The concept of “insurance” as applied to health services payments is no longer meaningful. What we have, with the “reforms” compelled in the “Patient Protection and Affordable Care Act of 2010”, is a plan that is prepaid for some, and a forfeiture for most of the rest of us.
True insurance would be the insurance company assessing a degree of risk for some catastrophic occurrence. Most of the risk, and expense, for medical care is the responsibility of the individual, which is why medical savings accounts are the prudent course of action.
Christian Healthcare Ministries is 0-Care compliant, far less expensive, and does not offer unethical services/drugs.
bkmk