united-states insurance health religion health-insurance
Secular Health Care Sharing
<p>My goal is to provide the most affordable health insurance plan or health insurance alternative for freelance workers nationwide.</p>

<p>The Affordable Care Act made members of Health Care Sharing Ministries (HCSMs) exempt from the individual mandate, so they didn't have to pay a penalty if they didn't pay for an additional type of insurance.</p>

<p>Now that the individual mandate is being repealed, can I start a secular health care sharing organization that functions similarly to the HCSMs as a more affordable alternative to health insurance?</p>

<p>Are there any legal gotchas I need to be aware of?</p>

<p>Setting up any health insurance plan is subject to myriad state and federal regulations and is not something anyone should embark upon without a lawyer. There are private for profit and non-profit health care arrangements that exist now, and more can be created, but they must comply with all relevant laws.</p>

<p>A ballpark minimum legal cost to set something like this up would be in the several hundreds of thousands of dollars range at the low end.</p>
