Health care doesn’t have to break the bank

Americans are getting crushed by healthcare costs. In 2018 alone, we spent $3.6 trillion on healthcare — that's more than $11,000 per American and nearly a fifth of the national Gross Domestic Product (GDP). It's on everyone's minds, which is why it has taken center stage in the Democratic party's primary. Of course, the solutions offered by the current crop of presidential candidates would do nothing to help alleviate that enormous spending. In fact, it would only add to it — what with Bernie Sanders' Medicare for All and Joe Biden's proposed ObamaCare expansion.

However, what also deserves attention in discussions about plans that increase the government's role in health care is how religious organizations would be affected. Faith-based hospitals and health care sharing ministries (HCSMs) play an important role in America, often serving as a critical provider and/or facilitator of payments for medical services in many states. If plans like Medicare for All were implemented, these groups would be at risk of going bankrupt or being severely curtailed due to the elimination of choice that comes with these proposals.

Instead of imposing a top-down and expensive health care system overhaul, faith-based providers and groups should be allowed to continue offering a variety of plans that work as high-quality, often cheaper alternatives. And more Americans should consider them.

Instead of imposing a top-down and expensive health care system overhaul, faith-based providers and groups should be allowed to continue offering a variety of plans that work as high-quality, often cheaper alternatives.

As mentioned, one such option is a health care sharing ministry. In this model, individuals contribute money into a pool managed by a religiously or ethically-affiliated organization, and costs for medical treatment are shared by people who adhere to that organization's belief system. Typically, applicants are required to sign a statement of faith in order to be accepted. It's basically like a subscription service: consumers pay a set amount of money into the ministry every month. Then, when they have a medical need or incident, they submit a claim to the ministry. Members whose claims are approved are reimbursed by the ministry from that pool of funds. Note, these ministries don't cover procedures they deem immoral.

Because providers are often getting paid in cash under this model — and typically within 90 days — patients are able to negotiate significant discounts, in some cases slicing procedures' costs to a fraction of the initial price. Insurance companies, by comparison, tend to not pay dollar for dollar on claims, and certainly not in cash. Additionally, insurance companies usually have onerous paperwork requirements, forcing doctors to spend half of their time on electronic health records and desk work. This increase in demand for administrative work is partly responsible for the United States leading the world in administrative costs in healthcare.

There are various types of HCSMs, each offering different benefits depending on what the individual needs — and a lot of savings on monthly plans. Take Christian Healthcare Ministries, for example. It's resulted in enormous savings for its members. Whereas the average healthcare plan can cost about $400 a month on the low end (with high deductibles), CHM plans can run between $78-172 a month for a single person. These kinds of plans are particularly great options for people who are relatively healthy and young, where the need for doctors and prescription drugs is less likely.

HCSMs have seen explosive growth in popularity recently. In 2014, there were only approximately 160,000 members. By 2018, membership ballooned to about 1 million HCSM members around the United States who have shared over $1 billion in medical expenses. But unfortunately, many people still feel locked into the traditional — and expensive — health care insurance model. HCSMs provide a way out, and, depending on their belief system, people should research them and see if there's one that best suit their needs. If more people deviate away from the traditional health care insurance market, insurance companies would be incentivized to adjust their pricing. That won't be possible, of course, if plans like Medicare for All are implemented.

Health care is one of life's biggest expenses, and voters are understandably desperate for a plan that cuts costs without compromising quality of care or access to it. Alternative options to health care insurance such as HCSMs are practical, free-market solutions that saves money. Americans should sift through these options before subscribing to plans that will only break the bank.

James Czerniawski is a Young Voices contributor. Follow him on Twitter @JamesCz19.

Presidential candidate Sen. Bernie Sanders (I-Vt.) may say he's all about advocating for the common good, but during his more than 30 years in "public service," the socialist senator has been more adept at promoting his own bottom line.

Investigative journalist and best-selling author, Peter Schweizer, joined Glenn Beck in the studio Friday to discuss his new book, "Profiles in Corruption: Abuse of Power by America's Political Elite," and to break downs how Sanders has become the very model of the corrupt socialist leader who becomes wealthy at the expense of the citizens they are elected to serve.

"It's a major problem for Bernie Sanders," Schweizer said. "He's turned socialism into a profession that has generated a lot of money to his family."

"Isn't that what always happens?" Glenn asked. "I mean, everybody in charge of a socialist country, they walk away with billions, in some cases, and the people are left starving."

"Yes, that's exactly right," agreed Schweizer. "It is a racket for Bernie Sanders. And the sort of austere image that he presents —kind of the John the Baptist of the progressive movement — it's simply not true."

Watch the video below for more details:


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By now you've probably heard all about former Vice President Joe Biden's alleged corruption in Ukraine with his son, Hunter, and the Ukrainian energy company, Burisma. But as it turns out, the Biden family's dubious dealings weren't limited to Ukraine, but extended to China as well.

In this clip, Glenn Beck explains Hunter Biden's four primary "problems" in China, including partnering with criminals, working with Chinese companies accused of stealing and spying on the U.S. military, as well as some very sketchy investments.

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Bill O'Reilly joined the "Glenn Beck Radio Program" on Friday for his weekly take on the 2020 presidential race.

O'Reilly emphasized what a dangerous candidate socialist Sen. Bernie Sanders (I-Vt.) really is, and how the media is working to mislead voters by depicting other Democratic candidates, such as former South Bend, Indiana, Mayor Pete Buttigieg, as "moderate."

"The Democratic Party has been hijacked -- and this is no breaking news -- by the progressive left. Which is now being enabled by the national media," said O'Reilly.

"Bernie Sanders is a dangerous man. In any sane time, media time, that would be clear to everybody. But it's not," he added. "It's like, 'Oh, there's uncle Bernie and he just wants to give stuff away. What a great guy.' [He's] not a great guy, all right? He's a totalitarian. He'll take your freedom, in every area, away. Every area. There isn't one area, that Bernie Sanders wouldn't intrude upon, in your personal freedom. Yet, that's not reported. You don't know it unless you pay attention. It's all a bunch of dishonest blather that has obliterated the so-called moderate Democrat. And there are millions of those people. They don't know what to do because they have no voice in the media."

Glenn pointed out that the media has been "trying to make Pete Buttigieg into a moderate" ever since his strong showing in the Iowa caucuses last week.

"So, Pete Buttigieg: Harvard grad. Rhodes Scholar. Brilliant man, he is brilliant. Great speaker. Almost as good as Beck and I. Not quite, but almost," O'Reilly said. "He's only 38, all right? So, the guy goes out and runs for president after being the mayor of South Bend, Indiana, for eight years, and almost destroying that city. The city is in chaos, yet he's re-elected with 80% of the vote the second time. That's what a good BS'er Pete Buttigieg is.

The two went on to break down Buttegieg's radical policy plans on immigration, abortion, gun control, and more.

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On the radio program Thursday, Glenn Beck and his chief researcher, Jason Buttrill, have uncovered new evidence that suggests the coronavirus death toll numbers coming from China are grossly inaccurate.

After vetting several deep-fake videos circulating on social media, Jason unearthed shocking whistleblower-videos released by citizens of the communist state that show entire warehouses filled with body bags, along with other atrocities.

Jason and Glenn break down the real numbers and discuss the possibilities of the outbreak coming to America. Watch the video below for more details:

Don't miss next Wednesday's TV special on the coronavirus in its new time slot at 9PM ET.

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