What are the risks of Healthshare?
Health sharing ministries and alternative health-sharing arrangements present distinct consumer and financial risks compared to traditional health insurance. Major concerns include the lack of legal guarantees or state insurance commissioner oversight ensuring claims will be paid, strict limitations or complete exclusions regarding pre-existing medical conditions, and vulnerability to caps on lifetime or incident-specific sharing limits. Members also face risks if the organization encounters financial shortfalls, leaving individuals personally liable for massive out-of-pocket medical debt.
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