By Dave Tschantz, Vice President & General Counsel
*Editor’s note: This information was published in the June 2021 issue of Heartfelt Magazine, CHM’s monthly magazine that provides CHM membership-related tips and tricks, medical advice from doctors, testimonies from CHM members, and more. Please refer to the CHM Guidelines and applicable web pages for the most up-to-date information regarding CHM membership, sharing eligibility, and ministry news.*
We continue with an examination of the standards by which CHM serves you. Last month I discussed three CHM standards: No. 6, publish online an explanation of the expenses eligible for sharing; No. 7, the identity of the persons who have the authority to adjust or increase the monthly share and No. 8, the ministry’s estimate of the current length of time to share expenses.
This article discusses CHM’s standard No. 9.
Standard No. 9: Meet all the requirements set forth in the definition of Health Care Sharing Ministries found in the U.S. Patient Protection and Affordable Care Act (commonly known as the ACA or Obamacare).
This standard makes sure that CHM’s sharing ministry brings its members into full compliance with the requirements of the ACA through CHM’s compliance with the law’s sharing ministry definition contained within that law.
When enacted, the ACA contained a mandate for every individual to maintain some form of healthcare cost support. Thankfully, members of healthcare sharing ministries who meet a definition of five criteria spelled out in the law were exempted from this requirement. The text of the law may be found here.
Though the individual mandate was repealed by Congress in 2019, President Joe Biden has stated that his administration will seek to reinstate it. CHM will make sure that it stays in compliance with the ACA criteria for a health cost sharing ministry, so you, our members, never risk a penalty for non-compliance.