{"id":7316,"date":"2025-07-01T11:46:41","date_gmt":"2025-07-01T15:46:41","guid":{"rendered":"https:\/\/chministries.org\/?p=7316"},"modified":"2026-01-07T15:06:59","modified_gmt":"2026-01-07T20:06:59","slug":"why-self-pay-is-a-smart-alternative-to-health-insurance","status":"publish","type":"post","link":"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/","title":{"rendered":"Why self-pay is a smart alternative to health insurance"},"content":{"rendered":"\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-constrained wp-block-column-is-layout-constrained\">\n<p>Health insurance is expensive. Rising premiums and deductibles are a problem for countless families and singles. It also restricts the choice of doctors and hospitals available. Trying to understand the complicated rules of a policy adds even more stress to the mix.&nbsp;<\/p>\n\n\n\n<p>Most people don\u2019t realize they have other options for healthcare. If insurance is a burden on you, self-pay could be a viable solution.&nbsp;<\/p>\n\n\n\n<p><strong>Self-pay<\/strong> is when patients pay for medical charges without the help of insurance. This includes routine doctor visits, lab tests, and outpatient procedures. Instead of dealing with networks and approvals, self-pay patients work directly with healthcare providers\u2014often at a reduced cost! More U.S. citizens are choosing self-pay than ever before.&nbsp;&nbsp;<\/p>\n\n\n\n<p>If you&#8217;re a long-time insurance user, this might make you uncomfortable. Going to the doctor without coverage feels like an unnecessary gamble. Before dismissing it, you should understand the clear advantages self-pay can offer. Read more to see why it could be a good pick for your healthcare!&nbsp;<\/p>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">How Self-Pay Can Save You Thousands in Medical Costs&nbsp;<\/h3>\n\n\n\n<p>Choosing self-pay can save you a lot of money. It seems counterintuitive, but many healthcare providers upcharge insurance companies. Patients then end up with hefty medical bills they struggle to pay. This is because of a few complicated reasons we&#8217;ll get into later.&nbsp;&nbsp;<\/p>\n\n\n\n<p>With self-pay, providers can offer substantial discounts when you don\u2019t have health insurance. That discount can be the difference between owing hundreds or thousands of dollars!&nbsp;&nbsp;<\/p>\n\n\n\n<p>By not having insurance, you have no monthly premiums or deductibles to meet. You only pay for the care you need, and that\u2019s it! You also don\u2019t get hit with fees for seeing doctors outside a provider network.&nbsp;<\/p>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Get Clear, Upfront Pricing on Healthcare with Self-Pay<\/h3>\n\n\n\n<p style=\"padding-right:0;padding-bottom:0;padding-left:0\">Because a patient isn&#8217;t using insurance, it encourages providers to be more transparent. Many insurance users deal with huge medical bills without understanding why. Healthcare providers charge insurance companies extra for a few reasons, including:<\/p>\n\n\n\n<div class=\"wp-block-group is-style-default is-horizontal is-nowrap is-layout-flex wp-container-core-group-is-layout-f5eccfb4 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0\">\n<figure class=\"wp-block-image alignleft size-large is-resized\" style=\"margin-right:0\"><img decoding=\"async\" src=\"https:\/\/chministries.org\/wp-content\/uploads\/2023\/07\/CHM_Icon_Transparency_RGB.svg\" alt=\"\" class=\"wp-image-2407\" style=\"width:97px;height:auto\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li style=\"padding-right:0\">Having rates negotiated down<\/li>\n\n\n\n<li>Steep administrative costs<\/li>\n\n\n\n<li>Compensating for delayed\/partial payments<\/li>\n\n\n\n<li>Offsetting other financial losses<\/li>\n<\/ul>\n<\/div>\n\n\n\n<p>The remaining charges are then passed down to the patient. So, it can be much more expensive than if they hadn&#8217;t even used insurance in the first place. Self-pay patients can get lower rates because they&#8217;re seen as less risky. Providers are also more willing to give a sizeable discount if prompt payment is guaranteed.\u202f&nbsp;<\/p>\n\n\n\n<p>Patients who self-pay also have peace of mind by knowing where their money is going. Receiving an itemized bill with all the charges gives them a sense of control. They can dispute anything they don\u2019t understand right away. Unlike insurance, they know exactly what they\u2019re paying for. Having an extra layer of bureaucracy removed makes everything more understandable. Their payments go straight to medical bills with no strings attached.&nbsp;<\/p>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Choose Your Doctors with Self-Pay Flexibility&nbsp;<\/h3>\n\n\n\n<p>Health insurance is restrictive by nature. Insurance companies have a provider network of specific doctors and hospitals. This can limit patients from being able to see the provider they trust. If you were to go with a doctor out-of-network, you&#8217;d get hit with fees from your insurance.&nbsp;<\/p>\n\n\n\n<p>Self-pay offers far greater freedom and control. Without a network to limit you, you can choose the doctor you prefer. You&#8217;re no longer restricted to a small pool of private practices and hospitals. That means you can search anywhere for a provider you trust, at a price you can afford. It&#8217;s like shopping and cost-comparing for any other good or service.&nbsp;&nbsp;<\/p>\n\n\n\n<p>There&#8217;s no need for pre-approvals or referrals either! Self-pay patients go to the doctor they need without any red tape. It gives you the authority to manage your healthcare decisions based on your needs.<\/p>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Simplify Your Healthcare Experience by Paying Out of Pocket&nbsp;<\/h3>\n\n\n\n<p>Another great benefit of self-pay is how streamlined the healthcare process is. Insurance works the exact opposite way. Are you ever confused about the summary of your charges vs. the actual bill? Or why something wasn&#8217;t covered when it should have been? Health insurance often leaves you on hold when issues arise.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Disputing a charge is another major hassle. It makes users navigate complex systems and rules while advocating for themselves. This needless frustration happens all the time during the insurance claims process.&nbsp;<\/p>\n\n\n\n<p>Self-pay patients avoid this system altogether. They work with their doctors without any middlemen involved. There are no claims, approvals, negotiations, or finding a doctor in-network. Patients can search for healthcare providers and compare prices on their terms. Choosing self-pay bypasses the miscommunication between insurance companies and billing departments. There are no surprise bills, forms to fill out, or denials to fuss over.&nbsp;<\/p>\n\n\n\n<p>Opting out of insurance removes most of the friction we&#8217;ve grown so used to. It&#8217;s simple, direct care with no hoops to jump through.&nbsp;<\/p>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Is Self-Pay Right for Your Healthcare? Here\u2019s Who It Helps the Most&nbsp;<\/h3>\n\n\n\n<p>While self-pay isn\u2019t right for everyone, it\u2019s a great option for many Americans frustrated by the traditional system. Not dealing with bureaucracy and high premiums is an exciting prospect! Below are some groups that may find self-pay to be a good solution:&nbsp;<\/p>\n\n\n<div class=\"chm-block-icon-grid has-text-align-left wp-block-acf-icon-grid\" id=\"block_3774564992b05ee5c3831638edb3455e\" >\r\n\r\n  <div class=\"items-container \">\r\n    <div class=\"item\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/chministries.org\/wp-content\/uploads\/2023\/07\/CHM_Icon_StartingFamily_RGB-1.svg\" class=\"image\" alt=\"\" \/><div class=\"title\" style=\"color:#071d49\">Families<\/div><div class=\"description\">Families needing lower healthcare cost.<\/div><\/div><div class=\"item\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/chministries.org\/wp-content\/uploads\/2023\/07\/CHM_Icon_Entrepreneurs_RGB.svg\" class=\"image\" alt=\"\" \/><div class=\"title\" style=\"color:#071d49\">Entrepreneurs<\/div><div class=\"description\">Self-employed or freelance workers.<\/div><\/div>  <\/div>\r\n\r\n<\/div>\r\n\n\n<div class=\"chm-block-icon-grid has-text-align-left wp-block-acf-icon-grid\" id=\"block_887fa0d71a60a0fa46a683ac6e465e06\" >\r\n\r\n  <div class=\"items-container \">\r\n    <div class=\"item\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/chministries.org\/wp-content\/uploads\/2023\/07\/CHM_Icon_YoungAdult_RGB.svg\" class=\"image\" alt=\"\" \/><div class=\"title\" style=\"color:#071d49\">Young adults<\/div><div class=\"description\">Young and healthy with low medical usage.<\/div><\/div><div class=\"item\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/chministries.org\/wp-content\/uploads\/2023\/07\/CHM_Icon_Agent_RGB.svg\" class=\"image\" alt=\"\" \/><div class=\"title\" style=\"color:#071d49\">Decisions<\/div><div class=\"description\">Those who prefer to manage their own healthcare decisions.\r\nAnyone trying to avoid insurance network restrictions.<\/div><\/div>  <\/div>\r\n\r\n<\/div>\r\n\n\n\n<p>If you&#8217;re one of the groups listed here, it could be time to drop your insurance. Before you do, ensure you have enough savings for a sudden medical emergency. Whether you have insurance or not, it&#8217;s wise to have money set aside for any health needs.<\/p>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">How CHM Supports Christians Who Choose Self-Pay for Their Healthcare&nbsp;<\/h3>\n\n\n\n<p>More Americans are opting out of insurance\u2014and for good reason. Self-pay frees you from the hang-ups that are now commonplace. Let&#8217;s do a quick recap of all the advantages we\u2019ve covered:&nbsp;<\/p>\n\n\n<div class=\"chm-block-icon-grid has-text-align-left wp-block-acf-icon-grid\" id=\"block_d856cf1964ac8ccb533a499c0d6776e0\" >\r\n\r\n  <div class=\"items-container \">\r\n    <div class=\"item\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/chministries.org\/wp-content\/uploads\/2023\/07\/CHM_Icon_SelfPayDiscounts_RGB.svg\" class=\"image\" alt=\"\" \/><div class=\"title\" style=\"color:#071d49\">Discounts and savings<\/div><\/div><div class=\"item\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/chministries.org\/wp-content\/uploads\/2023\/07\/CHM_Icon_ClarityForAll_RGB.svg\" class=\"image\" alt=\"\" \/><div class=\"title\" style=\"color:#071d49\">Financial clarity<\/div><\/div>  <\/div>\r\n\r\n<\/div>\r\n\n\n<div class=\"chm-block-icon-grid has-text-align-left wp-block-acf-icon-grid\" id=\"block_fded1f6054f289a6a2959aacd17f7a62\" >\r\n\r\n  <div class=\"items-container \">\r\n    <div class=\"item\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/chministries.org\/wp-content\/uploads\/2023\/07\/CHM_Icon_Flexibility_RGB.svg\" class=\"image\" alt=\"\" \/><div class=\"title\" style=\"color:#071d49\">Greater flexibility<\/div><\/div><div class=\"item\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/chministries.org\/wp-content\/uploads\/2025\/07\/CHM_Icon_Checklist_RGB_Cropped-1.svg\" class=\"image\" alt=\"\" \/><div class=\"title\" style=\"color:#071d49\">Simplified experience<\/div><\/div>  <\/div>\r\n\r\n<\/div>\r\n\n\n\n<p>Self-pay can help you save money, expand your options, and take control of your healthcare. If you\u2019re a Christian interested in this alternative, CHM is a great solution. We\u2019re a cost-sharing ministry\u2014not insurance! That means you get all the perks of self-pay, plus having unexpected medical bills satisfied by other believers. Join CHM today and see for yourself!&nbsp;<\/p>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Health insurance is expensive. Rising premiums and deductibles are a problem for countless &hellip;<\/p>\n","protected":false},"author":49,"featured_media":7317,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[11],"class_list":{"0":"post-7316","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-uncategorized","8":"tag-financial-freedom","9":"entry"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Why self-pay is a smart alternative to health insurance - Christian Healthcare Ministries<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Why self-pay is a smart alternative to health insurance - Christian Healthcare Ministries\" \/>\r\n<meta property=\"og:description\" content=\"Health insurance is expensive. Rising premiums and deductibles are a problem for countless &hellip;\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/\" \/>\r\n<meta property=\"og:site_name\" content=\"Christian Healthcare Ministries\" \/>\r\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/iheartchm\/\" \/>\r\n<meta property=\"article:published_time\" content=\"2025-07-01T15:46:41+00:00\" \/>\r\n<meta property=\"article:modified_time\" content=\"2026-01-07T20:06:59+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/chministries.org\/wp-content\/uploads\/2025\/07\/woman-paying-with-bank-card.png\" \/>\r\n\t<meta property=\"og:image:width\" content=\"768\" \/>\r\n\t<meta property=\"og:image:height\" content=\"480\" \/>\r\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\r\n<meta name=\"author\" content=\"Deven Fenn\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:creator\" content=\"@iheartchm\" \/>\r\n<meta name=\"twitter:site\" content=\"@iheartchm\" \/>\r\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Deven Fenn\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/\"},\"author\":{\"name\":\"Deven Fenn\",\"@id\":\"https:\/\/chministries.org\/#\/schema\/person\/3927d61e61abda708c341fd85d913ffc\"},\"headline\":\"Why self-pay is a smart alternative to health insurance\",\"datePublished\":\"2025-07-01T15:46:41+00:00\",\"dateModified\":\"2026-01-07T20:06:59+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/\"},\"wordCount\":1056,\"publisher\":{\"@id\":\"https:\/\/chministries.org\/#organization\"},\"image\":{\"@id\":\"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/chministries.org\/wp-content\/uploads\/2025\/07\/woman-paying-with-bank-card.png\",\"keywords\":[\"Financial Freedom\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/\",\"url\":\"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/\",\"name\":\"Why self-pay is a smart alternative to health insurance - Christian Healthcare Ministries\",\"isPartOf\":{\"@id\":\"https:\/\/chministries.org\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/chministries.org\/wp-content\/uploads\/2025\/07\/woman-paying-with-bank-card.png\",\"datePublished\":\"2025-07-01T15:46:41+00:00\",\"dateModified\":\"2026-01-07T20:06:59+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/#primaryimage\",\"url\":\"https:\/\/chministries.org\/wp-content\/uploads\/2025\/07\/woman-paying-with-bank-card.png\",\"contentUrl\":\"https:\/\/chministries.org\/wp-content\/uploads\/2025\/07\/woman-paying-with-bank-card.png\",\"width\":768,\"height\":480},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/chministries.org\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Why self-pay is a smart alternative to health insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/chministries.org\/#website\",\"url\":\"https:\/\/chministries.org\/\",\"name\":\"Christian Healthcare Ministries\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/chministries.org\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/chministries.org\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/chministries.org\/#organization\",\"name\":\"Christian Healthcare Ministries\",\"url\":\"https:\/\/chministries.org\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/chministries.org\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/chministries.org\/wp-content\/uploads\/2023\/07\/logo-badge-author.webp\",\"contentUrl\":\"https:\/\/chministries.org\/wp-content\/uploads\/2023\/07\/logo-badge-author.webp\",\"width\":149,\"height\":149,\"caption\":\"Christian Healthcare Ministries\"},\"image\":{\"@id\":\"https:\/\/chministries.org\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/iheartchm\/\",\"https:\/\/x.com\/iheartchm\",\"https:\/\/www.instagram.com\/iheartchm\/\",\"https:\/\/www.linkedin.com\/company\/iheartchm\",\"https:\/\/www.youtube.com\/user\/CHMNews\",\"https:\/\/www.tiktok.com\/@iheartchm\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/chministries.org\/#\/schema\/person\/3927d61e61abda708c341fd85d913ffc\",\"name\":\"Deven Fenn\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/chministries.org\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/afa85a1224e0a8ca8deb9bfc89ee2132db93f09879df6277de9257a4cfa6ee37?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/afa85a1224e0a8ca8deb9bfc89ee2132db93f09879df6277de9257a4cfa6ee37?s=96&d=mm&r=g\",\"caption\":\"Deven Fenn\"},\"description\":\"Deven enjoys writing for the glory of God. He and his wife live in Akron, Ohio.\",\"url\":\"https:\/\/chministries.org\/author\/dfennchministries-org\/\"}]}<\/script>\r\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Why self-pay is a smart alternative to health insurance - Christian Healthcare Ministries","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/","og_locale":"en_US","og_type":"article","og_title":"Why self-pay is a smart alternative to health insurance - Christian Healthcare Ministries","og_description":"Health insurance is expensive. Rising premiums and deductibles are a problem for countless &hellip;","og_url":"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/","og_site_name":"Christian Healthcare Ministries","article_publisher":"https:\/\/www.facebook.com\/iheartchm\/","article_published_time":"2025-07-01T15:46:41+00:00","article_modified_time":"2026-01-07T20:06:59+00:00","og_image":[{"width":768,"height":480,"url":"https:\/\/chministries.org\/wp-content\/uploads\/2025\/07\/woman-paying-with-bank-card.png","type":"image\/png"}],"author":"Deven Fenn","twitter_card":"summary_large_image","twitter_creator":"@iheartchm","twitter_site":"@iheartchm","twitter_misc":{"Written by":"Deven Fenn","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/#article","isPartOf":{"@id":"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/"},"author":{"name":"Deven Fenn","@id":"https:\/\/chministries.org\/#\/schema\/person\/3927d61e61abda708c341fd85d913ffc"},"headline":"Why self-pay is a smart alternative to health insurance","datePublished":"2025-07-01T15:46:41+00:00","dateModified":"2026-01-07T20:06:59+00:00","mainEntityOfPage":{"@id":"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/"},"wordCount":1056,"publisher":{"@id":"https:\/\/chministries.org\/#organization"},"image":{"@id":"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/chministries.org\/wp-content\/uploads\/2025\/07\/woman-paying-with-bank-card.png","keywords":["Financial Freedom"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/","url":"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/","name":"Why self-pay is a smart alternative to health insurance - Christian Healthcare Ministries","isPartOf":{"@id":"https:\/\/chministries.org\/#website"},"primaryImageOfPage":{"@id":"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/#primaryimage"},"image":{"@id":"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/chministries.org\/wp-content\/uploads\/2025\/07\/woman-paying-with-bank-card.png","datePublished":"2025-07-01T15:46:41+00:00","dateModified":"2026-01-07T20:06:59+00:00","breadcrumb":{"@id":"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/#primaryimage","url":"https:\/\/chministries.org\/wp-content\/uploads\/2025\/07\/woman-paying-with-bank-card.png","contentUrl":"https:\/\/chministries.org\/wp-content\/uploads\/2025\/07\/woman-paying-with-bank-card.png","width":768,"height":480},{"@type":"BreadcrumbList","@id":"https:\/\/chministries.org\/blog\/why-self-pay-is-a-smart-alternative-to-health-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/chministries.org\/"},{"@type":"ListItem","position":2,"name":"Why self-pay is a smart alternative to health insurance"}]},{"@type":"WebSite","@id":"https:\/\/chministries.org\/#website","url":"https:\/\/chministries.org\/","name":"Christian Healthcare Ministries","description":"","publisher":{"@id":"https:\/\/chministries.org\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/chministries.org\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/chministries.org\/#organization","name":"Christian Healthcare Ministries","url":"https:\/\/chministries.org\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/chministries.org\/#\/schema\/logo\/image\/","url":"https:\/\/chministries.org\/wp-content\/uploads\/2023\/07\/logo-badge-author.webp","contentUrl":"https:\/\/chministries.org\/wp-content\/uploads\/2023\/07\/logo-badge-author.webp","width":149,"height":149,"caption":"Christian Healthcare Ministries"},"image":{"@id":"https:\/\/chministries.org\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/iheartchm\/","https:\/\/x.com\/iheartchm","https:\/\/www.instagram.com\/iheartchm\/","https:\/\/www.linkedin.com\/company\/iheartchm","https:\/\/www.youtube.com\/user\/CHMNews","https:\/\/www.tiktok.com\/@iheartchm"]},{"@type":"Person","@id":"https:\/\/chministries.org\/#\/schema\/person\/3927d61e61abda708c341fd85d913ffc","name":"Deven Fenn","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/chministries.org\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/afa85a1224e0a8ca8deb9bfc89ee2132db93f09879df6277de9257a4cfa6ee37?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/afa85a1224e0a8ca8deb9bfc89ee2132db93f09879df6277de9257a4cfa6ee37?s=96&d=mm&r=g","caption":"Deven Fenn"},"description":"Deven enjoys writing for the glory of God. He and his wife live in Akron, Ohio.","url":"https:\/\/chministries.org\/author\/dfennchministries-org\/"}]}},"publishpress_future_action":{"enabled":false,"date":"2026-03-18 01:44:18","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/chministries.org\/wp-json\/wp\/v2\/posts\/7316","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/chministries.org\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/chministries.org\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/chministries.org\/wp-json\/wp\/v2\/users\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/chministries.org\/wp-json\/wp\/v2\/comments?post=7316"}],"version-history":[{"count":3,"href":"https:\/\/chministries.org\/wp-json\/wp\/v2\/posts\/7316\/revisions"}],"predecessor-version":[{"id":8346,"href":"https:\/\/chministries.org\/wp-json\/wp\/v2\/posts\/7316\/revisions\/8346"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/chministries.org\/wp-json\/wp\/v2\/media\/7317"}],"wp:attachment":[{"href":"https:\/\/chministries.org\/wp-json\/wp\/v2\/media?parent=7316"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/chministries.org\/wp-json\/wp\/v2\/categories?post=7316"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/chministries.org\/wp-json\/wp\/v2\/tags?post=7316"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}