Health Insurance Too Expensive? A Cheaper Option to Investigate

U.S. health insurance premiums and deductibles continue to rise at an unprecedented rate. For those of you fortunate enough to have employer-provided coverage, celebrate! Even a subpar employer-sponsored plan typically offers lower premiums and better coverage than plans on the individual exchange.

For those of you who don't have health insurance through work, read on for a look at an interesting -- and often less costly -- alternative to buying coverage on the open market: health care sharing programs.

Repeal of the Individual Mandate

The repealed the Individual Mandate, so you will no longer pay a tax penalty for not carrying health insurance in the U.S. (starting in 2019). Nevertheless, avoiding health insurance coverage altogether is risky. You will be on the hook for all medical bills, possibly ruining your credit history if you do not have cash to pay them. Medical organizations typically offer