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.

Kim Iversen, journalist, YouTuber, and host of "The Kim Iversen Show," reacted to Glenn Beck's appearance last week on "Tucker Carlson Tonight" by conceding that, while the subject of Beck's new book, "The Great Reset: Joe Biden and the Rise of Twenty-First-Century Fascism" might at first sound "a little bit loony," closer analysis confirms "this isn't such a crazy conspiracy theory after all."

"Glenn Beck was on Tucker Carlson's show last week touting what has been called a right-wing conspiracy theory and discussing his new book, 'The Great Reset: Joe Biden and the Rise of Twenty-First-Century Fascism'," began Iverson on The Hill's "Rising."

"Well, maybe that all sounds a little bit loony — and believe me, I do think Glenn Beck tends to be a loon," she quipped. "But, maybe this isn't such a crazy conspiracy theory after all. And after seeing everything we've seen with the governments enacting all sorts of authoritarian controls and many other conspiracy theories coming true, maybe there's something to be concerned about. So, what is the Great Reset? The name even sounds conspiratorial, but believe it or not, it's a real thing."

Iverson went on to explain exactly who is behind the Great Reset, what their agenda entails, how they are using the COVID-19 pandemic to "to rebuild society in a way the global elites see best fit."

"You'll own nothing and you will be happy: That's what they're saying," Iverson explained. "And with inflation sky high and no signs of it slowing down, they might be right. We are on our way to becoming a nation of renters, but don't worry it's nothing to fear ... don't worry, everything is being done under the premise that this is all ... being done for our own good, the benefit of a collective society, and we will be happy," she added sarcastically.

Iverson concluded by asking, "Who thinks it's a good idea that a bunch of corporate millionaire and billionaires and world leaders are getting together and coming up with what's best for we the little people? I mean, who thinks that that's a really good idea? And who thinks that they are going to be doing it for our benefit? But, of course they're going to frame it like 'Oh, this is good for you. You're going to rent. You'll own nothing and you'll be happy. Don't worry about it' ... When you look at the actual list of partners with the World Economic Forum, they control everything. They control media. They control health. They control business. They control everything, and so then it does become, how do we people fight against that?"

Watch the video clip below to hear Kim Iverson break it down and don' t miss Wednesday night's special episode of "GlennTV" on BlazeTV’s YouTube channel.

Iversen joined Glenn Beck on the radio program to discuss what The Great Reset is and how YOU can help stop it. Watch the video clip from "The Glenn Beck Program" below:

Want more from Glenn Beck?

To enjoy more of Glenn’s masterful storytelling, thought-provoking analysis and uncanny ability to make sense of the chaos, subscribe to BlazeTV — the largest multi-platform network of voices who love America, defend the Constitution, and live the American dream.

President Joe Biden just had the worst-rated week in the entire first year of his presidency, but his latest poll numbers are the icing on the cake, Bill O'Reilly told Glenn Beck on the radio program.

Given that polls aren’t always correct, O’Reilly explained another way to prove that Biden's first year may be worse than any other president's before him: It’s impossible to name one single contribution Biden has made to move America forward.

"Biden: There isn't anything you can point to. Not one thing ... that he's done to improve the nation. That's the test. You just step back, take emotion out of it, politics out of it, and say, give me one thing that Joe Biden has done to improve the country. Just one. And you can't do it," O'Reilly said. "And if there is, I want your listeners to contact me at BillO'Reilly.com."

Watch the video clip below to catch more of the conversation:


Want more from Glenn Beck?

To enjoy more of Glenn’s masterful storytelling, thought-provoking analysis and uncanny ability to make sense of the chaos, subscribe to BlazeTV — the largest multi-platform network of voices who love America, defend the Constitution and live the American dream.

A recent report from Rolling Stone details a public letter sent to Spotify — signed by "270 physicians and scientists" — demanding that the platform implement a "misinformation policy" in response to Joe Rogan's recent interview with Dr. Robert Malone on “The Joe Rogan Experience.”

"This is absolute fascism," Glenn Beck said on the radio program. "There is no safe space. They're coming after talk radio. They're coming after our podcasts. They're coming after our websites."

Glenn said this is this is just one more example of the left's crackdown on freedom of speech and further prove of their ongoing fight against free thinkers or anybody who wants to have an open conversation that may include ideas contrary to what they believe.

Watch the video clip below to catch more of the conversation:


Get your copy of Glenn and Justin’s new book, ‘The Great Reset: Joe Biden And The Rise Of 21st Century Fascism’ available now.

Want more from Glenn Beck?

To enjoy more of Glenn’s masterful storytelling, thought-provoking analysis and uncanny ability to make sense of the chaos, subscribe to BlazeTV — the largest multi-platform network of voices who love America, defend the Constitution and live the American dream

There is no transparency when it comes to the Biden administration, and Texas Republican Sen. Ted Cruz's recent exchange with the FBI’s Jill Sanborn is just another example. When questioned about alleged involvement the FBI had on January 6, 2021, Sanborn refused to answer almost every single time.

Do our government officials still work for us? Take a look at the latest headlines: The DOJ and U.S. Army are preparing for possible conflicts with "domestic terrorists," Biden's education secretary allegedly requested the NSBA letter that suggested treating upset parents like domestic terrorists, and President Biden said if you're not with him on the Democrats' voting bills, then you're with the Confederacy. Meanwhile, the FBI won't tell Congress whether it was involved in the the Jan. 6 Capitol riot and the corporate media insists that there's nothing to see here, especially concerning Ray Epps.

The American people are concerned, and it’s "extraordinarily disturbing" how far the federal government goes to avoid answering our questions, Glenn Beck said on the radio program. There's a very odd growing trend here: Our leaders, including the unelected ones, no longer answer to the people. This must stop now.

"The question that I have is, where is the transparency? And is anyone going to be held accountable? They are not afraid of our senators. They are not afraid of Congress," he stated. "This has got to stop. They have got to answer to the law. This is an oversight committee. Who is in charge, the FBI or the people? Once the people are not in charge and are not allowed to see the secret documents, we are toast. Toast!"

Watch the video clip below to hear for more from Glenn:

Want more from Glenn Beck?

To enjoy more of Glenn’s masterful storytelling, thought-provoking analysis and uncanny ability to make sense of the chaos, subscribe to BlazeTV — the largest multi-platform network of voices who love America, defend the Constitution and live the American dream.