The interview features legal counsel Mike Sharman of Share HealthCare, who points out that U.S. Senator Tim Kaine's belief that rights come from the government is fundamentally wrong and dangerous. Sharman explains that the Declaration of Independence states that unalienable rights—such as life, liberty, and the pursuit of happiness—are a gift from our Creator, not from the government. Governments are created by the people to secure and protect these pre-existing rights. Sharman says Kaine's view, which reflects ignorance or an intentional desire for government control, is a troubling and even stupid misinterpretation of the foundational principles of the United States. He contrasts the American model of a constitutional republic with other nations where the government's purpose is to protect the power base, not the rights of individuals.

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You can find out more information about Share HealthCare by calling 1-844-Share HC, or by visiting their website:

https://sharehealthcare.com/

Navigating the healthcare system can be a challenge, especially when faced with denied claims or exorbitant bills. In this episode, Mike Sharman, legal counsel for Share HealthCare, demystifies the process, empowering you with the knowledge to stand up for yourself. Discover key strategies for addressing billing issues and learn how a ministry-based healthcare sharing model offers a different, more relational approach.

Main Points:

-- Don't Do Nothing: The most important first step is to take action. Don't simply look at a bill and complain to friends; actively investigate and challenge it.

-- Nobody Pays Retail: The initial price on a medical bill is almost never the true cost. Hospitals often drop or reduce bills when challenged, especially when faced with scrutiny over their pricing practices.

-- Look for Mistakes: Human and automated errors are common. Carefully review your bill for incorrect procedures, duplicate charges, or charges for services you didn't receive.

-- Utilize Financial Assistance: Ask about the hospital's financial assistance program, which is often required by federal law.

-- Leverage the Legal System: For larger bills, the threat of legal action under consumer protection laws, which can lead to tripled damages and attorney's fees, can often prompt a hospital to settle.

-- The Healthcare Sharing Alternative: Share HealthCare is a Christian ministry, not an insurance company, where members share medical costs. This model is based on community, medical freedom, and financial affordability.

-- Relational Conflict Resolution: Share HealthCare uses a member-centric appeals process with member advocates and even a panel of fellow members to ensure conflict is resolved relationally, aiming for "reunification" rather than an "us versus them" fight.

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You can find out more information about Share HealthCare by calling 1-844-Share HC, or by visiting their website:

https://sharehealthcare.com/

In this powerful interview, Mike Sharman offers a profound Christian perspective on two national tragedies: the 9/11 terrorist attacks and the assassination of Charlie Kirk. He asserts that while evil seeks to steal, kill, and destroy, Christ's purpose is to bring abundant life. Sharman challenges the modern-day culture of division and hatred, calling Christians to be a source of grace and truth in their speech and actions.

-- The Purpose of Evil vs. the Abundance of Christ: Sharman opens with the core theme from John 10:10, contrasting the thief's intent to "steal, kill, and destroy" with Christ's promise of "life and life more abundantly." He argues that both the 9/11 terrorists and Charlie Kirk's assassin were motivated by a destructive worldview, but their actions ultimately failed to silence the truths they opposed.

-- The Unification of a Nation: Sharman notes that the 9/11 attacks, while tragic, brought about a rare sense of national unity. He highlights the heroism of the passengers on Flight 93 and points to the cross that emerged from the rubble of the Twin Towers as a powerful symbol of Christ's enduring presence and power, even in moments of profound destruction.

-- The Unsilenced Voices: Drawing a parallel between Charlie Kirk and Martin Luther King Jr., Sharman explains that assassination doesn't end a message—it magnifies it. He describes how Kirk's commitment to Christ-like peace and dialogue will be remembered and how his death will inspire more people to embrace his principles.

-- God's Protection on 9/11: Sharman provides compelling examples of God's providence on September 11, 2001. He highlights how the Pentagon plane struck a newly renovated, bomb-proof section and how the Twin Towers were largely empty because many people were either voting in a mayoral primary or taking their children to school.

Scriptures for Further Study

-- John 10:10

-- Ephesians 2:14

-- John 14:27

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You can find out more information about Share HealthCare by calling 1-844-Share HC, or by visiting their website:

https://sharehealthcare.com/

"The freedom of speech is a core freedom that we have in the United States. It's absolutely essential for us to protect it."

--Mike Sharman

In a compelling discussion, legal counsel Mike Sharman highlights the critical role of the First Amendment in safeguarding American liberties. He argues that this freedom is a bedrock principle, and that a breakdown in the legal and cultural systems can lead to a dangerous imbalance. This episode emphasizes the need for Christians to be actively involved in exercising their rights to ensure a just and moral society.

Main points from this episode:

-- The First Amendment is not just about free speech; it's a unified protection of religious freedom, speech, press, assembly, and the right to petition the government.

-- The freedom of speech is foundational to all other rights protected by the First Amendment.

-- Our system of checks and balances breaks down when those in power—like grand juries or police—operate with personal bias rather than a commitment to the rule of law.

-- The contrast between the UK and the US illustrates the dangers of a society without a written constitution and God-given laws, where speech can be arbitrarily censored.

-- True free speech allows for debate and opinion but draws the line at false facts or incitement to violence that infringe upon the rights of others.

-- Christians have a responsibility to actively engage in society and exercise their First Amendment rights, whether by speaking up, assembling, or petitioning the government.

Scriptures for Further Study:

-- Galatians 5:19-21

-- Galatians 5:22-23

-- Hebrews 13:16

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You can find out more information about Share HealthCare by calling 1-844-Share HC, or by visiting their website:

https://sharehealthcare.com/

Have you ever mistaken enabling for kindness? Join Doug Apple and Mike Sharman as they confront the difficult but critical topic of enabling, exploring why it's a deceptive form of "help" that ultimately harms the people we care about. Using the tragic example of a recent church shooting, Mike explains how accommodating mental or spiritual illness, whether in an individual or an entire culture, only makes people smaller and prevents them from living up to their God-given potential.

In this powerful conversation, you will learn:

-- Why enabling a person's weakness is the most unkind thing you can do.

-- How true compassion involves helping people confront their problems rather than sweeping them under the rug.

-- The spiritual component of destructive behaviors and the role of demonic influence.

-- Why Christian culture provides protective boundaries that benefit everyone, even atheists.

-- The importance of self-sufficiency and interdependency in Christian community, as exemplified by a medical ministry like Share Healthcare.

Scriptures for Further Study

-- John 10:10

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You can find out more information about Share HealthCare by calling 1-844-Share HC, or by visiting their website:

https://sharehealthcare.com/

This teaching explores the foundational principles of good government from a biblical perspective, asserting that all authority originates with God, the ultimate "Governor of the universe." The message outlines how God delegated dominion to humanity, beginning with the husband and wife, and how this foundational family unit is a primary target of Satan's attacks. It then examines how various economic and governmental models align with or deviate from God's design.

-- The teaching defines capitalism as an economic system based on private ownership and free-market competition, highlighting that the Bible supports the concepts of private property and working to enjoy the fruits of one's labor.

-- A free market, defined as an economic system where prices are determined by supply and demand rather than government control, is presented as the ideal model when balanced with biblical principles like honest weights and serving one another in love.

-- The message warns against fascism, a system that exalts the state over the individual and suppresses opposition, and socialism, which is described as a transitional state to communism where the government controls the means of production.

-- The speaker connects the root of socialism and communism to the sin of coveting, which violates God's commandments.

-- Democracy (power of the people) and a republic (power held by elected representatives) are discussed, with the crucial caveat from James Madison that for these systems to work, the people must first be "subjects of the governor of the universe," meaning God.

-- The ideal of a republic is a form of government for a biblically literate and moral populace, and the quote from Benjamin Franklin that a republic can be kept if you can keep it is the call to action for every generation.

Scriptures for Further Study

-- Genesis 1:1

-- Genesis 1:27-28

-- 2 Corinthians 3:17

-- Ecclesiastes 3:13

-- 2 Thessalonians 3:12

-- Galatians 5:13

-- Proverbs 11:1

-- Matthew 20:1-15

-- Isaiah 48:17

-- Exodus 20:15

-- Exodus 20:17

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You can find out more information about Share HealthCare by calling 1-844-Share HC, or by visiting their website:

https://sharehealthcare.com/

The recent news of a 110% increase in health care premiums for Virginia Beach school employees is a stark reminder of the lack of control many people have over their health care costs. This "gut punch" isn't an isolated incident; it's part of a nationwide trend of double-digit premium increases. For Christians, this situation presents an opportunity for a biblical paradigm shift — moving away from a reliance on traditional health insurance and toward a system rooted in faith, trust, and mutual sharing.

This model of health care is based on the biblical principle of Christians sharing with one another, as encouraged in Hebrews 13:16. Unlike traditional health insurance, which can fund things contrary to Christian values, a health care sharing ministry like Share HealthCare allows members to directly help fellow believers with their medically necessary expenses.

This approach offers both financial and spiritual benefits:

-- Increased Freedom and Control: When you choose a health care sharing ministry, you regain control over your health care choices and costs. Instead of being locked into a high-premium employer plan, you are free to choose an option that aligns with your faith and budget.

-- Financial Stewardship: Many Christian health care sharing ministries offer significant savings compared to traditional insurance. For example, a family of four can contribute just $349 per month to Share HealthCare, an amount that is often less than the premium increase that some people are facing.

-- A Biblical Foundation: The ministry operates on the principle of Christians helping one another, which is a core tenet of the Christian faith. This model ensures that your contributions are supporting other believers and their health needs, rather than funding practices that may be ungodly.

-- Health and Wellness: By encouraging members to live healthy, godly lives, these ministries promote a biblical view of the body as a temple. Share HealthCare, for instance, requires members to be non-smokers and to practice moderation in other aspects of their lives, which leads to better overall health and lower costs for the entire community.

Scriptures for Further Study

-- Psalm 1:1-6

-- Hebrews 13:16

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You can find out more information about Share HealthCare by calling 1-844-Share HC, or by visiting their website:

https://sharehealthcare.com/

The cost of health insurance has become a major financial burden for many families, with premiums in some cases exceeding monthly mortgage payments. This discussion explores the root causes of this crisis and offers a practical, faith-based solution.

Mike Sharman, legal counsel for Share HealthCare, breaks down how:

-- The Affordable Care Act (ACA) has created a high-price, low-competition environment by mandating coverage and stifling market competition.

-- A recent Washington Post article highlights that health insurance premiums have quadrupled since 1999 and are projected to increase by a median of 18% in 2026, which is three times higher than the previous year.

-- Unlike for-profit insurance companies that are legally bound to prioritize shareholders, Share HealthCare is a 501(c)3 nonprofit Christian ministry focused on affordability and a member-centric model.

-- Share HealthCare’s monthly share amount for a family of four is significantly less than the national average for employer-provided insurance.

-- The ministry's lower costs are attributed to its Christian principles, which encourage a healthy lifestyle and a community of prayer.

-- Individuals can take action by either joining a healthcare sharing ministry or asking their employer to provide a stipend in place of traditional insurance.

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You can find out more information about Share HealthCare by calling 1-844-Share HC, or by visiting their website:

https://sharehealthcare.com/

In this interview, Doug Apple and guest Mike Sharman discuss a series of positive developments for Christians in America. They highlight new executive orders and agency memos from the Trump administration that are restoring religious liberty protections in the federal workplace. The conversation also explores the findings of a Focus on the Family survey, which reveals that Christians, particularly those with strong convictions, report the highest rates of marital happiness. Finally, they touch on the surprising growth of Christian music and its role in reaching younger generations with a message of hope.

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You can find out more information about Share HealthCare by calling 1-844-Share HC, or by visiting their website:

https://sharehealthcare.com/

In a candid discussion, Doug Apple and Mike Sharman discuss the complexities and often brutal realities of healthcare costs in the United States. The conversation is sparked by the surprising revelation that tennis superstar Venus Williams, despite her immense wealth, returned to professional tennis partly to secure health insurance. This anecdote serves as a springboard for a deeper exploration of:

The Problem with COBRA: Understanding why continuing employer-provided insurance after leaving a job can lead to thousands of dollars in monthly premiums, even for the wealthy.

Insurance Contract vs. Covenant: A key distinction is drawn between the contractual nature of traditional health insurance and the covenantal, faith-based approach of health sharing ministries like Share Healthcare, where members are committed to bearing one another's financial burdens.

The Hidden World of Facility Fees: A detailed explanation of "facility fees" and other opaque charges that hospitals and clinics add to bills, significantly inflating costs for patients.

Navigating Surprise Charges: Practical insights into identifying and questioning questionable expenses on medical bills, such as charges for surgical kits, medication delivery, or unnecessary specialist consultations.

The Disparity in Medical Pricing: An exposé on how hospitals intentionally inflate retail prices for services, with only self-pay patients typically being charged the full, exorbitant amount, while insurers negotiate much lower rates.

The Affordability of Health Sharing: How health sharing ministries can offer significantly lower monthly costs compared to traditional insurance due to repricing bills, members' willingness to self-pay smaller expenses, and the absence of costly regulatory burdens and unbiblical coverages.

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You can find out more information about Share HealthCare by calling 1-844-Share HC, or by visiting their website:

https://sharehealthcare.com/