Guidelines - II.H Liability

Members of REDEEM HealthShare Ministry share one another’s medical expenses. REDEEM HealthShare facilitates this member-to-member sharing by directing members’ shares to those who have eligible expenses. REDEEM HealthShare is not insurance. A division of Samaritan Ministries International, REDEEM HealthShare is a health care sharing ministry, as outlined in the Patient Protection and Affordable Care Act and facilitates the sharing of medical bills and expenses among members, one directly with another, according to these Guidelines, at the discretion of REDEEM HealthShare.

REDEEM HealthShare is not liable for the payment of a member’s medical bill. The REDEEM community of members pays for individual member’s medical expenses through share contributions. Members pay providers from share contributions they receive from other members. Medical bill funding does not come from REDEEM HealthShare itself. Members have no legal obligation to contribute toward another member’s medical bill. It is a sharing community.

REDEEM HealthShare’s programs are not insurance. However, individuals can use REDEEM HealthShare to be exempt from the “Affordable Care Act” federal mandate that became effective January 1, 2014, requiring “applicable individuals” to maintain “minimum essential [insurance] coverage” and also to be exempt from similar mandates in California, New Jersey, Rhode Island, Massachusetts, and the District of Columbia.

These are the only exceptions. Otherwise, members must not certify that REDEEM HealthShare is insurance to avoid purchasing insurance required by law, rule, or regulation, such as worker's compensation insurance, or extended auto coverage in some states, such as Michigan.