By Scott Deru

Under the Affordable Care Act (ACA), members belonging to an organization known as healthcare sharing ministries, sometimes called Christian health plans or Christian ministries plans, were granted an exemption from the personal tax penalty (up to 2.5 percent of one’s household income in 2016 and beyond) for not having a qualified plan under the act. The basic concept behind these plans is to have those who meet certain membership qualifications (attend church regularly, do not smoke or drink, declare their belief in the Trinity, etc.) to co-op and share in the costs of the other participants’ medical expenses. 

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