I’m with Christian Healthcare Ministries (CHM). It resembles catastrophic insurance. For all the regular medical expenses, I’m basically doing self-pay. I haven’t had to use CHM yet. I’m thinking that’s a good thing. Nice though to be able to do my TurboTax and get my own personal Obamacare “waiver.” If we could just get a critical mass of folks to do this, we could put a big, damaging hole in that beast.