Health cost-sharing as an alternative to insurance has been around for more than 20 years. While cost-sharing plans are not insurance, they function exactly like insurance and have monthly payment amounts and out-of-pocket amounts that are dramatically lower than insurance companies. In addition, they are compliant with the Obamacare mandate to carry insurance because of their long track record of lowering costs, so you avoid paying a penalty for not having insurance. Health cost-sharing plans are allowed to exclude pre-existing conditions, therefore they are not ideal for those with significant chronic medical problems. But they are so ideal for healthy individuals, families, and small business employees who just need catastrophic coverage without exorbitant premiums, while remaining compliant with the law, that it really no longer makes much sense for healthy people to carry traditional health insurance. The 4 Obamacare approved plans are: Liberty Health Share, www.libertydirect.org; Medi-Share, www.mychristiancare.org; Christian Healthcare Ministries, www.chministries.org; and Samaritan Ministries, www.samaritanministries.org. If health cost-sharing makes sense for you, I encourage you to check all 4 plans and review what they cover. Regardless what you choose for your catastrophic coverage, your MyDPCdoc Family Medicine membership is the accessible care that goes along with that coverage.