However, after the ACA took effect, some individuals enrolled in these plans in order to: Some people join HCSMs for religious reasons. While in 2014 only 160,000 Americans were enrolled in HCSMs, that number has risen to nearly one million participants in 2019. Over the past five years, an increasing number of Americans have turned to healthcare sharing ministries (HCSMs) to help pay for their medical costs. And more than 45% of them said it was because they could not afford coverage. But in 2017 – three years after the ACA took effect – more than 27 million non-elderly Americans were still uninsured. The Affordable Care Act (ACA), passed in 2014, was intended to expand health insurance coverage for the more than 44 million Americans who had no insurance before the law took effect. There’s no doubt that each year Americans are spending more of their household budgets on healthcare costs, and many Americans are struggling to pay for major medical insurance. Should You Place Your Faith in Christian Health Insurance?
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