Our Solution to ‘Insurance’ on a One Income Budget

Healthcare and insurance options may not seem like an obvious topic for a homeschool blogger, but I want to share about our experience with Christian Healthcare Ministries. I know that many homeschooling families are single income homes and insurance prices have skyrocketed over the last few years.

When I first left my job to be a stay at home mom, we were able to provide insurance for my children and myself for about $200 a month. However, prices have been rising and when we last priced “traditional” insurance for our family it was going to cost us $1600 a month with a $13,000 deductible. This was more than we could afford to spend and we were very stressed about how we were going to afford insurance or what would happen if there was a major event and we were uninsured, and at the time we did not want to be penalized for not having health insurance.

As I researched options I found several health care sharing ministries. After careful research, we chose to join Christian Healthcare Ministries. They have several plans to choose from at very affordable rates. The most expensive plan they have is only about $500 a month for the whole family, but we chose their least expensive plan and only pay just over $200 per month. There plans are set up on a per unit basis with each adult being an individual unit and all the children in your household being one unit together. This makes it a great savings for families of multiple children.

With a health care sharing plan, most regular doctor’s visits are not covered. (However, we save way more each month than we usually spend on doctors visits in the course of the year.) These plans cover larger events such as hospital stays, pregnancies, surgery, etc. You are considered a self-pay patient which means that you are responsible for paying or setting up a payment plan and then filing with the ministry for reimbursement. However, it also means that you get a self-pay discount at most doctors and hospitals and that you do not have to worry about finding an in-network provider. You can use any doctor or hospital that you choose.

This plan may not be right for everyone. There are limits to the coverage for pre-existing conditions, prescriptions, etc. However, if you are worried about being able to afford insurance, are a fairly healthy family, or just want to be a part of a group of Christians that are supporting other Christians it might be a good fit for you. I highly encourage you to check out Christian Healthcare Ministries. I highly recommend them because they have been and continue to be a blessing to our family. If you choose to join through my link, I do get a free month of our membership. Once you are a member you will have the opportunity to share with friends and get the same benefit. I would not recommend them if I did not really believe in the program.

Resource Library and Affiliate Disclosure

When you sign up for the Schoolin’ Swag free resource library you will get a link and password to the library, we are adding to the library each month with new items. You will also get a bi-weekly newsletter email to keep you up to date on what we have going on.

Resource Library 

This post may contain affiliate or referral links, including Amazon affiliate links. As always I will never recommend a product that I don’t believe in and you will never be charged more for purchasing through our links. It does help pay for the costs associated with the blog.

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