Frequently Asked Questions
Q. If I am a Medi-Share member, do I need to do anything?
A. No. Because members of healthcare sharing ministries like Medi-Share are exempt, there is no need for you to take action.
Q. What if I don't join Medi-Share and I don't buy insurance?
A. You will be penalized on your 2014 taxes. The penalty will be 1% of your income or $95, whichever is greater.
Q. If I qualify for a subsidy, can I use that for Medi-Share?
A. No. The subsidies only apply to health insurance purchased through the Marketplace, and in some limited cases, private health insurers.
Q. If I join Medi-Share, how will the government know that I have met the requirements of the law?
A. Christian Care Ministry has met with Health and Human Services and the IRS, and their representatives have asked that Medi-Share members report their participation in a healthcare sharing ministry when they file their income tax returns, not through their state or federal exchanges. Medi-Share members are not required to do anything at this time. As soon as we have the official IRS reporting form, we will forward it to all of our members along with instructions for completion. The ministry's "Certificate of Exemption" can be found here.
Q. My spouse's employer-provided insurance covers only employees and their dependents, not spouses. Since that means I'm not covered, will I qualify for a Subsidy?
A. Maybe. You can shop on the exchanges, but the subsidies are based on your family's income so it depends. Medi-Share is a great option for spouses who cannot get insurance through their spouse's employer and find the plans on the exchange costly.
Q. If I qualify for a subsidy, why would I even consider Medi-Share?
A. First of all, Medi-Share is likely still more affordable, even after the subsidy is applied. You need to shop on the Marketplace in your state to determine if you qualify for a subsidy and how much it will be. Reports are that the insurance rates are higher because of all the new requirements that insurers must meet. It's important to weigh the costs, the copayments and deductibles, as well as the additional covered services. What you may receive for "free" on a Marketplace plan may not be worth the higher monthly out of pocket that you will be spending, or a 40% copay, especially if you are healthy.
Secondly, and we think most importantly, Medi-Share is a way to walk out your faith by sharing the medical bills of other Christians and by doing so, helping carry their burdens as instructed in God's Word. As a member of Medi-Share, you know that every month your dollars are going to help another Christian family and will not pay for things that, as a Christian, you don't believe in, like abortion or the morning after pill.
Carry each other’s burdens, and in this way you will fulfill the law of Christ. Galatians 6:2