health care

More Americans Are Abandoning Their Health Insurance Plans to Join 'Sharing Ministries'

A consequence of Obamacare's disastrous rollout.

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Samaritan Ministries |||

Samaritan Ministries is an organization of devout Christians who eschew traditional health insurance to pool their money and cover each other's catastrophic medical bills. It's one of the very last mutual aid societies in the U.S., in which a community of individuals with shared beliefs band together to form a voluntary social-safety net. A century ago, an estimated one-third of American men belonged to mutual aid societies, but most faded away with the expansion of the welfare state.

Three years ago, I travelled to Samaritan's headquarters in Peoria, Illinois to learn more about this remarkable organization.

In the story that came out of that trip, I predicted that Obamacare would lead to the demise of Samaritan and two similar organizations in the U.S. This model, I thought, wouldn't be able to compete with the heavily subsidized plans soon to become available on the new health-care exchanges.

Wow, did I get that wrong. As The New York Times reported recently,

[M]embership in sharing ministries has more than doubled over the last six years, to 535,000 from about 200,000…The growth seems to have come largely through word of mouth, at churches, schools and workplaces.

The Times story also notes that Samaritan added about 50,000 members just last year, swelling its total to about 200,000. When I covered the group in October 2013, it had 86,000 members. I didn't foresee Obamacare's disastrous rollout and the extent to which new mandates would drive up premiums and leave customers seeking out cheaper options.

Saving money isn't the only priority of Samaritan's members. The opportunity to help their fellow Christians is something these men and women deeply value. "Instead of wanting to be part of an insurance company, I wanted to be part of something where the body of Christ was banding together and doing what the bible commanded in a more personal and real way," Samaritan's Executive Vice President James Lansberry told me in an interview.

Will exploding demand for Samaritan's services lead other like-minded individuals to form their own health-care mutual aid societies? Unfortunately, no, because Obamacare won't allow it. The Affordable Care Act includes language that exempts members of health-care sharing ministries from the individual mandate, but it's written to insure that that exemption only applies if the organizations they belong to existed prior to the law's passage.

Here's my original story:

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  1. People coming together to help themselves.I like it.Too bad no one else can from a group now.That’s what medical insurance,paying for unexpected and large expenses ,was for at one time.Not for every single expense.

    1. This is the kind of things unions should be doing.

    2. This is the kind of things unions should be doing.

      1. Why would they? That would cut into the salaries of the bosses and the money they use to lobby and support the dems.We all know all companies have a pot of gold they keep in a vault while the employees toil in poverty.

      2. Unions are mostly just govt employees now. They have a much better system. from their perspective anyway.

    3. The drawback to the mutual aid societies coming to the rescue if your husband got kicked in the head by a mule and couldn’t work for a month is that they could withhold that aid if your husband was a worthless drunk who didn’t contribute into the system and got kicked in the head by a mule he was trying to steal. IOW – the mutual aid societies imposed some rules on the social order just as if they were some kind of self-organized government that worked through incentives and disincentives rather than through brute force. Can’t have that sort of group undermining the real governments arguments that they and they alone can organize and operate society and it’s absurd to think there’s some alternative to the real government, can we? Voluntary cooperation and decentralized authority working better than government? Get outta here with that “free market” crap. You don’t see us depending on the market acting through voluntary cooperation and decentralized authority for our daily bread ration, do ya?

    4. “People coming together to help themselves.I like it.”

      Sounds distinctively unAmerican (In Obama’s America)

    5. huh. so you’re saying it would be insane to buy birth control with insurance?

    6. huh. so you’re saying it would be insane to buy birth control with insurance?

    7. I’m a member of Christian healthcare ministries. Originally I joined it because I have a heart condition and private insurance rejected me and my work insurance was really expensive. This was around the time Obamacare was just getting going and was having a moral crisis over the whole “mandated insurance” thing. As it turns out my wife did not get to “keep her plan” that she liked and got a new, more expensive, less helpful plan. The last straw was trying to deal with blue shield customer service. Surprisingly, forcing everyone to get insurance that they have little ability to drop doesn’t give any incentive for insurance companies to provide good customer service. She’s now joined the sharing ministry too.

      Ours requires a written profession of the Christian faith which isn’t going to be too helpful for my non-religious friends, but it does make me wonder if a similar secular sharing society could happen in our current political system.

      1. Right, it’s the threat of a loss of business, at any time during the year, that is the best incentives for companies to offer quality services and prices.

      2. Surprisingly, forcing everyone to get insurance that they have little ability to drop doesn’t give any incentive for insurance companies to provide good customer service.

        Yeah, ain’t that crazy? Promising them a bottomless trough of eternal gov’t subsidies and inflated rates didn’t make insurance flunkies more competent or polite. Who knew?

  2. “I didn’t foresee Obamacare’s disastrous rollout and the extent to which new mandates would drive up premiums and leave customers seeking out cheaper options.”

    Really? Those seemed a given.

    1. Well these are the same creatures that don’t understand the consequences of a shitty car loan despite being presented the specific numbers in advance

      1. I thought I was being harsh on Jim.

      2. Socialism and the market,how do they work?

    2. I came to post the same thing. I can’t believe this man has no foresight.

    3. “I didn’t foresee Obamacare’s disastrous rollout and the extent to which new mandates would drive up premiums and leave customers seeking out cheaper options.”

      What part of “it’s a government program” did he misunderstand.

  3. “Will exploding demand for Samaritan’s services lead other like-minded individuals to form their own health-care mutual aid societies? Unfortunately no, because Obamacare won’t allow it. The Affordable Care Act includes language that exempts members of health-care sharing ministries from the individual mandate, but it’s written to insure that that exemption only applies if the organizations they belong to existed prior to the law’s passage.”

    It’s almost like they knew it was going to fail.

    1. You wouldn’t build a jail with a back door, would you?

  4. “A century ago, an estimated one-third of American men belonged to mutual aid societies, but most faded away with the expansion of the welfare state.”

    Don’t forget to add the government’s “encouragement” to link employment to insurance. We just can’t survive without a government solution, can we? No one would have health insurance, no one would go to school, and we’d all be eating rancid meat.

    1. Which should e treated like income.That could send many into private insurance polices and enlarge pools,there by lowering costs.Going back to catastrophic coverage would help also.

    2. There’s also the problem of the rest of the world using price controls of drugs and passing the cost onto US consumers.I’m a free trader,but,this needs to be dealt with.

      1. We should just allow reimportation of price controlled drugs, it would totally undermine the price controls.

        1. “We should just allow reimportation of price controlled drugs, it would totally undermine the price controls.”

          Works in the short term, but takes away incentives for new drug development.

          1. “Works in the short term, but takes away incentives for new drug development.”

            That’s true, but the price controls act to push the drug development costs onto those who don’t use price controls. So basically the American people pay a far larger percentage of drug development costs than almost any other group.

  5. There are more of these than the article implies. “Christian Care Ministries” has done all right by us, and we get reasonable rates (I think $263/mo for family of 4) in return for a $50,000 deductible. A high deductible insurance plan is what we had before Obamacare, with never a problem, and is the insurance plan we want.

    We don’t want a health plan that pays for oil changes and mandatory fuel additive. That’s not insurance, that’s smothering.

    1. Whoops, $10K deductible. Versus Obamacare, we are able to sock away $550/mo in a saving account for health emergencies. You figure the break even point.

      1. I presume Obamacare prohibits you from putting that money in a HSA?

        1. Nope. I just got an HSA this year. It is combined with an insurance plan with a $3K deductible that costs the same as traditional insurance before the Unaffordable Health Care Act.

          1. Who is the insurer ?

            That sounds like the Blue Cross Blue Shield plan I had before Obama came along to help me out with a $900 a month plan with an $8k deductible.

            1. United Health Care, and the HSA is with Optum Bank. It is through my employer. I’m not sure what percentage they pay, but my portion is about $700/mo. $150 of that goes into the HSA (I chose the amount), and the rest covers the premiums.

              Before the Unaffordable Care Act I had traditional insurance that actually paid for stuff and cost me a little over half of what I am paying now.

              1. You have my plan (are you in my office?)

                Yes, I put $220 per check into a HSA and have a $6k deductible insurance plan (family coverage) with UHC that costs me under $200 per check (every two weeks)

            2. I’m grandfathered into my BCBS HSA plan and was getting a good deal just before the ACA. Since then, they have hiked my rates 6 times, 5 of which were specifically due to the ACA, so that I now pay just under double what I used to pay for the same plan.

              I can’t wait for the ACA to collapse in its death spiral so we can get back to semi-private insurance (there’s too much gov’t regulation of the health insurance marketplace for it to be truly private).

  6. The Affordable Care Act includes language that exempts members of health-care sharing ministries from the individual mandate, but it’s written to insure that that exemption only applies if the organizations they belong to existed prior to the law’s passage.

    That little bit should be easy enough to change, shouldn’t it? Or perhaps the existing mutual aid societies could find some wiggle room in “franchising” their operations.

    But this should draw attention to the fact that “affordable healthcare” isn’t really designed to make healthcare affordable for everybody, it’s designed to make people who have no healthcare costs and no reasonable anticipation of healthcare costs to pay into the system just as if they did and then use their money to pay for other people’s healthcare. This simply makes it illegal for you to find other ways of finding affordable healthcare on your own.

    Much like property taxes being used for school funding – you can pay for a private school for your kids if you want, but you’re still going to pay for the public system, pay twice for your kids education. It’s why they hate charter schools, it’s a way for people to pay only once and not use the public ed system. The public ed system obviously thinks getting their hands on your money is far more important than your kids’ education. The ACA makes plain the same idea applies to the healthcare system.

    1. In short, the ACA is just another form of stealing from some people to give to other people, and they don’t like it when you resist their stealing.

  7. I remember when ObamaCare was supposed to make health insure more accessible to the working poor. Making health insurance “accessible” by siccing the IRS on any of them who don’t buy insurance must be one of the worst betrayals of a voting constituency in American history.

    But white, blue collar, America is rejecting Obama’s legacy and flocking to you know who because the ungrateful bastards are racist? No wonder they’re immune to your condemnations–they’re quite aware of what they’re going through.

    1. one of the worst betrayals of a voting constituency in American history

      Well, there’s always the “If you like your health plan, you can keep your health plan” bald-face lie.

    2. Yeah, it went from “Health care for everyone” to “Buy insurance or you’ll be fined!”

      1. “Yeah, it went from “Health care for everyone” to “Buy insurance or you’ll be fined!””

        More like, “Buy the new bloated version of insurance that subsidizes 50 year olds or you’ll be fined!”

    3. I say the voting poor are getting their just desserts. “Do unto others as you would have them do unto you”–well, they sought to steal from the young and healthy, and now they are being stolen from.

      Of course, conscientious objectors like libertarians and some conservatives got hit unfairly by the stealing–that is just plain wrong.

  8. “The Affordable Care Act includes language that exempts members of health-care sharing ministries from the individual mandate, but it’s written to insure that that exemption only applies if the organizations they belong to existed prior to the law’s passage.”

    Well, they had to pass it to find out what’s in it.

    Now that we know what’s in it, why can’t we repeal it?

    1. Nothing harder to kill than a government program.

  9. Making it illegal for people to take care of themselves. That sounds constitutional.

    1. See Wickard v Filburn.

      1. See the First Amendment. And RFRA.

      2. Somewhat different from this being how wheat is fungible, not that that was a good decision either.

    2. See FUTW v US

      1. Argh, FYTW. WTH?

        1. It actually works the first way, too.
          +1 phonetic readings

  10. I do get a laugh from the yet wished perspective offered here.

    So Jim, kudos from you to sharing ministries for adding about 300k to their health insurance program. Do you know how many Americans gained health insurance from Obamacare? Millions. 12m signed up in the last enrollment period.

    Kind of dwarfs sharing ministries, doesn’t it? If it’s gaining health care that is important to you.

    1. And kudos to you for making up stats, pulling them from your ass, or whatever you do to sleep at night without letting yourself know reality.

      It also gives me a morning chuckle when you do that. So keep it up, cowboy!

      1. “I do get a laugh from the yet wished perspective offered here.”

        Talking out of his ass wouldn’t be so funny if he wasn’t so sure of himself.

    2. “12m signed up in the last enrollment period”

      That’s inaccurate.

      “Enrollment in exchange coverage increased from 6.3 million at the end of 2014 to about 8.8 million, according to figures released by the administration at the end of last week.”

      . . .

      “Overall, exchange enrollment is short of where the Congressional Budget Office initially expected it would be by roughly 7 million people. And although the 8.8 million enrolled in the exchanges at the end of 2015 is a notable step up from the 2014 numbers, it’s also below expectations: The administration had targeted a figure of about 9.1 million, but came up short. And even if enrollment had come in at the administration’s target, it still would have represented a significant drop off from the 11.7 million people who signed up for coverage at the beginning of the year.

      https://reason.com/blog/2016/03…..nt-numbers

      You can find the links in Suderman’s piece.

      1. Your 12 million number is presumably the 11.7 million people who signed up at the beginning of 2015. There were only 8.8 million enrolled at the end of 2015. Of the 11.7 million who signed up, many don’t even make their first payment. If there were still 9.1 million insured through the exchanges at the end of 2015, the Obama Administration would have considered that a success. They didn’t make that number. They failed according to their own made to succeed standard.

        Meanwhile, premiums continue to rise at double digit rates, deductibles have risen dramatically, providers keep exiting the exchanges, employees keep being restricted to working less than 30 hours a week, and the IRS will soon be coming after the working poor for spending what little discretionary income they have on something other than health insurance.

        1. Another thing that is happening is that health care providers are refusing to take Obamacare style insurance. The problem is that most people don’t have thousands of dollars in the bank to pay the ridiculous deductible. Especially the people who qualify for the subsidies. Health care providers know that they won’t get a dime until after the deductible is met, so they’re refusing to take the insurance. That is leaving many people who didn’t have insurance relying on emergency rooms for care, just like they did before.

          1. It’s going to implode. The only question is what we’ll replace it with.

            I’d like to see the Republican maintain the Senate regardless of who’s in the White House.

            So long as it’s Hillary in there, we won’t get a more market oriented system. The Donald isn’t fundamentally opposed to that. I suppose there is a rationale there somewhere for The Donald.

            The reason we can’t get rid of ObamaCare now is because Obama would never sign a reform, and there aren’t enough votes to override his veto.

            But when push comes to shove and the whole house of cards comes down, we’re going to have to replace it with something. I don’t know whether that’s next year or three years from now, but double digit premium increases and skyrocketing deductibles are unsustainable–and the insurers still can’t handle exchange patients profitably, even with the subsidies and stop loss.

            Somehow when we’re talking about business and markets, progressives suddenly forget the meaning of the word “sustainable”.

            1. Nobody is going to repeal Obamacare. They may replace it, but it isn’t going to be repealed. Everyone knows that when a cancerous tumor is removed, it must be replaced with something.

            2. “Somehow when we’re talking about business and markets, progressives suddenly forget the meaning of the word “sustainable”.”

              No they didn’t! A “progressive” once told me that it’s unsustainable to have jobs that pay below $10 per hour.

          2. Speaking of the emergency room as free clinic, we absolutely need to get rid of that law that requires emergency rooms to treat everybody, including those who cannot pay and those whose cases are not emergencies.

            There was a news article several years ago about an elderly man who routinely went to the emergency room for what amounted to him being lonely and wanting the attention. Each time, he’d rack up big ambulance and emergency room charges paid for by somebody/anybody else. Worse, his occupying a spot in the ambulance or emergency room denies someone else who may have a real medical emergency that spot!

            1. Couldn’t agree more.

              When my sister was in med school, she did a quarter’s rotation at the county hospital ER. She’d see the same ODs and drunks come in, week after week. They’d get treated, they’d get a warm bed for the night, a free meal from the hospital cafeteria, and then they’d go right back out and party, lather, rinse, repeat. Until they were dead. All paid for by you and me.

              300,000 babies are born to illegals in the U.S. every year. In hospitals near the border, as many as 40% of births can be to illegals. Most of them paid by Medicaid and hospital “uncompensated care” funds. Because hospitals aren’t allowed to say, “Sorry, but our services are for paying customers” like every other business in the country can say. Imagine what your bill starts to look like when you’re one of only 60% of customers who can actually pay. Gee, why did the hospital charge you $20 for a syringe? Because they’re charging you for the other half-dozen people who came in before you who figured that paying for their syringe was optional.

              The bleeding hearts want us to think every human life is so precious that we need to keep paying to rescue people from their own stupidity and lack of self-control. Over, and over, and over. Funny how the bleeding hearts never pull out their own checkbooks.

        2. I wonder how accurate any of this is. I work on the Medicaid(cal in my state)side and see a lot of cases for households. Many people apply multiple times and have multiple active cases running. I guess they forgot their case # or something. Or they plug in numbers pick a plan and then say hey let’s make a new case with a bit less income(both cases will electronically verify the income)woo hoo medical let’s stick with that one. The exchange does a poor job of noticing duplicates in my experience. This might account for a decent number of dropped cases.

          1. We had to apply for Medicaid for our daughter who has some serious issues. We needed to apply so we could get refused, and then open other options. They lost our paperwork of course, and a few months later my wife called them and explained that we needed a denial letter. Miraculously they found our paperwork and got us a denial letter in minutes. Fuckers.

          2. some of us had to create new accounts because the old one refused to allow us back in. this happened to me once and my sister has had to create several since it won’t recognize her. when I tried to reconnect under my original account it said it wouldn’t let me in because I had logged in to often, where is the sense in that I don’t know.

    3. Hey, joe, how’s life treating you? Bad, right? Well…keep your head up, big guy.

    4. Most of the 8.8MM (Jackass with a 12M lie right out of the gate) were like my wife and I. We had good insurance with a low deductible and premiums that were half what we pay now before fucktards like you had to screw everything up. Now I get to pay twice as much for insurance that many doctors don’t want to (or can’t) take. Did I mention that I pay twice as much AFTER the meager subsidy (not only did you fuck up health insurance, assholes like you think it’s ok to fuck me in the ass for working a little harder by calling for ever increasing taxes)?

      In short: you, the lemmings like you, the Democratic Party, and President “You can keep your doctor” can all gather around a campfire and go fuck yourselves.

    5. If it’s gaining health care that is important to you.

      Health insurance != health care. If gaining health care was important to you, forcing people to get shitty insurance they can’t afford or forcing them onto Medicaid where their health outcomes are worse than people with no insurance probably wouldn’t be your go-to solutions.

      1. Agreed.

        The best way for America to truly improve the health outcomes of a majority of Americans is to cut all sugar and corn subsidies.

        a) The taxpayer wins–one less corporate welfare program.
        b) The free market wins–much less distortion in pricing of those two commodities.
        c) Obesity drops big time–junk food will cost more as it should, instead of being cheaper than healthy food.

        So, any progressive who claims to care about the health of their fellow Americans should join libertarians and fiscal conservatives in fighting Big Sugar and Big Corn and take out those subsidies.

        1. to add to that I would make is no employer provided insurance and insurance companies could sale in all states. the purpose of everyone buying their own is it would be like car insurance the more people in the market and the more insurers the better the competition.

        2. No, the price of sugar will go down. Sugar costs twice as much in the US as it does on the world market. So much so that Brach’s and other US candy companies have moved to Canada to buy sugar at world market prices and export the candy to the US.

          If we got rid of the corn subsidies, on the other hand, the price of HFCS will go up and with repealing both sugar subsidies/quota and corn subsidies would result in soda companies and other HFCS users to drop HFCS in favor of real sugar.

    6. Longcat is looooooooooooong.

  11. I blame Hobby Lobby

    1. I blame Christianity.

      They’re only doing this mutual aid stuff because they’re racists and they want to see Obama fail.

      1. You joke, but that’s pretty much the gist of all the comments on the NYT article. The tolerant liberals there sure seem to be full of a lot of hate and bigotry against those evil Christians.

        1. It is unfortunate that the focus is on the religious aspect. This option of mutual aid societies is nothing new and those on the left have not been prevented from forming their own mutual aid societies. They were quite popular in England within the labour movement in its early decades.

          Also, I thought the left was all big on ‘community’. What the hell then does that mean if it excludes allowing members (of whatever group)helping other members (financially or otherwise). Or is it just that some communities are better than others.

          After the financial meltdown if instead of the ACA what if Obama had created the Affordable Banking Act(ABA). We would all be required to have a certain type of account at an approved bank unless you had an existing account at a credit union, but no new credit unions could be formed after passage of said bill. Would these liberals be upset that some public school teachers, the local chapter of the ironworkers or Somalian shop owners, for example, each had their own credit union and therefore sidestepped parts of the ABA?

          1. For progressives “community” = “government.” Anything not organized by government is greedy exploitative vigilantes, bad for children and precious mother earth.

            1. Which is one of the largest problems progs create. Liberals, such as trade unions, would get practical, and set up a community run healthcare sharing system, whereas progressives would see that as taking away power and money from their government.

            2. You make a good point. It’s a real doozy to realize that since gov’t is the legitimized use of lethal force, to progressives, “community” means using the threat of lethal force to make everybody come together.

              Instead of everybody holding hands in a big circle, it’s everybody holding a gun to the head of the person to their left in a big circle–ring around the rosie, BANG!, we all fall down.

  12. How dare these ‘sharing ministries’ try to second guess the vision of the great state. Surely Obama’s next move will be to direct the wrath of his great czars against this new teabagger threat.

    1. There is going to be huge IRS crackdown on any church who dares mention politics during this election season. The left has threaned that before but I think they might well mean it this time given the IRS track record under Dear Leader.

      1. Last time they talked about doing this, I remember seeing some sermons from some local Unitarian Universalist churches online. I’ve never heard or seen services so drenched in politics, all left wing. I was thinking that yeah, they’ll no doubt be overlooked in the witch hunt I’m sure

        1. I had a friend in high school who went to a church like that, it was weird listening to her describe their services since my family went to a Lutheran church. I get that feeling judged is no fun, but why even go to church if you just wanted to hear that everything you do is ok and you don’t need to improve. Might as well just sleep in.

          1. but why even go to church

            Personally I stay away from churches – they’re all full of sinners.

            1. I refuse to belong to any organization that would let a person like me in.

          2. UU is really not even a church these days so much as a left-wing social club with superficial spiritualist elements.

          3. I grew up UU, but luckily our church was one of the least lefty ones. Interactions with kids from the other branches’ youth groups gave me a very good perspective on why progressive leftism is a horrible ideology, while tempering that with the much better ideas of the hippy 60s leftists that were at my church because the other branches were too crazy. And my mom wondered why I absolutely hated church.

          4. Right, I go to church to find out what I need to fix about my life.

  13. Um, how do these “sharing ministries” not count as insurance policies? If they do, then aren’t they required to take all comers, preexisting conditions and all?
    That might account for their popularity, but not bode well for their survival.

    I don’t see why this is different than the Freelancers Union, which is now being required to cover pre-existing conditions, and accept all comers. Or does the religious mantle somehow make them exempt from the rules. If so, then it’s a very clever loophole.

    1. Ok, from the article:
      Because they are not insurance companies, sharing ministries provide no guarantee that members’ medical debts will be paid;
      Some ministries operate differently, requiring members to pay monthly into accounts from which funds are disbursed to those with eligible medical bills. Pre-existing medical conditions are often not covered, nor are preventive care, mental health and injuries resulting from behavior the ministry considers immoral or reckless. Members who acquire a sexually transmitted disease from an extramarital affair are out of luck, for instance, as are those injured while driving drunk or during a melee.

      Yes, it operates as a clever loophole around the essential benefits mandate. Which I heartily approve of.
      It’s unfortunate that it’s only available to religious nutjobs.

      1. “It’s unfortunate that it’s only available to religious nutjobs.”

        … Or those who are willing to pretend.

        1. Of course, you have to accept the particular list of benefits that the religious nutjobs offer.
          I suppose one could infiltrate and hijack a sharing ministry that started off as religious and then modify the terms to offer coverage that models traditional catestrophic insurance.

          1. Well, the atheist nutjobs could have built a mutual aid society of their own, and if they had built one, it presumably would have been grandfathered in with the others.

            Atheist nutjobs just didn’t have a mutual aid society in place, and that’s probably because, generally speaking, atheists don’t give a shit about each other or anyone else.

            1. The atheist nutjobs didn’t need one because, WE HAD FUCKING HEALTH INSURANCE.
              Until that was outlawed.

      2. Trying to find a list of health sharing ministries… apparently, there are 5.

        Liberty HealthShare doesn’t require a religious profession, just a belief in religious liberty.

        It looks like Altrua Health Share doesn’t require a religious profession either.

        There are more organizations in the comments of the first link.

  14. Mostly OT:

    Is there any belief more dangerous than “the government is us”? It basically renders the government unassailable in the minds of most people since an attack on the government is (by this reasoning) an attack on the people. It legitimizes the worst violations of liberty by making them out to be merely the actions of the people. It makes it easy to shout down anyone who criticizes the government as some kind of autocrat who doesn’t trust the will of the people.

  15. I didn’t foresee Obamacare’s disastrous rollout and the extent to which new mandates would drive up premiums and leave customers seeking out cheaper options.

    Why not? It was pretty damned obvious.

  16. Better to steer clear of the American Continent this country is actively trafficking it’s children and elderly for profit and using the FICA taxes of the fit people in it’s country to do it… So you have this Country trafficking their own kids until the kids can either produce taxable income (FICA tax for Title IV, XIX, ect. to pay these county “actors”) or profit the Government in their penal system (if the kids are too damaged from the years of being abusively trafficked ) and then you have that same Government then turning around and robbing and pillaging their elderly of any wealth they may have created during their productive years, if they are poor the elderly are taken from their family, warehoused and their Federal Benefit (Medicaid, SSI, ect.) money pillaged… This is a Sick Country in deep crisis… do not bring your sick or your down trodden as they will be used and harvested…and most certainly do not come here if you have any wealth or sense at all…This took a lot of pain to put the whole picture together, I hope it saves a few…
    http://familycourtcoalition.bl…..ourts.html

    1. If you come here wit wealth make sure it is substantial. Enough to buy the politicians you will need.

  17. The Federal government not permitted other religious-based organizations from establishing their own mutual aid networks is in violation of the U.S. Constitution in more ways than one. It’s profoundly coercive and un-America.

  18. I’m curious about *where* these “aid societies” are most popular.

    Off the cuff, I’m going to predict that they draw disproportionately from red states, states that didn’t go for the medicaid expansion, and states with a high rate of poverty.

    That said, I have no problem with these sorts of things, though I think they’re just another symptom of the issues with the cost of medicine in this country, and not part of the cure.

  19. Trading in one scam for another.

  20. More people want it, so it may be working – but the government says you can’t have more of it.

    Idiots.

    btw, I have heard radio ads for Medi-Share

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