949-300- 3022 neil@insurance-oc.com

Health Sharing Plans


Health Share Caring Ministries (HCSM) act as organizational clearing houses to administer sharing of health care needs for qualifying members.  The membership is based on a religious tradition of mutual aid, neighborly assistance, and burden sharing. The membership does not subsidize self-destructive behaviors and lifestyles, but is specifically tailored for individuals who maintain a healthy lifestyle, make responsible choices in regards to health and care, and believe in helping others.

The HCSM’s are NOT health insurance, but are recognized by CMS (Centers for Medicare and Medicaid Services) as coverage that qualifies as ACA exempt plans. In other words, this coverage WILL eliminate the penalty for not having health insurance – and you can buy it any time – in or out of open enrollment.