Members of Samaritan Ministries Health Care Sharing Are Not Subject to High Deductibles
Nearly 70,000 Households (227,000+ Individuals) Bear the Burdens of Other Christians
PEORIA, Ill.—As health insurance premiums increase dramatically for many Americans, they feel forced to choose a plan with a much higher deductible. This health care trend can cost them thousands of dollars when they have medical needs, on top of the increased amount of the health insurance premium.
While the benefits of being part of a health care sharing ministry are numerous, many members of Samaritan Ministries International (samaritanministries.org), one of the leading health care sharing ministries in America, are extremely thankful that they do not face high deductibles.
The traditional “deductible” structure, paying thousands of dollars up front, is not a factor for Samaritan health care sharing members. Instead, Samaritan members are eligible to receive shares from other members for anything more than the first $300 for every shareable need.
“For more than two decades, our goal at Samaritan Ministries has been to focus first and foremost on our members helping their brothers and sisters in Christ,” said Anthony Hopp, Samaritan Ministries’ vice president of external relations. “In a very complicated world of health care, the Bible gives us simple, straightforward guidance on how we are to care for one another. Many other families today end up choosing a high-deductible plan because it is the most affordable option up front, taking the daily risk that the high deductible could suddenly be a very significant drain on their finances if they face a medical need or emergency.”
Today, nearly 70,000 Samaritan households (227,000-plus individuals) share $25 million each month in medical needs, following the Bible’s teachings to “bear one another’s burdens, and so fulfill the law of Christ” (Galatians 6:2 | ESV). Currently, Samaritan members give a monthly share of only $495 for a family of any size, while individuals give $220 and couples give $440. Just as significantly, Samaritan members also pray for one another and include notes and cards of encouragement with their monthly shares, which they send directly to other families.
The feedback is positive from those who have discovered that through health care sharing they are no longer subject to high deductibles.
“(We) are so thankful for the Samaritan Ministries family that has surrounded us with prayer and the financial blessing of being able to pay our medical bills,” wrote Vern and Larieta from California. “Because of Samaritan Ministries, we didn’t have the extra worry of paying a HUGE deductible and paying a large percentage of all of the hospital costs—like we did with insurance. We are so glad to be able to pay our bills with cash! What a blessing from God! I have talked with several of my friends about this ministry, and a few have switched from insurance. God is able to take care of us by using His people!”
Michael and Shirley in Illinois commented that they love how Christian believers are taking care of each other’s needs and are confident that when the time comes, God will provide for them as well.
“Our insurance premiums got so high, we weren’t sure how we could continue affording them, plus we had to pay our medical expenses in addition, as the deductible was large,” they wrote. “Then someone at our church told us about (Samaritan Ministries). What a true blessing! We now can actually afford to pay our own expenses while blessing others!”
Christi in Texas equates her experience with Samaritan to being part of a large Christian family that watches out for each other.
“Samaritan Ministries is the best thing that has happened to me in a very long time,” she wrote. “Even though I had health insurance … I was unable to receive health care! Between the monthly premiums and the deductible, I was out-of-pocket $10,000 per year before they would pay a dime. If I was ill or needed help, I still could not get care from a doctor because I could not afford $450 a month plus a $7,000 deductible. Now I have health care! What is even better is that I LOVE writing a check each month to a brother or sister in need. That is much better and more fulfilling personally.”