Evangelical Faithful Band Together to Pay Each Others' Medical Expenses
By SANDRA G. BOODMAN
The Washington Post

When his wife spent a week in Georgetown University Hospital's intensive care unit last year recovering from life-saving brain surgery, Joe Huff never worried about who would pay her $120,000 hospital bill, even though his family has no health insurance.Huff, a 52-year-old Laytonsville, Md. real estate agent, said he trusted that a bill-sharing cooperative of evangelical Christians he joined 10 years ago -- and to which he faithfully mailed a $346 monthly check -- would come through, just as it had when the youngest of the couple's seven children was hospitalized with spinal meningitis two years ago...

...While Medi-Share has many of the characteristics of insurance -- including annual deductibles, a medical advisory board, the practice of negotiating discounts from hospitals and a requirement that non-emergency treatment be approved -- Reinhold insists it is not insurance and therefore is exempt from state regulation...

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