RE: A decentralized solidary group as an alternative to health insurances. Artabana. by mikedibaggio

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· @mikedibaggio ·
I am a member of something similar in the US. It's called Medi-Share, or [My Christian Care Ministry](https://mychristiancare.org/), and it's not insurance, but a medical cost sharing community. It's been operating since the 1990s, but it's real significance has come in since the Obamacare law. A provision in the law allowed religious cost-sharing services like Medi-Share to be exempt from the insurance requirement. 

It's not technically insurance, but it works very much like insurance. You pay a premium per month, and you have a deductible, but both premium and deductible are much, much lower than comparable insurance plans. It covers  the usual stuff, but it doesn't cover pre-existing procedures or elective/cosmetic procedures, or objectionable stuff (like birth control, abortion, sex changes, and so forth). It's much cheaper because of those restrictions, and also because it effectively works as cash payments, so there is none of the overhead that makes insurance so costly to doctors and hospitals (and which causes them to charge more for its use). Because there are so many members, they also have enough buying power to get special deals from certain physician groups, pharmacies, and the like.

To join, you have to be a member in good standing of a Christian church, attend services regularly, and agree to some moral covenants and to pray for the sick and injured within the group. They even tell you who your money went to help each month.  I pay $250 per month, and it covers my whole household at a very reasonable yearly deductible of around ~3k.
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@sascha ·
Thanx @mikedibaggio! Awesome! That's great to see there's something similar out there. Artabana is no insurance as well, there is no "must". It's all built around solidarity. All the best and thank you very much for this introduction of Medi-Share. I'll definitely have a closer look at it!
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