Christian Sharing is here to stay…and growing in numbers

Did you know there are fantastic NON-INSURANCE healthcare solutions out there?

Three major ministries in fact.  Right now over one million people have chosen this

option over traditional insurance.  One of them is me.

Which one is right for you if any?  I can verify they are looking better and better as

we get deeper into the ACA (Obamacare) health plans, HMOs, sky-high premiums,

and shrinking networks where your doctor is no where to be found.  I have been a

member of two different Christian Sharing ministries the last 4 years and can tell

you I love Christian Sharing Ministries.  I have known about them for over 15

years so anything you want to know from a member perspective, or a insurance

counselor perspective, I am game.  I am also available via email, screen share, & phone.

Thankfully Christian Sharing ministries are available ANY TIME OF THE YEAR.

That is 365 days a year compared to ACA plans where you only have just 45 days of

open enrollment per year (unless there is a life event like divorce, marriage, death,

loss of health benefits, etc. called special enrollment provision).  

Want to know more?


First, PLEASE READ THIS DISCLAIMER: remember Christian Sharing is

unlike insurance, meaning it is NOT HEALTH INSURANCE.  So do not use

insurance terms.  The good thing is, I invite you ask me any questions before you

make your final decision about whether Christian Sharing is right for you or

your entire family.  I am a licensed insurance counselor so I have over 30 years

of experience in many areas of healthcare cost containment not just insurance.

WHAT IS Christian Sharing?  What does Dave think?  Stay tuned.

Lets start with OPTION 1 in Christian Sharing:

It is a health care sharing program that enables Christians to share their

financial resources to pay each other’s medical expenses. Operated by a

Ministry, a 501(c)3 non-profit ministry, it offers a proven biblical model

for health care—Christians helping Christians! Since 1993, members have

had more than $1.4 billion of their health care costs shared and discounted

through the program. it is about half the cost of insurance, and you can rest

assured that your health care dollars will not be used for unbiblical procedures.

Biblically-based health care:

  • None of your money goes to support unbiblical lifestyle choices like abortion

or the “morning-after” pill.

  • You will be part of a community of Christians dedicated to sharing one

another’s burdens and praying for each other!


Exempt from penalties:

  • As a member, you’re exempt from the requirement to purchase health

insurance or face penalties due to a special provision in the Affordable Care Act!

No Limits on Sharing:

  • Members enjoy sharing of eligible medical bills with no sharing limits per

person or per year!

  • During the first month of membership, however, there is a $50,000 limit

on sharing of eligible medical needs.

  • Sharing is not by percentage responsibility, for example, 80/20 or 70/30—

it’s at 100% for eligible bills once your Annual Household Portion has

been met.


  • Prescriptions are eligible for sharing (for a six-month period) if they are

related to a new eligible illness, injury or accident.

  • Members have access to prescription discounts which can help you save

an average of 40 percent on all your medications – even if it is a medication

you already take.

PPO Network:

  • Private Healthcare Systems (PHCS) is one of the largest and strongest

PPOs in the country!

  • Using network providers saves members millions of dollars each year.

However, you’re able to use any doctor, specialist or provider you want,

even if they are not in the network! A penalty may apply for using a

non-network provider.

Provider Fee (similar to a “copay” and paid at time of visit/procedure):

  • $35 – for visits to a doctor or specialist or if you’re admitted to the hospital

  • $135 – for an ER visit, if you’re not admitted to the hospital


Member Perks:

  • $0-cost, 24/7 access to doctors via phone or video who can diagnose

conditions and prescribe medications

  • Dental discounts of up to 60 percent on many dental procedures such

as routine oral exams, unlimited cleanings, and major work such as

dentures, root canals, and crowns

  • Vision discounts of up to 30 percent off the retail price of eyewear


Unlike insurance, members don’t pay premiums. Instead, they deposit

a monthly share amount, based on the program option they choose.

When looking at pricing, you will see that the options are based on your

choice of an Annual Household Portion (or “AHP”). The AHP is the

portion of your own eligible medical bills (new injuries, new accidents

and new illnesses) that you pay before eligible medical bills are

processed for sharing. Once you have satisfied your AHP, any eligible

medical bills for the remainder of the year in your household will be

processed for sharing at 100 percent.


View many options and your monthly share prices on my website:

I even included what Dave Ramsey says about Christian Sharing on the site.

I salute you for exploring the Christian Sharing option for your

health care needs. Please feel free to contact me with any follow-up

questions you may have under the contact section on my blog

or directly via email at

Get Updates

Sign up to receive these articles right to your inbox

The End Is Near

I asked my very talented 10 year old Alexa to make a short video to scare people into the reality that THE END OF OPEN ENROLLMENT for 2015/2016 is fast approaching and ends 1/31/2016.

Take a look…..

Get Updates

Sign up to receive these articles right to your inbox

Open Enrollment 2016

Every year under the ACA there is a time where everyone regardless of health or circumstance can change health plans either through the Marketplace or directly with insurance carriers.  In 2016 the dates have now been set.

Individual Market Open Enrollment Period Set for 2016

The CMS has set the under 65 market annual open enrollment period for 2016 to begin on Nov. 1, 2015, and run through Jan. 31, 2016, giving consumers three full months to shop. The Medicare open enrollment for 2016 is set for Oct. 15, 2015, through Dec. 7, 2015

Of course if you receive your health insurance through an employer you will have to work within their open enrollment dates as well.

Teachers for example usually have to make their open enrollment changes in August.  There will never be a perfect time; however, these 2016 dates are a vast improvement.  Remember the earliest effective date will be 1/1/2016.

Plan ahead and make the changes that benefit you and your family.  Use tools like to view all the plans available.  Consult a broker because it does not cost you any more money to gain expert advice.  Do not be afraid to use all options available.

Example:  Wife & kids on employee plus children rate through school district cost my family $297 a month (pretty good deal for 5 belly buttons).  If I was on the plan (under Family rate) it would be north of $1,000.  I gained coverage elsewhere for $170 so my monthly savings is over $500 a month or $6000 a year.

I call this strategy “slice and dice.”

In summary, plan ahead and look at all your options and all your combinations.  Obviously, there are other considerations with deductibles and overall risk so you will have to do the math.  Get help and take some time to evaluate what is best for your family every year.


Get Updates

Sign up to receive these articles right to your inbox