Medishare

It's legit . My company plan is slightly better or I'd switch

Paid my first share (premium) this month. It's incredibly simple and easy to use. Was going to have to pay $6-$700 to keep our doctor under Obamacare. Am now paying $165 for a family of 4, deductible is $3500 less, and we keep our doctors.

Part of why it is cheaper, is pre-existing conditions aren't covered for the first , I believe, 3 years. Also they make you sign a form saying your aren't an alcoholic, abstain from sex outside of marriage, etc. So you're getting a healthier pool of folks.

The biggest risk is they aren't contractually obligated to pay your expenses like an insurance company would be. So technically, you could have millions in medical expenses and Medishare would not be legally responsible if they were insolvent. Fortunately, they've been around since the early 90s and have never not paid a legitimate claim. So it's a risk I'm willing to take.

We looked into it. The monthly premium was going to be substantially less as well as the deductible. The only issue we had was we were pregnant and i think it sucks pretty bad if you're pregnant. You have to pay a ton of stuff. But we have several friends and family who are on it and swear by it. As the other poster mentioned, you have to sign saying you don't use drugs, alcohol, sleep around, etc. If you get drunk one night and get in a wreck and break your arm, you're contractually on your own for that whole instance. None of that bothered me because we don;t drink, smoke, etc.

Is CHM different from Medishare? I though medishare was under the CHM umbrella?