The most important aspect of healthcare cost-sharing is that it isn’t federally regulated health insurance. Rather, it is a faith-based program that facilitates voluntary sharing between members, who give and receive monetary assistance for healthcare needs. This is not unlike the risk-pooling nature of health insurance, but cost-sharing plans are designed to bring together people with similar beliefs who want to encourage and support one another. These programs are exempt from the Affordable Care Act (ACA) and can replace your regular insurance. Our program is ideal for those who find traditional healthcare costly, lost healthcare coverage, or do not like dealing with ObamaCare.