Christian Health Share:
A Health Insurance Alternative Worth Exploring
What is a Christian Health Share plan? Health Care Sharing ministries are founded on the biblical principle of believers sharing each other’s needs. Ministries often cite the mandate of Galatians 6:2 to “Bear one another’s burdens, and thus fulfill the law of Christ” as applicable to medical costs. Some see origins in the Book of Acts 2:44-45, which states that early Christians “were together and had everything in common” and “gave to anyone as he had need”.
A health care sharing ministry is an organization that facilitates sharing of health care costs among individual members, in the United States, who have common religious beliefs. A health care sharing ministry does not use actuaries, does not accept risk or make guarantees, and does not purchase reinsurance policies on behalf of its members.
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STATEMENT OF STANDARDS
Healthcare Sharing ministries typically ask members to agree to live a clean and healthy lifestyle and share a set of ethical or religious beliefs. It means that their members can contribute less and receive more from membership.
THE BELIEFS OF MEMBER’S SHARE
A typical Healthcare Sharing Ministry believes that its members care for one another. They are expected to keep their bodies clean and healthy with proper nutrition. They believe the use of any form of tobacco, illicit drugs and excessive alcohol consumption is harmful to the body and soul. They believe that marriage is a bond between a man and a woman. Sexual relations outside of the bond of marriage are morally wrong. They believe abortion is wrong, except in a life-threatening situation to the mother. They care for our families and physical, mental or emotional abuse of any kind to a family member or anyone else is morally wrong.