Christians Find Their Own Way to Replace Obamacare image

U.S. News & World Report, February 23, 2016
By Kimberly Leonard, quoting Rachel Sachs (Academic Fellow)

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From the article: 

[...] Rachel Sachs, academic fellow at the Petrie-Flom Center for Health Law Policy, Biotechnology and Bioethics at Harvard Law School, says some academics are concerned that the sudden growth in membership within health sharing ministries could threaten the private, individual health insurance market. Members of sharing ministries tend to be healthier because they avoid risky behavior, meaning that people who are sicker or have more expensive conditions to manage turn to the marketplace or to publicly funded Medicaid because ministries won’t share in many of their health needs.

This results in adverse selection, particularly as the federal government and states are trying to enrollhealthy, young citizens in tax-subsidized private insurance so they can balance the costs for people whose medical needs are more expensive and complex.

“I think health sharing ministries seem to be terrific institutions for most of the people in them, but I do have concerns about their effects externally,” Sachs says. [...]

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