Open Enrollment 101: Facts, Tips & Tricks Every Entrepreneur and Family Should Know

It sounds so nice at first glance: a Christian community helping each other pay medical bills. The ads are full of smiling families and promises of faith, compassion, and “affordable healthcare.” But look closer, and the truth about Medi-Share and similar “healthcare sharing ministries” is far darker. This isn’t health insurance. It’s a financial trap wrapped in religious language, one that can leave you bankrupt when you need help most. Don't get me wrong, I am a Christian Women with a child in a Christian School. But I REFUSE to agree with this type of "health coverage" being offered to people. Here are the things to consider: 1. It’s not insurance and they admit it (in fine print): Medi-Share is legally classified as a “health care sharing ministry,” not an insurance company. That means it doesn’t have to pay anything. There’s no contract, no guarantee, and no regulatory oversight. If you rack up $100,000 in hospital bills, Medi-Share can simply decide your need doesn’t “qualify” and walk away. You’ll be stuck dealing with collection agencies. 2. They can deny coverage for nearly any reason: Medi-Share applies “Biblical guidelines” to determine what medical costs they share. That sounds noble until you realize it means they can deny coverage for anything they consider immoral. That can include: • Birth control or fertility treatments • Mental health counseling • Substance-abuse treatment • Injuries related to drinking or “sexual sin” • Even pregnancy complications outside marriage Your medical care shouldn’t depend on a stranger’s religious judgment, but with Medi-Share, it does. 3. Preexisting conditions? They’ll just say no: Have asthma? Diabetes? Anxiety? A C-section five years ago? Medi-Share can label those as “preexisting conditions” and exclude them indefinitely. You could pay into the program for years and still have every meaningful claim denied. It’s like paying premiums for fake insurance that only covers paper cuts and sprained ankles. 4. No ACA protections, no safety net: Under the Affordable Care Act, real insurance must cover essential benefits and can’t reject you for health issues. Medi-Share exists outside those rules. No required preventive care. No guaranteed coverage. No limits on how much they can refuse to pay. They can, and often do, cap coverage, delay payments for months, or deny bills outright. 5. You’ll probably have to pay up front: Many doctors and hospitals won’t accept Medi-Share at all. They’ll demand cash payment before treatment, because they know how unreliable “sharing” reimbursements are. So you’ll pay thousands up front, then wait months to maybe get reimbursed, assuming your request doesn’t get rejected for violating some obscure “eligibility guideline.” Don't believe it? One of my team members worked in billing for a hospital and she states "it was rare that Medi-Share actually covered people's claims and people were always left in shock with their bills after. They were the biggest pain in the rear to deal with". 6. Zero accountability: Because Medi-Share isn’t insurance, state insurance regulators can’t help you. There’s no appeals process, no consumer protection, no legal obligation to honor claims. If they deny your medical expenses, there is absolutely nothing you can do. The Department of Insurance wont even step in, why? Because its not real insurance. 7. Moral policing and personal intrusion: Joining Medi-Share means signing a “Statement of Faith” and agreeing to live by their version of “Biblical principles.” That means they can cancel your membership and your access to funds for things like drinking, smoking, or sex outside marriage. Your personal life becomes a financial risk factor. Your healthcare depends on your compliance with their religious rules. 8. Financial instability — your money isn’t safe: Medi-Share doesn’t have to maintain reserve funds like a real insurer. If too many members file big claims, the system can run dry overnight. They can delay or ration payments. And since it’s not regulated, they can get away with it. 9. A false sense of security: The cruelest part? Medi-Share markets itself to people desperate for affordable coverage, young families, small business owners, people between jobs. They believe they’re protected. But when a medical crisis hits, they find out too late that Medi-Share is built on loopholes and moral judgments, not guarantees. Some lose their life savings. Some lose their homes. All lose trust. Bottom line: Medi-Share looks cheap and community driven, but in reality, it’s a faith based gamble with your health and finances. You could pay in for years, follow all the rules, and still be left broke when you need care the most. Medi-Share isn’t a true safety net, it’s a faith-based alternative that can look like insurance but doesn’t come with the same legal protections or guarantees. It’s a system where your health, privacy, and financial stability can be left vulnerable, and too often, members find out only after facing a major medical expense. If you want real peace of mind, consider traditional health insurance. It may cost more upfront, but at least you’ll have something reliable and protected by law standing between you and medical bankruptcy.