As a committed Christian, you can live consistently with your beliefs by sharing medical needs directly with fellow believers through Samaritan Ministries’ non-insurance approach. You do not have to purchase health insurance that pays for abortions, abortifacient drugs, and other unbiblical practices.
This approach satisfies the federal health care law’s (Affordable Care Act, U.S. Public Law 111-148) requirement that you have insurance or pay a penalty-tax (see 26 United States Code Section 5000A, (d), (2), (B)). Members of health care sharing ministries demonstrate their exemption by using IRS Form 8965 when filing their tax return. If you are not required to file a tax return, you do not need to do anything to prove your exemption.
Every month, the more than 61,000 households of Samaritan Ministries (more than 200,000 people) share more than $17 million in medical needs directly—one household to another. They also pray for one another and send notes of encouragement. The monthly share for a family of any size has never exceeded $405, and is even less for singles, couples, and single-parent families.
You may find additional information on the Alliance of Health Care Sharing Ministries website.