Federal Issues
In today’s society in which the federal government increasingly seeks to supersede or burden private charitable activities that benefit the common good of our communities, it is crucial that we advocate and work for the preservation of our God given rights. The Alliance of Health Care Sharing Ministries (AHCSM) was formed to serve the common interests of faith-based ministries and charitable organizations which facilitate the sharing of health care needs (financial, emotional, and spiritual) by individuals and families. The Alliance is committed to advocacy in the public policy arena on issues of importance to health care sharing ministries and its participants.

The Alliance maintains a neutral position on issues where member Health Care Sharing Ministries have a diversity of practice or views on policy.  The positions of each member ministry on such issues, including the use of insurance agents, state registration, and others, may be obtained directly from such ministry.

State Issues

Health Care Sharing Ministries (HCSMs) engage in voluntary sharing and not a contractual transfer of risk; they are not insurance. The regulatory requirements of insurance, if imposed on HCSMs, would destroy the voluntary, ministerial nature of the organizations. HCSMs are under the oversight and general regulation of both the Internal Revenue Service and the states’ attorneys general since they are 501(c)(3) charities.

From 1994 to 2016, legislation has been passed in 30 states recognizing that  HCSMs are not insurers under the state’s insurance code.   (AK, AL, AR, AZ, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MO, MS, NC, NE, NH, OK, PA, SD, TX, UT, VA, WA, WI, and WY).

The Alliance maintains a neutral position on issues where member Health Care Sharing Ministries have a diversity of practice or views on policy.  The positions of each member ministry on such issues, including the use of insurance agents, state registration, and others, may be obtained directly from such ministry.