Not sure if this works, but was posted here two days ago & the poster claims it has the same exemptions as the Amish.
http://www.samaritanministries.org/
That seems like a convoluted system.
You pay a $170/yr per household “administrative fee” no matter how large or small your household is. Then you pay $120/mo per individual. But you don’t pay it to the organization, you send your check to whoever the organization “assigns” you to send it to based on other members’ requests for reimbursement that month.
So if you have a $50K hospital bill and submit it to the organization, they will “assign” your bill to some 400+ other members and you will hopefully receive separate checks from each of those members. Then you have the joy of endorsing those 400+ checks, depositing them to your bank, who may charge you for depositing such a large number of checks to a non-business account, and hope none of them bounce and leave you with bank fees or just plain short or bouncing your own check you use in paying the hospital bill.
There are currently less than 14,000 households involved, and that doesn’t seem like a very big risk pool to spread the risk across.