10 Reasons Pro-Life Christians Need to Dump Traditional Health Insurance

  1. Your health insurance premiums are being used to pay for abortions.

    That’s it. That’s enough, right there. I should stop this list now. I don’t know how any pro-lifer can pay another premium into such a plan and still sleep at night knowing this. But as it happens, there are at least nine other good reasons to switch, so I’ll keep going. First, some detail on this point:

    1. As you might expect, many states have a variety of legal restrictions in place regarding insurance coverage of abortion. However, most insurance companies operate in multiple states—so even if you have a heavily-restricted plan in a heavily-restricted state, your insurance company might be using your money to pay for lots of elective abortions in states like CA and NY.
    2. Even if you have health insurance from a one-state or regional plan in a part of the country where insurance coverage of abortions is heavily restricted, your company is still almost certainly paying for abortions in cases of rape, incest, and endangerment of the health or life of the mother.
  2. Your health insurance premiums are being used to pay for some or all of a host of questionable, unethical, and anti-life medical procedures:
    1. Sterilization
    2. Sex change operations and hormone treatments
    3. Contraception
    4. Euthanasia
    5. Surrogacy
    6. STD/STI treatments arising from extramarital sex
  3. Pro-lifers need to encourage not just living, but living well. Your health insurance premiums are paying for the effects of sin and irresponsible living, including some or all of the following:
    1. Maternity costs for children conceived out of wedlock (note: Tipping Point supports donating to life-affirming crisis pregnancy centers and otherwise supporting all mothers in need. We also believe that a community of Christians should encourage moral conduct in its fellow members)
    2. The effects of alcoholism: medical care for drunk drivers who injure themselves, treatment of liver cirrhosis, etc.
    3. The effects of irresponsible tobacco use: lung cancer, emphysema, etc.
    4. The effects of illegal drugs and the abuse of prescription medications
  4. Your health insurance premiums are enriching insurance executives who are OK with leading the companies that pay for abortions. 

    Would you trust someone who thinks that abortion is healthcare? No? But if you’re on traditional insurance, you are trusting such people—you’re trusting them with your own healthcare needs.

  5. Health insurance is messed up. Be a part of the solution.

    If there’s one thing every American can agree on, it is that something is fundamentally broken in how we deal with healthcare and insurance in this country. By withdrawing our financial support from this colossal, cancerous overgrowth, we bring the country one small step closer to meaningful structural reform.

  6. The alternatives to traditional insurance are called healthcare sharing ministries. If you currently pay full price for your own insurance, you’ll save $$$$$ by switching to a healthcare sharing ministry, for all of the foregoing reasons. These are the options as of November 2018:
    1. Old and well-established:
      1. Samaritan Ministries
        1. CMF Curo (Samaritan Ministries in partnership with Christ Medicus Foundation, branded for Catholics)
      2. Christian Healthcare Ministries
      3. Medi-Share
    2. Founded after ACA:
      1. MCS Medical Cost Sharing
      2. Liberty Healthshare
        1. Solidarity Healthshare (Liberty re-branded for Catholics)
      3. Aliera (also branded as Trinity)
      4. Altrua Healthshare
  7. You can multiply your impact by bringing this option to those around you.

    Most people who read this will think it’s not for them because of the “golden handcuffs” of employer-paid health insurance. Don’t give up: make a business case to your boss/HR department/etc. that the company will save money by changing the policy and helping you pay for your membership in a healthcare sharing ministry. If your employer is paying, say, $800/month for your insurance right now, they should be delighted by the chance to pay only $500/month instead. If you succeed in this campaign, then you’ll have paved the way for your like-minded coworkers to make the same transition.

  8. Make your company more appealing to job applicants.

    If you are a business owner, executive, board member, HR/benefits professional, or other decision maker, adjusting policies to enable your employees to participate in a healthcare sharing ministry without taking a financial hit will make your company more attractive to applicants and current employees. Here are some ideas for what that policy might look like:

    1. If you currently offer to pay X% of a range of different health insurance plans, you can simply add the option of one or more healthcare sharing ministries—offer to pay that same X% of whatever plan your employee chooses. You’ll need to pay that as after-tax income or as a reimbursement given the legal structure of healthcare sharing ministries.
    2. You can offer a “benefits waiver allowance” to employees who decline the company’s insurance plan. This would effectively be a fixed amount of after-tax income added to each such employees’ paycheck. This would also benefit employees who prefer to use their spouse’s job insurance. The cash would be paid to anyone who opts out of your company’s insurance program, and those employees could then use it however they like, including to pay for membership in a healthcare sharing ministry.
    3. If employment at your company requires a statement of faith compatible with membership in a healthcare sharing ministry—for instance, if you run a church, parish, diocese, Christian school, Christian nonprofit, etc.—you may be able to dump your organization’s traditional health insurance altogether, save tons of money, make your staff happy, and get a group plan at a healthcare sharing ministry instead, all while remaining legally compliant under ACA and avoiding fines.
  9. You’ll be joining a community of people who want to help you.

    With traditional insurance, there’s no relationship with the other members who are helping to pay your medical bills. The insurance company’s interest is to pay as little as possible when you submit bills, and that sometimes means declining to pay for things you expected to be covered—for instance, if you went to see a specialist without the necessary pre-approval process. This is less likely to happen in a healthcare sharing ministry. In fact, these ministries generally help fundraise for you when your need is outside the guidelines: for instance, if you are denied coverage for a pre-existing condition, the ministry will publish that need to other members and invite them to donate in support of your treatment.

  10. You can donate to pro-life with all the money you save! 

    If you found this article helpful and encouraging and decided to switch, and if you do in fact save boatloads of money, the best thing you can do to thank me is set up a monthly recurring pro-life donation with a portion of your savings. Also, if your application asks for a referrer, name “TheTippingPoint.org” and 100% of the referral credit will be donated to pro-life.