Health Cost-Sharing

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. 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, that it really no longer makes much sense for healthy people to carry traditional health insurance. The most commonly used cost sharing plans are: Medi-Share, www.mychristiancare.org; Christian Healthcare Ministries, www.chministries.org; and Samaritan Ministries, www.samaritanministries.org. We no longer recommend considering Liberty Healthshare, www.libertydirect.org, because they are no longer looking financially viable. The newest option on the scene is Sedera, www.sedera.com, a physician-run plan that uniquely uses per-incident unshared amounts (ie "deductibles") rather than annual unshared amounts. Please note that we do not endorse any particular cost-sharing plan, nor are we affiliated with any particular plans. 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.