Affordable Alternatives to Comprehensive Health Insurance
Looking for alternatives to expensive health insurance from the healthcare.gov marketplace? For many families that do not qualify for subsidies through the Affordable Care Act, insurance can be quite expensive. This is frustrating, and we understand. Here are some alternatives to health insurance through the ACA that pair well with our Integrative Life Membership (ILM).
Health Sharing with Liberty HealthShare
We are recognized as a premier Direct Primary Care practice by Liberty HealthShare, a Health Sharing Ministry. For those patients whose values align with those of this organization, pairing a Health Sharing program with our clinic provides efficiency of medical cost-sharing with the effectiveness of personalized lifestyle medicine. With Liberty, individuals and families have the opportunity to lower their expenses and improve the quality of their healthcare.
Instead of an insurance premium, members pay a monthly share amount that goes to your secure online account called a “ShareBox.” Every month that you do not have a shared medical expense, money from your ShareBox is directed to the ShareBox of another member who does have a medical need. Likewise, when you have an eligible medical expense, funds are directed to your ShareBox. As a member of a recognized healthcare sharing program, you are exempt from the mandate to purchase health insurance.
Custom Insurance Through Independent Broker
Hummingbird Insurance (HI) is a locally owned insurance agency in Asheville that offers several creative solutions to help our community attain affordable insurance coverage. Many of their plans work very well with our ILM, which together can save on costs while providing coverage for medical events that fall outside of primary care. Through this combined approach, patients are able to get both primary care through IFMA and catastrophic coverage in case of non-primary care emergencies.
High Deductible Health Plan (HDHP)
Patients may choose to pair their ILM membership with a general high deductible health plan (HDHP) from major insurance companies such as Blue Cross Blue Shield. This plan ensures that should an emergency arise that requires specialized medical care such as surgery or a hospitalization, you will be financially protected. Combining an ILM with a HDHP can save thousands of dollars.