Cost-sharing health insurance plans can keep premiums low


THAT COULD WORK FOR YOU AND YOUR FAMILY >> HOUSING HAS TRADITIONALLY BEEN THE BIGGEST EXPENSE FOR AMERICANS, BUT HEALTH CARE IS NOW A CLOSE 2ND

IN SOME CASES, IT SURPASSES IT KAYLA JOHNSON IS SELF-EMPLOYED AND HAS TO B HER OWN INSURANCE SO WHEN SHE PRICED 2018 PLANS SHE HAD STICKER SHOCK IF I HAD TRADITIONAL INSURANCE, WHAT I FOUND OUT IS, IT WOULD BE 2600 A MONTH >> THAT ADDS UP TO MORE THAN $31,000 A YEAR

WITH A 10,000 DOLLAR DEDUCTIBLE, JOHNSON WOULD PAY OVER 41,000 DOLLAR OUT OF POCKET BEFORE HER PLAN PAID OUT ANYTHING >> HOW COULD YOU AFFORD THAT? >> WE COULDN'T SO THAT'S WHY I STARTED DOING RESEARCH >> SHE LOOKED INTO CHRISTIAN HEALTH SHARING MINISTRIES LIKE MEDI-SHARE AND ALEIRACAR THEY AREN'T TECHNICALLY INSURANCE, BUT THE PLANS DO OFFER EXTENSIVE HEALTH COVERAGE HAYES EAGLE WITH BLUE MOON BENEFITS SAYS WHAT MAKES THEM DIFFERENT IS MEMBERS PAY EACH OTHER'S MEDICAL BILLS >> WHENEVER ANYONE PAYS THEIR PREMIUMS EACH AND EVERY MONTH, JUST LIKE TRADITIONAL MEDICAL INSURANCE, IT ALL GOES INTO A POOL OF MONEY WHEN A CLAIM IS FILED, THEY GRAB X AMOUNT OF DOLLARS OUT OF THAT POOL AND IT HELPS PAY THE CLAIM THAT WAY

DEDUCTIBLES RANGE FROM FIVE DOLLAR TO $10,000 PER PERSON AND LIKE THE AFFORABLE CARE ACT THERE'S FREE PREVENTIVE CARE LIKE YEARLY CHECKUPS, FLU SHOTS AND LABS >> THEY ARE ACA EXEMPT PLANS TO THAT MEANS THERE ARE NO TAX PENALTIES AT THE END OF THE YEAR >> THE PLANS ARE CHRISTIAN BASED AND INCLUDE A MORALITY CLAUSE WHERE THEY CAN DENY YOU COVERAGE FOR CERTAIN THINGS >> LET'S SAY IF SOMEONE IS OUT PLAYING GOLF WITH A FEW BUDDIES THEY HAVE A FEW BEERS AND THEY DRIVE HOME AND GET IN AN ACCIDENT THEY CAN DENY THAT CLAIM BECAU THEY SHOULDN'T HAVE BEEN DRINKING AND THEN DRIVING THE CAR LATE >> PREMIUMS, WHICH ARE BASED O AGE, ARE MUCH LOWER THAN TRADITIONAL INSURANCE RANGING FROM 142 A MONTH FOR SOMEONE SINGLE UP TO 950 A MONTH FOR A FAMILY

SO HOW CAN THESE PLANS OFFER COVERAGE FOR LES >> BECAUSE ITS NOT CONSIDERED INSURANCE, THERE ARE A F LOOPHOLES THEY CAN GET AROUND THEY DON'T HAVE TO HA MATERNITY COVERAGE I DON'T HAVE IT A LOT OF DIFFERENT COVERAGE OPTIONS AVAILABLE, SO THEY DO IT THAT WAY JOHNSON'S MONTHLY PREMIUMS FOR HER AND HER HUSBAND TH ALEIRACARE ARE $600, NOT 2600 AND SHE'S BEEN PLEASED WITH HER COVERAGE SO FAR

>> IT HAS BEEN A GREAT EXPERIENCE FROM THE BEGINNING >> ONE OTHER THING TO KEEP IN MIND WITH THESE PLANS IS MOST HAVE A MAXIMUM THEY WILL COVER

Source: Youtube


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