Priced out of health insurance, Americans rig their own safety nets

The latest data from the Internal Revenue Service reveals that the number of people joining so-called health care sharing ministries increased by 74% from 2014 to 2016, indicating that more people are turning away from conventional health insurance even though the ministries are not regulated by the states, are not subject to capital requirements, and do not adhere to essential health benefits requirements. A study by the Kaiser Family Foundation determined that most families who are uninsured simply found health insurance too costly. At the same time, more physicians are turning away from insurance, instead charging patients directly in return for more personalized care.

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