Liberty HealthShare Rate Increases and Modifications

Surprise!  After 5 years with no rate changes, Liberty this morning announced a few changes intended to make sure the health sharing organization remains viable.  Yes, rates are going up.  No, benefits aren’t.  But if you’re a purchaser of your own insurance, you’ve seen worse.  You’ll be perhaps pleasantly surprised to know that the increases…

Liberty Health Sharing Update for June

I thought I was going to give just a quick update today, adding in June’s health sharing numbers from Liberty.  Last time, I talked about some new reporting from Liberty, and the financial health of the sharing network taking that into account.  But with the second month of the new reporting format, along with audited…

Liberty Health Sharing Update

It’s been a while since I’ve talked about health sharing–almost a year, in fact.  Last summer, I was still comparing the offerings, but can now offer some insight into my own experiences.  I’ve also been compiling the financial stats sent each month to Liberty HealthShare members.  This month includes a few tweaks to the reporting…

Health Care Sharing Ministries Comparison Part 2: Medical Qualifications

Ok, you’ve survived the ethical and religious qualifications test.  Next up is an overview of what medical qualifications you’ll have to meet, or what might be excluded from coverage based on your medical history. Will you qualify? Unlike traditional health insurance under the ACA, health sharing organizations can (and do) ask a series of medical…

The HCSM: Healthcare Sharing in General

After a couple of dense, long posts that were kind of dreary in tone, it’s time to shed some light on a set of viable options for RVers.  Generally, what I’m referring to in this post are Health Care Sharing Ministries (HCSMs). WARNING: This series of posts about insurance contains some political commentary, along with…

“Insurance” for Full-Timers

Phew!  Yes, this post and the ones that follow on this subject are going to touch on some sensitive subjects, but dealing with medical care is both sensitive and plays a large role in our comfort, security, and freedom to travel.  This first post is intended to outline some of what conventional insurance is and…