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Faith A. Bratlie Insurance Broker


Health Sharing / MediShare

(As of 2019, about 92 percent of people in the U.S. had some form of health insurance. However, when life changes unexpectedly, you may need to modify your health insurance plan to ensure it suits your needs and circumstances. The good news is that you do not have to wait for the Open Enrollment Period to make changes to your health plan. So what are some qualifying life events for health insurance change?

Here’s what to know.

Health Sharing and MediShare

Biblical Basis Christian Healthcare Ministries (CHM) is a nonprofit health cost-sharing ministry through which Christians voluntarily share each other’s medical bills. It is not an insurance company. CHM is based on Galatians 6:2 (“Carry each other’s burdens and so fulfill the law of Christ”) and on the actions of the New Testament church found in Acts 2 and 4.

To be CHM members, participating adults must be Christians living by biblical principles, including abstaining from the use of tobacco and the illegal use of drugs (1 Corinthians 6:19-20), following biblical teaching on the use of alcohol, and attending group worship regularly if health permits (Hebrews 10:25). There are no restrictions based on age, weight, geographic location, or health history.

CHM has three main programs from which you can choose: Gold, Silver, and Bronze. Membership also is based on units. One unit is one qualifying individual; two units are two qualifying individuals, and three units are three or more qualifying individuals. Gold membership is $150 per unit, per month; Silver is $85 per unit, per month; Bronze is $45 per unit, per month.

Brother’s Keeper is CHM’s optional program for catastrophic medical bills, defined as bills exceeding $125,000 per illness. This low-cost program involves a variable quarterly fee and a $40 annual (non-refundable) fee per membership.
Christian Healthcare Ministries is the Body of Christ reaching out to each other in times of need, even though most members don’t know each other personally.