In this episode of the Crunchy Stewardship podcast, cousins Chrissy Rombach and Katie Jones discuss the high costs of healthcare and methods to manage these expenses effectively. They explore traditional health insurance, explaining premiums, copays, deductibles, and out-of-pocket maximums. They highlight issues within the system, such as the rising costs influenced by both providers and insurance companies. They introduce alternative healthcare strategies, focusing on non-traditional health insurance options like Christian Healthcare Ministries and Crowd Health. The episode covers their personal experiences with these health cost-sharing programs, emphasizing their benefits, such as significant discounts for self-pay patients and no network restrictions. The cousins also touch on the necessity of a mindset shift towards investing in preventative care and managing catastrophic health events. They conclude with a teaser for the next episode, which will delve deeper into the specifics of various health-sharing companies.

Key takeaway:

This Crunchy Stewardship episode reveals that while traditional health insurance in the U.S. is costly and often misaligned with consumer interests, health cost-sharing ministries offer a budget-friendly, faith-centered alternative. These ministries concentrate on covering significant medical events, encouraging individuals to invest in their preventative health through self-pay options and direct provider relationships, rather than relying on a system that often prioritizes profit over patient well-being.

Links:

• CHM: https://agapeinvests.com/chm (Katie’s Referral link. Use number ‪(231) 475-0280‬ when asked who referred you)
• CrowdHealth: https://www.joincrowdhealth.com/
• Medishare: https://www.medishare.com/
• Check out Katie’s Christian Healthcare Ministries Review videos on YouTube. https://youtube.com/playlist?list=PLbGQ6XVmrx6m6RW3vn25WbC12GLHxneDW&si=r1jzqxOGDiS-8Rnj

Chapters:
00:00 Welcome to Crunchy Stewardship
01:20 Introduction to Today's Topic: Paying for Health
02:29 Understanding Health Insurance Basics
06:12 The Economics of Healthcare Costs
07:31 Exploring Non-Traditional Health Insurance
08:38 Personal Experiences with Health Cost Sharing
15:23 Challenges and Benefits of Non-Traditional Healthcare
42:10 Conclusion

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