As a single, self-employed individual I've paid for my health/medical insurance premiums for quite a while. My affiliation with Shaklee enabled me to take advantage of a group plan with United Healthcare; however to keep my monthly premium affordable, I opted for a $7,500 deductible.
Fortunately I'm in good health and, except for regular eye and dental checkups, I don't make routine doctor's visits. When I do consult with a healthcare professional, I tend to choose "alternative" practitioners who aren't covered under traditional plans; so I pay out of pocket.
November 1, 2015 to January 31, 2016 is "open enrollment" time for traditional health insurance plans. At Samaritan, it's always "open enrollment time." You can join whenever you choose. I encourage you to check it out. The Samaritan team is wonderful about answering questions and if you decide to join Samaritan, please let them know that I referred you.
In case you're wondering, being a member of a healthcare sharing ministry satisfies federal health care law’s requirement that you have insurance or pay a penalty-tax
I've included several links below that might be helpful. I also invite you to watch the video at the end of this post, "Why Having Good Medical Insurance Can Be Dangerous to Your Health!"
- Samaritan Ministries - www.samaritanministries.org
- Medi-Share (aka Christian Care Ministry) - https://mychristiancare.org
- Christian Healthcare Ministries - http://www.chministries.org
- Liberty Health Share -- http://www.libertyhealthshare.org
- The Alliance of Health Care Sharing Ministries - http://www.healthcaresharing.org
- Health Sharing Ministry Comparison Chart - http://www.cchfreedom.org/pdf/Health_Care_Sharing_Ministry_Comparison.pdf
- Health Care Sharing is Exempt from Obamacare - http://www.libertyhealthshare.org/healthcare-exempt-from-obamacare
- Opting-out of Obamacare through medical-sharing ministries - http://www.cnbc.com/id/100935430
Watch this brief interview with Dr. Robert Scott Bell, "Why Having Good Medical Insurance Can Be Dangerous to Your Health." Read video transcript.
Also read, "Too Much Health Care Can Be Hazardous to Your Health," an article taken from a chapter in the book Cracking Health Costs: How to Cut Your Company’s Health Costs and Provide Employees Better Care by Tom Emerick and Al Lewis."