With the deadline to sign up for Obamacare having come and gone, many Americans have decided to “opt out” of President Obama’s signature health care reform law, choosing instead to pay the $95 penalty for sidestepping the individual mandate.
“For many Americans opting out of Obamacare is the best decision they can make, but it’s important that they do it the right way—just refusing to buy health insurance and not having another way to pay for catastrophic medical expenses is a mistake,” Sean Parnell, author of the newly-released The Self-Pay Patient, told Breitbart News. “People who want to opt out should be looking at alternatives to conventional health insurance, such as joining a health care sharing ministry or purchasing a fixed benefits policy.”
Parnell also strongly advises Americans against opting out and simply paying the “list” price for medical visits and prescription drugs without shopping around, or by relying solely on the local hospital emergency room for routine medical care.
“This approach leaves people who opt out vulnerable to sky-high medical expenses at inflated ‘list’ or ‘chargemaster’ rates, and can result in an inability to obtain needed care because of cost,” Parnell writes on his blog, selfpaypatient.com.
Instead, Parnell recommends the following eight options for those who have opted out of ObamaCare:
1. Join a health care sharing ministry, which are voluntary, charitable membership organizations that share medical expenses among the membership.
Parnell states that Samaritan Ministries, Christian Healthcare Ministries, and Christian Care Ministry are open to practicing Christians, while Liberty HealthShare is open to those who are committed to religious liberty.