Does ChatGPT have political biases? Yes.
What conservatives want from Kevin McCarthy if he is to be the Speaker.
The Incidental Economist discovers Health Care Sharing Ministries. Not mentioned: if a plan is not working, people can always switch to a plan in the (Obamacare) exchanges – which become the ultimate risk pool.
There was one pretty hideous fraud involving a false ministry called Aliera. This pseudo-ministry just gave the premiums to the founding family and paid almost no claims. Thousands of subscribers with claims are S.O. L.
I think the insurer is going to file bankruptcy.
https://www.christianitytoday.com/news/2022/april/health-care-sharing-ministries-bankrupt-sharity-trinity-unp.html
The ministries have a very uneven record. Some have been very good for their members; but a few of them like Aliera were basically frauds. The families behind Aliera helped themselves to almost all the premiums, and thousands of claims were denied. The company is going to declare bankruptcy, I believe, and the members will be wholly stranded.
You need to have uncommon gumption just to file a claim and stay with it. Not everyone has the mental strength to go up against a hospital demanding payment, and then wait to see if the other group members will put in money for you.
We used to have a phrase for fringe insurance companies that offered unbelievably cheap premiums — called them “telephone pole insurance”, as that is where they advertised. One such company is portrayed in a fine film and novel called The Rainmaker.