If you’re a Christian, you should consider “Samaritans” ...
http://www.generationcedar.com/main/2010/03/samaritans-alternative-to-health-insurance.html
... or MediShare ...
https://medi-share.org/ms/lp/medical-bill-sharing_11-1.aspx
I wonder if a whole raft of these mutual aid societies will be cropping up.
What I don’t understand is why existing mutual insurance and mutual aid organizations don’t qualify for the exemption.