Christian Sharing is a solution for many… and the data don’t lie.


Christian Sharing can be a fantastic solution sent down like manna from heaven. Mitigate the risk of large healthcare obligations and compare this vs an HMO?  I think as a member of one of these ministries myself, I really love the risk reward math.

Learn more an expert and save money on Anything Insurance & more… with Mark Roden as your Chief Risk Officer.

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Mark Roden - Dave Ramsey Endorsed Local Provider

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2018 Open Enrollment dates for ACA & More From CMS

CMS has released the latest changes to ACA (Obamacare) for 2018 with a press release.

The open enrollment period for obtaining coverage for individual coverage will be November 1, 2017 through December 15, 2017 for plans starting January 1, 2018.  This is the same open enrollment as Medicare markets for those over 65.

You can read the full CMS press release here

CMS makes several policy changes to improve the market and promote stability, including:

  • 2018 Annual Open Enrollment Period: The final rule adjusts the annual open enrollment period for 2018 to more closely align with Medicare and the private market. The next open enrollment period will start on November 1, 2017, and run through December 15, 2017, encouraging individuals to enroll in coverage prior to the beginning of the year.
  • Reduce Fraud, Waste, and Abuse:  The final rule promotes program integrity by requiring individuals to submit supporting documentation for special enrollment periods and ensures that only those who are eligible are able to enroll. It will encourage individuals to stay enrolled in coverage all year, reducing gaps in coverage and resulting in fewer individual mandate penalties and help to lower premiums.
  • Promote Continuous Coverage: The final rule promotes personal responsibility by allowing issuers to require individuals to pay back past due premiums before enrolling into a plan with the same issuer the following year. This is intended to address gaming and encourage individuals to maintain continuous coverage throughout the year, which will have a positive impact on the risk pool.
  • Ensure More Choices for Consumers:  For the 2018 plan year and beyond, the final rule allows issuers additional actuarial value flexibility to develop more choices with lower premium options for consumers, and to continue offering existing plans.
  • Empower States & Reduce Duplication:  The final rule reduces waste of taxpayer dollars by eliminating duplicative review of network adequacy by the federal government.  The rule returns oversight of network adequacy to states that are best positioned to evaluate network adequacy.

The press release included recent data for 2017 open enrollment

*Recent statistics related to the Affordable Care Act:

  • Approximately one-third of counties in the U.S. have only one insurer participating in their exchange for 2017.
  • Five states have only one insurer participating in their exchange for 2017.
  • The premium for the benchmark second-lowest cost “silver plan” on increased by an average of 25 percent from 2016-2017.
  • Approximately 500,000 fewer Americans selected a plan in the exchange open enrollment in 2017 than in 2016.
  • Many states saw double digit increases in their insurance premiums including:
    • AZ – 116%
    • OK – 69%
    • TN – 63%
    • AL – 58%
    • PA – 53%

You can read the final rule here


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Open Enrollment 2017 ends 1/31/17 & Ambetter ALERT (watch if you have Ambetter HMO)

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