We had Medishare for several months when my husband was between jobs, and I don’t have health insurance because I’m a freelancer. Private insurance is almost impossible to exist, and f-k Obamacare.
We paid a higher tier for the coverage because of some health issues but were accepted. When our firstborn child needed an MRI for an injury, we did pay 4K for the procedure out of pocket ... after the health sharing ministry negotiated things down for us. We saved as much on that one procedure as we paid in premiums.
Husband found a job and health insurance by the time we finally did the surgery for the joint issue our child apparently had. (Did rehab and every non-surgical option out of pocket first.) It was a hassle to get Medishare discounts at the doc-in-a-box / not quite an ER.
I would say Medishare is a good choice if you:
* don’t have major prexisting conditions
* have a beefed up health savings account and keep funding it
* invest in preventative care
10 years ago, I would have said that having to pay $4000 out of pocket was a non-starter.
But with Obamacare, my high-cost, premium-quality health care requires that I pay thousands before I hit my deductable. So I just paid $2000 for a minor surgical procedure out of my HSA, since I have not hit my $7000 deductable limit.