtful comments. I know first hand the healing power of prayer in my walk with Jesus. Now my prayers have been answered as to solve the non-compliance issue of sick-care insurance. Who knew!
Heather, I agree with you, which is why I said “often (not always)” and “there are always exceptions”. I even mentioned the horrid food found at the typical church potluck.
The studies I have seen didn’t compare alternate religions (unless they were grouped with atheism), which is why I didn’t mention them. It would be interesting to compare believers of different faiths with not only each other, but also with those who believe they don’t believe in a god of any kind.
I don’t see how it is assumed that I assumed anything about the lifestyle habits of non-Christians. I was simply mentioning what researches *tend* to find when they compare Christian lifestyle habits to non-Christian.
LOVE Samaritan. We too looked at Samaritan and Medishare for years – being leary – before joining. I’m SO glad we did. We have been blessed beyond measure by the needs that we had covered in full. The FREEDOM from being under government control is HUGE.
I’m sure Germany’s hospital stay cost is second because there are so many Americans in Germany, and they get admitted to hospitals on the German economy.
Hi Sarah! My husband and I belong to SMI as well. It has been a blessing to be a part of a ministry where we can help others to pay their medical bills and we have had the need once ourselves. I am grateful for your blog.
You’re assuming that non-believers are also non-spiritual, have poor morals, and have poor lifestyles, none of which are necessarily the case. It is also not necessarily the case that believers live better than others. It is also not true that to be not Christian is to be atheist. What about Jews, Hindus, Muslims, Buddhists, Pagans, etc?
I’m an atheist. I’m also a devoted WAPF member, FTCLDF member, and raw milk advocate. I love all members of the real food movement, but I do have this one difference with them–religion. Contrary to some of the above posts, atheists in general are some of the most thoughtful and considerate people you will meet. They are intelligent and independent-minded. They are not dirty, irresponsible, or evil. They are critical and draw their own conclusions about things. It takes a lot to be atheist in this world where everyone else believes in the supernatural. This last quality should be highly valued among those who read this blog. Most of us follow our own path when it comes to food and health, so why would we exclude those who follow their own spiritual path?
Thank you for speaking out!