Has anyone shifted to Medishare or similar sharing plans?

Absolutely not. That's playing with your financial future.

My experience is they make you pay up front then reimburse, but only after doing their best to classify whatever surgery you had as preexisting. Can skirt Obamacare rules on that because technically it’s not insurance. Nightmare stories out there about people being uncovered with cancer, left with hundreds of thousands in medical costs. BCBS not perfect but will pay and you have a measure of price protection to prevent gouging.

Gotcha. I appreciate the info.

Im not getting off Bluecross. My wife is looking for other options for her. Her business does not cover insurance.

I'm in almost the same situation as your family. If she's healthy consider putting $500- $1k a month into a HSA for potential emergencies and look into direct primary care memberships in your area. Works great for me.

At first it feels like a gamble but paying $1200+ a month for a plan that has a high deductible where you still always get a $75-$150 bill afterwards is a f*cking scam. I've negotiated cash pay for all my medical care this year and it's been a fraction of what they'd have charged insurance. If I have a million dollar medical emergency I'll haggle it down and finance it.

ETA: for perspective here's examples of what I paid for my healthcare recently vs what they'd have charged insurance
Complete labs: ~$70 vs $400
Mammogram: ~$120 vs $300
Trigger finger injection: ~$225 vs $900
My Primary care, OB/GYN, Eye dr visit are all $125 to $150 without insurance vs $250 to $400 they'd have charged insurance.

All the cash pay healthcare I've received combined this year cost less than the cost of one months premium for which I'd have received no healthcare in return. Again this only works for healthy people without expensive meds. Insurance is a scam for those in my situation

Not a bad idea.

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My wife is looking for other options for her. Her business does not cover insurance.

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Why not just put her on your plan?

I’ve always been interested in those health shares, but I don’t like the fact that they aren’t supervised and regulated by the government.

I looked at it, but both of my kids have scoliosis. They said it was pre-existing condition and would t be covered. I couldn’t take the risk if it progressed and needed surgery.

Personally, I’m not looking to have to come out of pocket $20k+ for a pretty routine healthcare procedure. Then call the Medishare number and engage in enough prayer to where they agree to write me a check for the claim.