Let's get started so first for those of you who may be unfamiliar with the healthcare concept. Health Sharing  are organizations that facilitate sharing of healthcare cost among their members who have common ethical or religious beliefs. Health shares are not health insurance. These are groups of like-minded people who band together to share medical expenses in a mutually beneficial way. Contrary to what some might think, the healthcare concept is not a new phenomenon. Health shares have been protecting their members from financial catastrophe for over 30 years, but they have gained in popularity over the last several years due to the skyrocketing cost of health insurance under Obamacare. In 2017, we saw rate increases of up to 100 and 20 percent in some areas of the country, and in 2018 rates are expected to continue to skyrocket as well. 

This has created a huge demand for lower costs alternatives to healthcare. Today there are over a million hardworking Americans who have become members of health share programs, and these health shares have paid out over 1.5 billion dollars in sharing needs. It's covered, you can count on and afford. 

You see health shares are considerably less expensive than Obamacare health insurance plans unless you're in that small group of people who are receiving large government subsidies to offset their monthly cost and they exempt you from Obamacare tax penalties. Another strength to health shares is that they utilize their own in-house price negotiation teams working hard negotiating pricing with your doctors. They also give you access to bigger provider networks leveraging the power and flexibility of PPO networks. You see PPO networks used to be the golden standard of doctor provider networks before the shift to limited HMO networks under Obamacare. With a PPO, you see who you want when you want in or out of network and have access to doctors all across the nation. Lastly, we find that many of our clients are attracted to health share programs because they don't force you to pay for things that you don't want or things that you are ethically or morally opposed to like contraception or abortions or substance abuse treatment.

As I mentioned previously, health shares are not health insurance and to not confuse the two, they have their own terminology as you can see from this slide. While health shares are not health insurance, they do accomplish the same end goal and serve the same purpose. 

Health shares are a perfect fit for those who lead a healthy, clean lifestyle. Health shares do require AEW of your health history in order to qualify for the coverage.

This process is similar to how things were done before Obamacare, so there can be a look back period on certain pre-existing conditions as well as waiting periods on certain services. As a general rule, being a tobacco user is a disqualified with healthshare programs, but there is a terrific option for tobacco users who are interested in quitting that will cover you for a year in good faith and work with you hand in hand to kick the habit. Now let's look at the major differences between healthcare programs and ACA or Obamacare health insurance plans. Under health share programs, preventive care is not free and varies by health share. There's also no cancer coverage for the first 12 months. Health shares do not share for mental health or alcohol and drug abuse treatment. Some health shares have annual and lifetime maximum sharing caps. Also, certain pre-existent conditions may make you ineligible for certain health shares, or a limitation may be placed on a certain condition. 

As I mentioned earlier, health shares leveraged the strength and flexibility of PPO networks so their members have control over how and where they receive their care. Another great strength of health share programs is that they're much less expensive than Obamacare health insurance options. The natural average for an ACA Silver Plan for a family of four husband and wife age 50 with two kids is over 1500 dollars a month and has a max outof pocket of over 13 thousand dollars a year under a lyric care that same family could be covered under one of their premium health shares with a 5 thousand dollars MISRA for only 700 and 89 dollars a month. Over the course of a year that family could save over 6 thousand dollars. Just consider those savings. 

So let's recap. 

Health shares are tried and true low- cost alternative to health insurance where groups of like-minded people ban together to share medical expenses in a mutually beneficial way. Health shares are exempt from the ACA tax penalties. There's no enrollment period, so you can enroll any time of the year. Health shares are a stable long-term solution to healthcare. No more switching plans every year. 

Healthcare programs are ideal for health-conscious individuals and families. You must qualify for health shares and pre-existing conditions are not covered with some health shares. There may be waiting periods on certain benefits and no cancerer coverage for the first 12 months with most cell shares. And the best thing about health shares is that you can enroll at any time. So you don't have to wait until open enrollment to change plans. So if you're healthy and currently have an overpriced ACA plan draining your wallet or pocketbook with deductibles and out-ofpocket costs too high to even use the coverage, imagine having a plan that met your needs that could save you four to 500 dollars a month or more. What could you do with all that extra cash? I'm sure you could find a better investment or use for it than to give it to an insurance company every month. There's no time like the president start saving money.