Nowadays, it has become very costly to access medical healthcare.  For this reason, people have come up with more affordable ways of paying their medical bills.  This is by joining health sharing plans which have been existing for several years.  These sharing plans are an alternative to the traditional health insurance that most people used to take.  However, due to the execution of the  ACA (Affordable Care Act), membership for the health sharing plans have gone down.  This is because ACA has a mandate to make people buy health insurance.  Other than that, health caring plans are quite cheaper than the insurance policies.  The following are facts about health sharing plans.


The health sharing plans at enable people to share medical costs.  Since most of them are non-profit making organizations, they normally pool together deposits from all members to pay for medical bills for the sick member.  This means that members usually pay their own costs for medical care though it's cheaper compared to health policy.  However, when the organization is faced with huge medical expenses, they usually contact the ministry for them to assist in sharing the medical bill among members.


It is also important to note that health sharing plans are not the same as health insurance nor do they provide insurance coverage.  What happens is that members are free to choose their medical providers.  The also negotiate for their charges and subsequently settle their own medical expenses.  However, the ministry is responsible for giving monetary assistance for treatment or procedures that are covered after they occur, check it out!


Subsequently, since health sharing plans do not offer minimal essential coverage as stipulated by the Affordable Care Act, they are not under any regulations by the state or federal law, to provide a certain coverage like the other health plans.  Also, a guarantee of coverage is not needed from them.  Additionally, if the health sharing plan becomes bankrupt, there are no laws for recovering the member's money.


In addition, these sharing plans normally don't cover pre-existing conditions.  Therefore, members who join while still undergoing treatment for a certain condition are not eligible for bills settlement.  However, when their treatment becomes a routine, the medical expenses can be paid using a graduated schedule of treatment. To get some facts about health, go to



Also, health sharing plans do not cover small expenses and costs of preventative care.  Preventative care includes costs incurred for tests and medical examinations such as colonoscopy.  They usually encourage members to live healthy lifestyles.