Why SMI? Cost of insurance was too much for Julaine Appling

Andie Dill  ·  Jan 23, 2019

When Julaine Appling began her work with the Wisconsin Family Council in 1997, she had to get her own insurance policy. The organization was not large enough to qualify for group rate policies, so that meant purchasing individual plans for each of the employees. Over the next 10 years, the cost of insurance continued to climb until early 2006 when Julaine was paying nearly $1,000 a month for her own plan alone.

It was then that Julaine decided to explore health care sharing ministries. Initially, the Wisconsin Family Council Board was not happy with her.

“They were all skeptical,” Julaine says. “Everyone is a believer, but they had never had anything but insurance.”

Julaine persisted and the board approved and she joined Samaritan Ministries in 2007.

Just a few months into her membership, Julaine had a Special Prayer Need.

“I saw right away the value of Samaritan,” she said. “People who had never even heard of me started voluntarily sending money and I received almost $3,000 on that need. And I thought ‘Wow!’ And all these wonderful notes. I have never looked back longingly on health insurance.”


Read how Julaine serves the people of Wisconsin here.