{"id":7871,"date":"2025-09-26T08:25:52","date_gmt":"2025-09-26T12:25:52","guid":{"rendered":"https:\/\/chministries.org\/?p=7871"},"modified":"2025-10-10T15:26:33","modified_gmt":"2025-10-10T19:26:33","slug":"why-the-health-insurance-industry-is-broken-and-the-biblical-alternative-you-need-now","status":"publish","type":"post","link":"https:\/\/chministries.org\/blog\/why-the-health-insurance-industry-is-broken-and-the-biblical-alternative-you-need-now\/","title":{"rendered":"Why the health insurance industry is broken and the biblical alternative you need now\u00a0"},"content":{"rendered":"\n
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If you have health insurance, you\u2019re likely aware that the industry needs major repair. Insurance companies often put profits over people, and the health insurance marketplace has seen consistent price gouging for years. Discover the biggest downsides of health insurance plans and a biblical alternative that’s served Christians for over 40 years so you can make the decision that’s right for you. <\/p>\n\n\n\n

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Health insurance challenges <\/h2>\n<\/div>\n\n\n\n

Health insurance companies place heavy burdens on customers. Millions of Americans feel forced to buy an expensive plan to avoid unnecessary risk. This allows the health insurance industry to thrive on a lopsided business model. <\/p>\n\n\n\n

High Costs<\/h3>\n\n\n\n

The biggest issue people face with health insurance is cost. Rising premiums and deductibles over the past few years make the idea of \u201caffordable health insurance\u201d a contradiction. According to the Kaiser Family Foundation<\/a>, the average lowest-cost bronze premium in the United States is $381. That\u2019s not including a spouse or any dependents!\u00a0\u00a0<\/p>\n\n\n\n

As prices continue to skyrocket, singles and families across the nation get priced out of the market completely. Many might forgo health insurance and then face crippling debt after a serious medical event. <\/p>\n\n\n\n

Network Restrictions<\/h3>\n\n\n\n

A second problem is network restrictions. Networks consist of doctors and hospitals (also known as \u201cproviders\u201d) that health insurance companies contract with. These contracts allow members to receive discounted services from \u201cin-network\u201d providers.  <\/p>\n\n\n\n

While members can still see providers outside of their network, they are likely not covered and will incur \u201cout-of-network\u201d fees. By their nature, networks limit the providers you can pick. This could mean not getting the preferred care that\u2019s best for you or your family. <\/p>\n\n\n\n

Open Enrollment<\/h3>\n\n\n\n

Additionally, health insurance companies have an open enrollment period every year. This window allows new members to join, change an existing plan, or cancel their plan. Open enrollment typically begins on November 1st<\/sup> and ends January 1st<\/sup> of the following year, but your employer can also determine these dates.  <\/p>\n\n\n\n

If you miss this window, you won\u2019t be able to join or make any changes until the next open enrollment period, or if you have a qualifying event (moving, having a baby, getting married, or losing previous insurance). This short window often pressures people to lock into a year-long, expensive contract. <\/p>\n\n\n\n

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Instability of the health insurance marketplace<\/h2>\n<\/div>\n\n\n\n

Adding to those issues is the volatility of the online marketplace for health insurance. The Affordable Care Act (ACA)<\/a> was created in 2010 to offer affordable health insurance plans to Americans with incomes above 100% – 400% of the Federal Poverty Line. Anyone earning enough to qualify for an ACA plan might experience big changes next year: <\/p>\n\n\n\n