Many are combining Direct Health Care with a Healthcare Share. It's a co-op model that's not really "insurance" and is meant to be drawn from for only serious i

Many are combining Direct Health Care with a Healthcare Share. It's a co-op model that's not really "insurance" and is meant to be drawn from for only serious issues. So kind of what you'd expect to cover with a high-deductible plan. It works more like a community who reviews and decides whether they want to contribute to your bills. One of the biggest advantages of these healthcare shares is that they're ACA exempt. Meaning, no fine. But there are other requirements to be accepted. Especially with the religious healthcare ministry ones. But they are very affordable. For example, I know people who use http://www.chministries.org http://www.chministries.org with a local (AZ in this case) DHC such as https://www.arkfamilyhealth.com https://www.arkfamilyhealth.com