In this episode of The Pulling Curls Podcast, host Hilary Erickson discusses who health shares are good for. She shares her personal experience with health shares and gives advice on who should not consider a health share as an insurance option. Hilary also explains the limitations and coverage exclusions of health shares, such as preexisting conditions and small expenses. If you're interested in learning more about health shares, make sure to check out the full episode.

Big thanks to our sponsor my healthshare tips (find on my site)

Links for you:

• My Liberty Healthshare Review
• Why Left Liberty Healthshare
• How Does a Healthshare Work? with Heather Eden from Zion Healthshare — Episode 126
• Making the Choice to use a Christian Healthshare — Episode 065
• Using a Direct Primary Care Membership with Dr Bradley Shumway – Episode 086

Timestamps:

00:01:40 Stipends, health plan, deductibles, health shares. 00:04:18 Progressive coverage for preexisting conditions in health insurance. 00:07:10 Don't switch to health share if pregnant.

Keypoints:

1. Health shares are not for everyone - if you have a great plan that you like, stick with it.
2. Health shares are not insurance - they do not have the same coverage and benefits.
3. If you have preexisting conditions, a health share may not be the right option for you.
4. Preexisting conditions may not be covered initially, but may be gradually covered over time.
5. Health shares do not cover small expenses or routine visits, so if you rely on insurance for these, it may not be a good fit.
6. Health shares typically have an initial unshared amount (IUA) that you have to pay before they start covering expenses.
7. If you have multiple expenses over the IUA, the health share may waive it.
8. Pregnancy is considered a preexisting condition and may not be covered by health shares. Consider Medicaid or alternative insurance options.
9. If you have a stable, affordable plan with a low deductible, it may be better to stick with it than switch to a health share.
10. Always do your research and consider your specific healthcare needs before deciding on a health share.

Producer: Drew Erickson