Faith-Based Insurance Pools for Healthcare: A Better Alternative?

As healthcare insurance in the US has skyrocketed, despite passage of President Obama’s Affordable Care Act in 2010, many Americans are turning to a new/old solution: mutualized self-help. Many Christian groups in the US are forming their own unregulated insurance pools to pay the medical bills of their members. This trend raises some fascinating questions about state/corporate bureaucracies vs. social commons. Religious faith is a big part of these expense-sharing plans. The plans themselves often reflect religious moral judgments: no medical payments for injuries caused by driving drunk, for example, or for sexually transmitted diseases contracted via an extramarital affair. Such conditions make these expense-sharing plans unacceptable to most secular consumers.