"Intensive Care Unit" by Norbert Kaiser is licensed under CC BY-SA 2.5

Once Again, a Christian Health Insurance Company Won’t Cover a Couple’s Bills

Jul 3, 2019

By Hemant Mehta

Just as there’s a Christian substitute for just about everything in the secular world, there’s Christian health insurance that only the most devout believers can buy into. And just like those other Christian alternatives, it’s much worse than the original.

The way groups like Samaritan Ministries and Liberty HealthShare work is that everyone in the system pays a specific amount into the insurance pool every month… but they don’t send it to the providers. The company tells them where to send their money (e.g. Bob from Nebraska) and how much to send. If you need something covered yourself, you ask the provider to send your name to others in the pool.

That’s not really different from regular insurance. Except it’s not regulated. And the providers can cut you off at anytime if you’re too expensive to cover. And if you did something they deem “immoral,” you won’t get any money at all. (Good luck getting that contraception. And you sure as hell can’t cover your same-sex partner.)

So everything is great… until the moment you need them the most. They don’t all work the same way, but that is the gist.

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