Thousands of people are discovering health sharing ministries as a more affordable alternative to Obamacare.
But there are a few limitations that you need to consider. The first of these are “Activity Limits.”
One way that Altrua is able to keep monthly member contributions so low is by requiring those with greater likelihood of incurring health costs to pay a little bit more. This is obviously something that comes into play with health risks like obesity, but the fact is those who lead more active lifestyles are more prone to health costs (from injuries).
What is the Activity Limit?
According to Altrua’s membership guidelines, here is how they define the activity limit and what activities it applies to:
In other words:
A standard membership with Altrua would limit the sharing to $5,000 per year for health needs that arise from these activities.
You could opt to pay $300/year per participant to extend the sharing limit to $25,000.
Or… we have another suggestion:
What Should You Do About It?
If you’re an active family, the activity limits don’t have to be a deal-breaker as you think about joining Altrua Health Share.
The alternative we recommend is that you simply purchase a supplemental plan that covers accidents.
The accident plan we recommend will give you up to $5,000 to cover health costs stemming from an accident – and that’s per accident. Your whole family can be covered on this plan for $45/month. (You can extend coverage further if you’d like).
The other alternative is to get a plan that covers both accidents and critical illness (like cancer). These plans are a bit higher in cost, obviously, but a family can still get coverage for less than $60/month.
As always, if you have questions about Altrua or these plans, please contact us.