Un-medical insurance part 2

I recently wrote a post regarding us dropping our traditional medical coverage for a different type of plan, considered to be a health sharing plan. October 1 marks our 1 year anniversary on the plan, & fortunately I can say that we haven't had to use it too much!! We have had 2 claims in the past year, 1 for my ear infection, which was still a relatively small amount, & 1 for Kaarin's cyst that abscessed, a not small amount. :) We have had a few other Dr. appts. that weren't covered; a physical for each of us, a visit to the orthopedist for me (ganglian cyst on my wrist), little things like that. Fortunately almost every provider we've seen offers a discount anywhere from 20%-50% off for paying cash. (These appts. weren't covered because, if you remember, we are responsible for the first $300 in each incident...so these appts. all added up to less than that & couldn't be combined into an incident)

As we look back, we are certainly blessed that we didn't have any other BIG things come up, things that certainly could be bank-breaking (to pay cash & then be reimbursed) & stressful. But at the same time, I feel so much more peace to be sending my $370/month to a PERSON to be reimbursed than to a CORPORATION that is no more concerned about me than the next person on their list.

I just wanted to offer to chat with any of you (again) who are fed up with insurance agencies who continually raise premiums & offer fewer benefits & less coverage...ALSO, this plan DOES count under the Obamacare requirement to have 'insurance.' (woot!) So let me know if I can answer any questions for you! :)