Guidelines - 9 Appendix
2026-07-01
9.1 Governance
REDEEM HealthShare is a division of Samaritan Ministries
International. As a member of REDEEM HealthShare, you are a
member of Samaritan Ministries. The Samaritan Ministries Board
of Directors, all of whom are members of the ministry’s health care
sharing programs, govern REDEEM HealthShare Ministry. There are
nine seats on the Board. Elected members fill six of those seats.
The six elected members serve staggered terms of three-years;
as a member, you elect two annually. The International President
and two people, appointed by the Board, fill the remaining seats.
This arrangement allows a balance of input between Samaritan
leadership and the membership at large. No board member
receives compensation for his service to the Board as a Director.
The Board has three regularly scheduled meetings each year and
special meetings as needed.
You nominate candidates and vote by digital methods. Each
household membership receives one vote. REDEEM HealthShare
holds elections each fall and announces them to the membership.
The qualifications for Board Members are available upon request.
If there are more than two candidates running for the open
seat, then the two candidates receiving the most votes win. A
candidate only receiving a plurality will be the winner unless the
Board determines that a runoff should occur between the highest
candidates. If there is only one candidate for each position, you
will receive a ballot via email to vote Yes or No. To confirm election,
each candidate must receive a majority of the votes cast.
To be eligible for Board membership, nominees must agree with
the Bylaws’ doctrinal statements, including the following Board
Member Statement of Faith:
• I believe the Bible alone is the inspired Word of God; therefore, it
is the final and only source of absolute spiritual authority.
• I believe in the triune God of the Bible. He is one God Who is
revealed in three distinct Persons—God the Father, God the Son,
and God the Holy Spirit.
• I believe Jesus Christ was God in the flesh and continues to be
such even after His resurrection—fully God and fully man. He
was born of a virgin, lived a sinless life, died on the cross to pay
the penalty for our sins, was bodily resurrected on the third day,
and now is seated in the heavens at the right hand of God the
Father.
• I believe that all people are born with a sinful nature and can
be saved from eternal death only by grace alone, through faith
alone, trusting only in Christ’s atoning death and resurrection to
save us from our sins and give us eternal life.
• I believe in the bodily resurrection of all who have put their faith
in Jesus Christ, and the bodily resurrection to judgment of all
who have not.
• All I believe and do should be for the glory of God alone.
9.2 Additional Giving
Although REDEEM HealthShare practices good stewardship by 1)
adhering to the Guidelines and 2) limiting bills shared to what
you have agreed upon, the ministry also strongly encourages
giving beyond the determined Share amount to bless those in the
member community who need extra financial support for their
Needs.
Please contact Member Care or visit our website for more
information about additional giving. Charitable gifts to Samaritan
Ministries—an IRS recognized 501(c)(3) tax-exempt organization
that operates REDEEM HealthShare Ministry—are tax-deductible.
9.3 State Disclosures
Alabama Code Title 22-6A-2 Notice: The organization facilitating
the sharing of medical expenses is not an insurance company,
and neither its guidelines nor plan of operation is an insurance
policy. Whether anyone chooses to assist you with your medical
bills will be totally voluntary because no other participant will
be compelled by law to contribute toward your medical bills. As
such, participation in the organization or a subscription to any
of its documents should never be considered to be insurance.
Regardless of whether you receive any payment for medical
expenses or whether this organization continues to operate, you
are always personally responsible for the payment of your own
medical bills.
Alaska Statute 21.03.021(k) Notice: The organization coordinating
the sharing of medical expenses is not an insurance company,
and neither its guidelines nor plan of operation is an insurance
policy. Whether anyone chooses to assist you with your medical
bills will be voluntary because no other participant will be
compelled by law to contribute toward your medical bills. As
such, participation in the organization or a subscription to any
of its documents should never be considered to be insurance.
Regardless of whether you receive any payment for medical
expenses or whether this organization continues to operate, you
are always personally responsible for the payment of your own
medical bills.
Arizona Statute 20-122 Notice: The organization facilitating
the sharing of medical expenses is not an insurance company
and the ministry’s guidelines and plan of operation are not an
insurance policy. Whether anyone chooses to assist you with your
medical bills will be completely voluntary because participants
are not compelled by law to contribute toward your medical
bills. Therefore, participation in the ministry or a subscription to
any of its documents should not be considered to be insurance.
Regardless of whether you receive any payment for medical
expenses or whether this ministry continues to operate, you
are always personally responsible for the payment of your own
medical bills.
Arkansas Code 23-60-104.2 Notice: The organization facilitating
the sharing of medical expenses is not an insurance company
and neither its guidelines nor plan of operation is an insurance
policy. If anyone chooses to assist you with your medical bills, it
will be totally voluntary because participants are not compelled
by law to contribute toward your medical bills. Participation in
the organization or a subscription to any of its documents should
never be considered to be insurance. Regardless of whether you
receive a payment for medical expenses or if this organization
continues to operate, you are always personally responsible for
the payment of your own medical bills.
Florida Statute 624.1265: Samaritan Ministries International is not
an insurance company, and membership is not offered through
an insurance company. Samaritan Ministries International is not
subject to the regulatory requirements or consumer protections of
the Florida Insurance Code.
Georgia Statute 33-1-20 Notice: The organization facilitating
the sharing of medical expenses is not an insurance company,
and neither its guidelines nor plan of operation is an insurance
policy. Whether anyone chooses to assist you with your medical
bills will be totally voluntary because no other participant will
be compelled by law to contribute toward your medical bills. As
such, participation in the organization or a subscription to any
of its documents should never be considered to be insurance.
Regardless of whether you receive any payment for medical
expenses or whether this organization continues to operate, you
are always personally responsible for the payment of your own
medical bills.
Idaho Statute 41-121 Notice: The organization facilitating the
sharing of medical expenses is not an insurance company,
and neither its guidelines nor plan of operation is an insurance
policy. Whether anyone chooses to assist you with your medical
bills will be totally voluntary because no other participant will
be compelled by law to contribute toward your medical bills. As
such, participation in the organization or a subscription to any
of its documents should never be considered to be insurance.
Regardless of whether you receive any payment for medical
expenses or whether this organization continues to operate, you
are always personally responsible for the payment of your own
medical bills.
Illinois Statute 215-5/4-Class 1-b Notice: The organization
facilitating the sharing of medical expenses is not an insurance
company, and neither its guidelines nor plan of operation
constitute or create an insurance policy. Any assistance you
receive with your medical bills will be totally voluntary. As such,
participation in the organization or a subscription to any of
its documents should never be considered to be insurance.
Whether or not you receive any payments for medical expenses
and whether or not this organization continues to operate, you
are always personally responsible for the payment of your own
medical bills.
Indiana Code 27-1-2.1 Notice: The organization facilitating the
sharing of medical expenses is not an insurance company, and
neither its guidelines nor its plan of operation is an insurance
policy. Any assistance you receive with your medical bills will be
totally voluntary. Neither the organization nor any other participant
can be compelled by law to contribute toward your medical bills.
As such, participation in the organization or a subscription to any
of its documents should never be considered to be insurance.
Whether or not you receive any payments for medical expenses
and whether or not this organization continues to operate, you
are always personally responsible for the payment of your own
medical bills.
Kentucky Revised Statute 304.1-120 (7) Notice: Under Kentucky
law, the religious organization facilitating the sharing of medical
expenses is not an insurance company, and its guidelines, plan of
operation, or any other document of the religious organization do
not constitute or create an insurance policy. Participation in the
religious organization or a subscription to any of its documents
shall not be considered insurance. Any assistance you receive with
your medical bills will be totally voluntary. Neither the organization
nor any participant shall be compelled by law to contribute toward
your medical bills. Whether or not you receive any payments for
medical expenses, and whether or not this organization continues
to operate, you shall be personally responsible for the payment of
your medical bills.
Louisiana Revised Statute Title 22-318,319 Notice: The ministry
facilitating the sharing of medical expenses is not an insurance
company. Neither the guidelines nor the plan of operation of the
ministry constitutes an insurance policy. Financial assistance for
the payment of medical expenses is strictly voluntary. Participation
in the ministry or a subscription to any publication issued by
the ministry shall not be considered as enrollment in any health
insurance plan or as a waiver of your responsibility to pay your
medical expenses.
Maine Revised Statute Title 24-A, §704, sub-§3 Notice: The
organization facilitating the sharing of medical expenses is not an
insurance company and neither its guidelines nor plan of operation
is an insurance policy. Whether anyone chooses to assist you
with your medical bills will be totally voluntary because no other
participant will be compelled by law to contribute toward your
medical bills. Participation in the organization or a subscription to
any of its documents should never be considered to be insurance.
Regardless of whether you receive payment for medical expenses
or whether this organization continues to operate, you are always
personally responsible for the payment of your own medical bills.
Maryland Article 48, Section 1-202(4) Notice: This publication is
not issued by an insurance company nor is it offered through an
insurance company. It does not guarantee or promise that your
medical bills will be published or assigned to others for payment.
No other subscriber will be compelled to contribute toward the
cost of your medical bills. Therefore, this publication should never
be considered a substitute for an insurance policy. This activity
is not regulated by the State Insurance Administration, and your
liabilities are not covered by the Life and Health Guaranty Fund.
Whether or not you receive any payments for medical expenses
and whether or not this entity continues to operate, you are always
liable for any unpaid bills.
Shares for eligible bills are sent directly to members in the state of
Maryland instead of providers.
Massachusetts 956 CMR §5.03:(3)(d) Notice: The organization
coordinating the sharing of medical expenses is not an insurance
company, and neither its guidelines nor plan of operation is an
insurance policy. Whether anyone chooses to assist you with your
medical bills will be totally voluntary because no other participant
will be compelled by law to contribute toward your medical bills.
Michigan Section 550.1867 Notice: Samaritan Ministries
International that operates this health care sharing ministry is
not an insurance company and the financial assistance provided
through the ministry is not insurance and is not provided through
an insurance company. Whether any participant in the ministry
chooses to assist another participant who has financial or medical
needs is totally voluntary. A participant will not be compelled by
law to contribute toward the financial or medical needs of another
participant. This document is not a contract of insurance or a
promise to pay for the financial or medical needs of a participant
by the ministry. A participant who receives assistance from
the ministry for his or her financial or medical needs remains
personally responsible for the payment of all of his or her medical
bills and other obligations incurred in meeting his or her financial
or medical needs.
Mississippi Title 83-77-1 Notice: The organization facilitating
the sharing of medical expenses is not an insurance company,
and neither its guidelines nor plan of operation is an insurance
policy. Whether anyone chooses to assist you with your medical
bills will be totally voluntary because no other participant will
be compelled by law to contribute toward your medical bills. As
such, participation in the organization or a subscription to any
of its documents should never be considered to be insurance.
Regardless of whether you receive any payment of medical
expenses or whether this organization continues to operate, you
are always personally responsible for the payment of your own
medical bills.
Missouri Section 376.1750 Notice: This publication is not an
insurance company nor is it offered through an insurance
company. Whether anyone chooses to assist you with your
medical bills will be totally voluntary, as no other subscriber or
member will be compelled to contribute toward your medical
bills. As such, this publication should never be considered to
be insurance. Whether you receive any payments for medical
expenses and whether or not this publication continues to operate,
you are always personally responsible for the payment of your
own medical bills.
Montana Revised Statute Chapter Sections 33-1-102 and 33-1-201
Notice: The health care sharing ministry facilitating the sharing of
medical expenses is not an insurance company and does not use
insurance agents or pay commissions to insurance agents. The
health care sharing ministry’s guidelines and plan of operation
are not an insurance policy. Without health care insurance, there
is no guarantee that you, a fellow member, or any other person
who is a party to the health care sharing ministry agreement will
be protected in the event of illness or emergency. Regardless
of whether you receive any payment for medical expenses or
whether the health care sharing ministry terminates, withdraws
from the faith-based agreement, or continues to operate, you
are always personally responsible for the payment of your own
medical bills. If your participation in the health care sharing
ministry ends, state law may subject you to a waiting period
before you are able to apply for health insurance coverage.
Nebraska Revised Statute Chapter 44-311: IMPORTANT NOTICE This
organization is not an insurance company, and its product should
never be considered insurance. If you join this organization instead
of purchasing health insurance, you will be considered uninsured.
By the terms of this agreement, whether anyone chooses to assist
you with your medical bills as a participant of this organization
will be totally voluntary, and neither the organization nor any
participant can be compelled by law to contribute toward your
medical bills. Regardless of whether you receive payment for
medical expenses or whether this organization continues to
operate, you are always personally responsible for the payment
of your own medical bills. This organization is not regulated by
the Nebraska Department of Insurance. You should review this
organization’s guidelines carefully to be sure you understand
any limitations that may affect your personal medical and
financial needs.
New Hampshire Section 126-V:1 IMPORTANT NOTICE: This
organization is not an insurance company, and its product should
never be considered insurance. If you join this organization instead
of purchasing health insurance, you will be considered uninsured. By
the terms of this agreement, whether anyone chooses to assist you
with your medical bills as a participant of this organization will be
totally voluntary, and neither the organization nor any participant
can be compelled by law to contribute toward your medical bills.
Regardless of whether you receive payment for medical expenses
or whether this organization continues to operate, you are always
personally responsible for the payment of your own medical bills.
This organization is not regulated by the New Hampshire Insurance
Department. You should review this organization’s guidelines
carefully to be sure you understand any limitations that may affect
your personal medical and financial needs.
North Carolina Statute 58-49-12 Notice: The organization
facilitating the sharing of medical expenses is not an insurance
company and neither its guidelines nor its plan of operation is
an insurance policy. Whether anyone chooses to assist you with
your medical bills will be voluntary. No other participant will be
compelled by law to contribute toward your medical bills. As such,
participation in the organization or a subscription to any of its
documents should never be considered to be insurance. Regardless
of whether you receive any payment for medical expenses or
whether this organization continues to operate, you are always
personally liable for the payment of your own medical bills.
North Dakota Century Code 50-37: The organization facilitating
the sharing of medical expenses is not an insurance company and
its guidelines and plan of operation are not an insurance policy.
Whether anyone chooses to assist the participant with medical
bills is voluntary. Participation in the organization or a subscription
to its documents is not insurance, and regardless of whether the
participant receives payments or the organization continues to
operate, the participant is responsible for the payment of the
participant’s medical bills.
Pennsylvania 40 Penn. Statute Section 23(b) Notice: This
publication is not an insurance company nor is it offered through
an insurance company. This publication does not guarantee or
promise that your medical bills will be published or assigned to
others for payment. Whether anyone chooses to pay your medical
bills will be totally voluntary. As such, this publication should never
be considered a substitute for insurance. Whether you receive
any payments for medical expenses and whether or not this
publication continues to operate, you are always liable for any
unpaid bills.
South Dakota Statute Title 58-1-3.3 Notice: The organization
facilitating the sharing of medical expenses is not an insurance
company, and neither its guidelines nor plan of operation is an
insurance policy. Whether anyone chooses to assist you with your
medical bills will be totally voluntary because no other participant
will be compelled by law to contribute toward your medical bills.
As such, participation in the organization or a subscription to any
of its documents should never be considered to be insurance.
Regardless of whether you receive any payments for medical
expenses or whether this organization continues to operate, you
are always personally responsible for the payment of your own
medical bills.
Tennessee Code Annotated, Section 48-51-201 Notice: The
organization facilitating the sharing of medical expenses is not
an insurance company, and neither its guidelines nor plan of
operation is an insurance policy. Whether anyone chooses to
assist you with your medical bills will be totally voluntary because
no other participant will be compelled by law to contribute toward
your medical bills. As such, participation in the organization or a
subscription to any of its documents should never be considered
to be insurance. Regardless of whether you receive any payments
for medical expenses or whether this organization continues to
operate, you are always personally responsible for the payment of
your own medical bills.
Texas Code Title 8, K, 1681.001 Notice: This health care sharing
ministry facilitates the sharing of medical expenses and is not
an insurance company, and neither its guidelines nor its plan
of operation is an insurance policy. Whether anyone chooses to
assist you with your medical bills will be totally voluntary because
no other participant will be compelled by law to contribute toward
your medical bills. As such, participation in the ministry or a
subscription to any of its documents should never be considered
to be insurance. Regardless of whether you receive any payment
for medical expenses or whether this ministry continues to
operate, you are always personally responsible for the payment
of your own medical bills. Complaints concerning this health
care sharing ministry may be reported to the office of the Texas
attorney general.
Utah Section 31 A-1-103 (3) (l):
(A) the health care sharing ministry is not an insurance company;
(B) nothing the health care sharing ministry offers or provides is
an insurance policy, including the health care sharing ministry’s
guidelines or plan of operations;
(C) participation in the health care sharing ministry is entirely
voluntary, and no participant is compelled by law to contribute to
another participant’s expenses;
(D) participation in the health care sharing ministry or subscription
to any of the health care sharing ministry’s services is not
insurance; and
(E) each participant is always personally responsible for the
participant’s expenses regardless of whether the participant
receives payment for the expenses through the health care
sharing ministry or whether this health care sharing ministry
continues to operate
Virginia Code 38.2-6300-6301 Notice: This publication is not
insurance and is not offered through an insurance company.
Whether anyone chooses to assist you with your medical bills will
be totally voluntary, as no other member will be compelled by law
to contribute toward your medical bills. As such, this publication
should never be considered to be insurance. Whether you receive
any payments for medical expenses and whether or not this
publication continues to operate, you are always personally
responsible for the payment of your own medical bills.
West Virginia Statute §35-1B-1-6 Notice: The organization
facilitating the sharing of medical expenses is not an insurance
company, and neither its guidelines nor plan of operation is an
insurance policy. Whether anyone chooses to assist you with your
medical bills will be totally voluntary because no other participant
will be compelled by law to contribute toward your medical bills.
As such, participation in the organization or a subscription to any
of its documents should never be considered to be insurance.
Regardless of whether you receive any payments for medical
expenses or whether this organization continues to operate, you
are always personally responsible for the payment of your own
medical bills. Complaints concerning this health care sharing
ministry may be reported to the Attorney General of your state.
Wisconsin Statute 600.01 (1) (b) (9) ATTENTION: This publication
is not issued by an insurance company, nor is it offered through
an insurance company. This publication does not guarantee or
promise that your medical bills will be published or assigned
to others for payment. Whether anyone chooses to pay your
medical bills is entirely voluntary. This publication should never be
considered a substitute for an insurance policy. Whether or not
you receive any payments for medical expenses, and whether or
not this publication continues to operate, you are responsible for
the payment of your own medical bills.
Wyoming 26.1.104 (a)(v)(C) Notice: The organization facilitating
the sharing of medical expenses is not an insurance company,
and neither its guidelines nor plan of operation is an insurance
policy. Any assistance with your medical bills is completely
voluntary. No other participant is compelled by law or otherwise
to contribute toward your medical bills. Participation in the
organization or a subscription to any of its documents shall not
be considered to be health insurance and is not subject to the
regulatory requirements or consumer protections of the Wyoming
insurance code. You are personally responsible for payment of
your medical bills regardless of any financial sharing you may
receive from the organization for medical expenses. You are also
responsible for payment of your medical bills if the organization
ceases to exist or ceases to facilitate the sharing of medical
expenses.
9.4 Summary of Sharing
This is a summary of the Sharing Guidelines that define REDEEM
HealthShare programs. REDEEM HealthShare is not insurance, it’s
a nonprofit health care sharing ministry that facilitates direct
member-to-member sharing of eligible Needs. Health care
sharing is a voluntary arrangement that unites individuals and
families through acts of mutual support and love, reflecting the
early Christian church’s commitment to caring for one another
(Acts 2:44-45). Guided by our shared faith and Biblical principles,
we come together to bear each other’s burdens and demonstrate
the love of Christ in practical ways.