In this post I plan to avoid all politics but I will shine a light on the obvious failure that is Obamacare/Affordable Care Act. That’s it, that’s as far as I go – now with that said clearly the majority of Americans cannot afford the “affordable” health insurance anymore. The rate increases this year again have left many people wondering if they even have a choice? I don’t know your personal situation and each one is very unique. We have been in two different situations the first being self-employed (ouch!) and having to buy our own insurance 100% and the other being employed by a business but only having Mr. Frugal’s covered and even then only a small percentage. We were looking at $1000’s in monthly premiums not including co-pays, deductibles, and any medication we may need.
There was just no way. Our budget had absolutely no room for an expense like that but at the same time we did not qualify for any subsidies through Obamacare. So looking at our options and feeling pretty frustrated I started researching. Through friends on Facebook, internet searching, and many hours thinking and praying we decided on joining an alternative healthcare program – one though that was still an acceptable option to meet the law’s mandate for health coverage.
This is when we decided on Christian Healthcare Ministries. The rates are knock-your-socks-off lower than any plan on the Obamacare Health Insurance Marketplace however it is not insurance (more on that here). Just as an example if you wanted the highest level of coverage for 2 adults (Gold plan plus Brother’s Keeper) you’re looking at a MAX of $350 per month. However there are catastrophic plans that start as low as $45 per person. Yep that’s right just $45 a month total.
You can read more about how the plan works, costs, etc here. But here’s one of neatest parts of this program – you can get your monthly membership FREE by referring your friends. “For every new membership you bring into CHM, you will receive a free month of membership after your friend submits their third monthly financial gift.”
Our family have been members of CHM for a year now and while we have not had to submit any claims yet (that just means we’ve been healthy, thank you Lord!) we have saved over $12,000 in medical expenses. The way we look at it even if you choose the Silver plan in which you are responsible for the first $1,000 of each incident that still leaves you ahead each year. Unless of course you are in the hospital and 12 times and you have to pay the $1,000 per visit.
I could go on and on and I am sure I have barely scratched the surface of your questions, so please feel free to comment here or message me privately and I’ll do my best to help. If you do choose to sign up we would be so very blessed if you would use our family as your referral by signing up through this link.
Advantages to joining Christian Healthcare Ministries:
- CHM is affordable and compassionate
- An eligible option for individuals under the Affordable Care Act (ACA)
- Generous maternity program
- Choose your own health care providers
- No application fee or annual fee
- No one is dropped or denied membership due to medical conditions
- Costs are not adjusted based on medical conditions or history
- Bill discounts often eliminate out-of-pocket expenses
- Longevity, integrity and accountability
- One free month for each new membership you bring to CHM
- Knowing that each financial gift goes to help a fellow Christian as fellow Christians stand by to help you!