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Maybe this is a good thread to share our family’s solution to opt out of insurance altogether and join an independent liberty-based health share instead.

We were scared but we had to do something. We had one of those great plans that Obama told us we could keep. Well, uhhhh, no, uhhhhh, we couldn’t because it went up to $2500 a month with less and and less stuff covered. In 2014 I had brain surgery, and even with that in there, I realized that if we had just cash paid for all our Med expenses the whole year, we would have come out ahead.

So we joined Liberty Healthshare, where all your monthly payments go to helping other people pay their bills. Instead of $2500 a month for the 6 of us we now pay $500 a month. We can see any licensed doctor or medical professional (sadly except mental health which I am upset about*) we want, anywhere. Some will call Liberty and get paid directly from them, but mostly, honestly, we have to front the payment. Liberty pays us back in full. There is for us a $1500 a year “deductible,” which once we met (my son broke his nose early in the year), we didn’t have to worry about paying any more.

They want you to be healthy and self-sufficient, basically a constitution loving person. But you don’t have to be Christian or even specially conservative.

Check it out, we did and I am very glad. I just looked at Kaiser just to see our other options, and monthly we would have to pay $1500. Um, no,

http://www.libertyhealthshare.org

* I personally don’t feel the zero mental health coverage is fair for children. Nearly every brain problem children have is biological, structural, genetic. We could use a little help seeking professionals for one son. But I understand they don’t want to cover bored adults lying on couches discussing their childhoods and how to find a boyfriend.