$200–$450/mo cost-sharing plans (Medi-Share, CHM, Samaritan, Sedera).
Healthcare sharing ministries (Medi-Share, Christian Healthcare Ministries, Samaritan, Sedera — the last non-religious) are ACA-exempt cost-sharing communities. Monthly 'share' $200–$450/family vs $1,500+ ACA marketplace family plan. Members share catastrophic bills. NOT insurance — no guaranteed payment, no chronic condition coverage, pre-existing exclusions apply. Best for healthy families needing catastrophic coverage only.
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Max HSA, pay medical out-of-pocket, invest the balance, reimburse decades later.
Reimburse employees for individual health premiums — tax-free, no group plan needed.
Reimburse up to $6,350 single / $12,800 family in premiums + medical, tax-free.
$75/mo DPC subscription + high-deductible catastrophic plan = better care at half the cost.
Hire your spouse, deduct 100% of family medical expenses through a §105 HRA.
Travel and $50/night lodging for medical care count toward the medical deduction.
Time elective procedures to clear the 7.5%-AGI floor in one big year.
Manage MAGI to avoid Medicare's income-based premium surcharges (up to $6K/yr extra).