[0xcde4c3db]

https://www.buzzfeednews.com/article/lauraturner/christian-h...

They're not inherently scams, but a major reason that the "premiums" are lower is that they have hardly any legal mandate to actually provide anything, which comes as a surprise to some members who are denied reimbursement. Their authority to deny "coverage" (scare quotes because that's not, technically, what they provide) is huge. In particular, HCSMs frequently deny reimbursement on the basis of conservative religious morality. Got an STD while unmarried, or cheating on your spouse, or just in an open marriage? You can't ask your good Christian neighbors to pay for that. Drug addiction or mental illness? The cure is more Jesus. Abortion? Not even to save your life. You get the idea.

[good8675309]

If you agree to a contract and then break the terms of the contract why would you be surprised when things aren't covered? It's the same thing with insurance companies. Also, many of these examples are broad generalizations that may apply to some but not all of the health sharing groups out there.