Medical Cost Sharing, Inc. – buyer beware?

I posted the other day that there were two new* health care sharing ministries that had recently come to my attention. The first, Solidarity HealthShare, As I’ve mentioned before, I’m a big fan of the sharing ministry concept (and am a member of one, in fact), and am very happy to see Solidarity finally launch.

Regrettably, my take on the second new-ish entity is not quite so welcoming. At best, it looks like a well-intended operation run by people who are making some poor or questionable decisions. At worst – well, at worst it’s worse than that.

First, a basic review. Medical Cost Sharing, Inc. (MCS) of St. Joseph, Missouri, offers three separate levels of membership, with “personal responsibility” amounts (like a deductible) varying between $1,000 and $5,000. Up to $500,000 in medical needs can be shared annually at the Silver and Bronze levels (with a lifetime cap of $1 million, so after two really, really bad years a member would need to leave), while there is a $1 million annual limit with the Gold membership and no lifetime limit.

The monthly contribution per person for the Gold membership is $285, Silver is $240, while the Bronze level is $175 per person. There are also two additional levels, one for children age 2 months to 18 years and a second for young adults age 18 – 26.

So far, so good – MCS basically looks just like the other ministries, with the standard variations in membership levels that distinguish all of them from one another. But one of the crucial questions when it comes to sharing ministries is whether members are exempt from having to pay a tax/penalty for being uninsured under the Affordable Care Act (better known as Obamacare). And here the red flags begin.

As I’ve mentioned in the past, Obamacare stipulates that to be eligible for this exemption, ministries need to have been in operation since 1999. This is why Altrua, CMF Curo, Liberty, and Solidarity are all affiliated with other, older ministries, in order to ensure their members get this exemption, and it’s why I keep putting an asterisk after the word “new” when describing certain ministries.

MCS, on the other hand, has chosen a different path – they do not qualify for the exemption, and instead offer to pay the tax/penalty for members (up to a maximum amount). Here’s the language they use on their page headlined “No Penalties for MCS Members.”

The new law Affordable Care Act or Obamacare will access a 1% tax penalty for those who choose not to enroll in Obamacare. These funds will only be deducted from your tax REFUND.

  1. Example A – if you made $60,000.00 this year and you owe $900.00 your penalty would be ZERO dollars.
    • Remember your tax penalty is only if you’re receiving a refund.
  2. Example B – using the same criteria from above but your receiving a refund of $900.00 your penalty would be 2% (2% of $60,000.00) or $1200.00.
    • C.S would confirm this on your tax return and reimburse you $1200.00
    • There are income limits on how much M.C.S. will reimburse
    • Ages 18 to 26 maximum annual salary of $40,000.00 per person
    • Ages 27 to 65 maximum annual salary of $85,000.00 per person
  3. Example C – if you were 50 years old and made $95,000.00 M.C.S. would reimburse a maximum of $1700.00 your responsibility would be $200.00 or 2% of $10,000.00
  4. Example D – if you made $95,000.00 that $10,000.00 above the maximum limit that we reimburse leaving you with $200.00 not being paid by M.C.S.
    MCS Medical Cost Sharing strives to be the leader in our industry, providing the most comprehensive, and complete healthcare Solutions affordable to you today. M.C.S. says No Penalties!

According to the laws passed by congress (A.C.A Obamacare) all Christian Medical Cost Sharing organizations formed prior to Dec 31, 1999 that have been in continuous service are exempt from all penalties from Obamacare. We here at MCS Medical Cost Sharing Inc. were not in business prior to Dec of 1999. Does this mean you are responsible for any penalties “NO Penalties ” All penalties are paid by M.C.S, However what sets us apart from any other medical cost sharing organization is are added benefit program at no additional cost to you. Benefits like are Return of Contribution (ROC) are Contribution Cap (CC) and are Vanishing Personal Responsibility (VPR) Please click here to compare us and a complete list of our added benefits.

The page is correct in that the penalty can only be collected if you have a refund, something I’ve pointed out in the past. But the headline is misleading. Example A, for instance, suggests that if you don’t have a refund due then there is no penalty. This isn’t quite correct – because those penalties do not simply disappear because you aren’t owed a refund, they remain on the IRS’ books (which is what really counts) for future years, and while you may not have a refund this year to have the penalty taken from, you might next year. Or ten years from now.

Second, the language repeatedly states that members don’t have to pay penalties – which is false, as examples 2-4 demonstrate. Each of them states that there is a maximum amount they will reimburse, and penalty amounts that exceed those levels are in fact the responsibility of members. So “No Penalties” is really “Reduced Penalties,” not quite the same thing.

It’s probably worth noting that the only way this can be done is by increasing the monthly membership contributions in order to fund this pledge.

And it also occurs to me this may not even be legal – there are strict limits on what charitable funds can be used for, and I’m not sure reimbursing tax penalties for members qualifies (would love to hear from anybody knowledgeable on this subject).

If it were just this one thing, I probably wouldn’t be quite so alarmed. But a few additional items are raising red flags with me:

  • MCS has a web site aimed at the Kansas City area in particular. Nothing wrong with that, but the site uses the term “Christian medical insurance.” In the headline. That’s basically an invitation to the state department of insurance to come in and shut them down, since as every other sharing ministry goes to extensive pains to explain, repeatedly, sharing ministries are not insurance. It is, to the best of my understanding, illegal to market something as insurance that is not, in fact, insurance. They also have a web site using the term: Being ignorant of this basic distinction between sharing ministries and insurance, or worse fraudulently marketing something as insurance that is emphatically not insurance, is deeply troubling.
  • MCS on the same site touts a nurse hotline. Here’s how they phrase it:

24 Hour Nurse Hotline: Would it help if you could talk to a nurse any day, any hour? Call our hotline here: 24/7 Nurse Hotline – free and confidential: Call (816) 271-4000 or (800) 455-2476.

The problem is, those phone numbers belong to a medical organization, Mosaic Life Care, that is also headquartered in St. Joseph but that has no affiliation with MCS. A spokesperson for Mosaic Life Care described the nurse hotline to me as a free community service not affiliated with or connected to any other organization, and they seemed more than a little annoyed that MCS was claiming and promoting it as their own.

  • One of the two founders of MCS, Craig A. Reynolds of St. Joseph, Missouri, is a former insurance agent licensed in both Kansas and Missouri (and therefore ought to understand that marketing MCS as “Christian insurance” is a big no-no). Perhaps more relevant, he lost both licenses based on his problematic business practices (here is the Kansas revocation, and here is Missouri).
  • Despite receiving an IRS ruling in 2014 recognizing them as a 501(c)3 organization, I could not find their 990 form that every nonprofit is supposed to file.

Finally (and I should really say firstly, since it was this communication that sent me investigating this operation), I heard from a very dissatisfied former member:

You should know “Medical Cost Sharing” which is a .com is apparently TOTALLY FRAUDULENT! We are now out $3990.00. No medical bill paid. We called the local news outlet in St. Joseph, Missouri have told us the address listed for them is a defunct bar. All this since we filled a claim after 7 months of paying them.

I followed up with this person asking for more information, and this is what she replied:

We joined them in January. The premium membership. $570. Per month.  My Husband began having knee problems in the spring we went to the dr they filed and nothing!  The dr office nor the MRI folks heard from them. Neither did we. Now they because of a “comprised” payment card and them not returning my 6 or so calls we are “dropped by them and they refuse to deal with us over claims made during the time we “supposedly had coverage. They hung up on us when we finally did get someone to answer the phone by calling repeatedly in the same hour.  My husband contacted St Joseph news and they looked up the address and said it is a closed bar. That there hasn’t been a business at that address for years. We called the nurses number on the card from medical cost sharing and the nurses that answered the phone said they had never heard of them. That they were not affiliated with Medical Cost Sharing.

I did place a call to MCS, and spoke with one of the co-founders and the chief operating officer, Jim McGinnis. He seemed like a nice enough guy, and he assured me they are not operating out of a closed bar (and the address on the web site is for an office building, at least as near as I can dig up). He claimed MCS has actually been in operation since 2009, which is possible of course, but the LinkedIn profile of Reynolds indicates he’s been CEO since 2012, and in terms of internet searches there’s not much to indicate they began operation any time before 2014. Jim also said they’d be getting the tax filings taken care of at some point in the near future.

Regarding the nurse hotline, the web site currently notes the following:

We recently had to discontinue the use of the 800 number to reach a nurse 24/7.   A phone number for this service was printed on some of our older membership cards.   We are planning to upgrade this service  to better serve our members in the very near future.  We apologize for any inconvenience this may have caused.

I don’t recall seeing this notice the last time I was on the page (yesterday), but I could have just missed it, or it could have been added since I contacted them a few days ago.

It’s entirely possible I’m misunderstanding some key facts here, and a few modest or irrelevant mistakes by the MCS leadership team and the tale of one dissatisfied former member are obscuring an otherwise fine and valuable organization. But as self-pay patients look for options that fit best fit their needs, the cautionary principle caveat emptor (let the buyer beware) is always a good rule, and it shouldn’t be ignored by anyone looking at MCS as an option.

**UPDATE 9/28/2016**

Thought I would do a brief update on Medical Cost Sharing, Inc. In the few days since I first posted this report, they have substantially revised several sections of the web site, particularly those that I singled out for attention. For example, the deeply problematic language regarding paying the tax/penalty for being uninsured has all disappeared, and it now reads:

According to the laws passed by congress (A.C.A Obamacare) all Christian Medical Cost Sharing organizations formed prior to Dec 31, 1999 that have been in continuous service are exempt from all penalties from Obamacare. We here at MCS Medical Cost Sharing Inc. were not in business prior to Dec of 1999, but we have set aside 2.5% of all sharing contributions into a separate account that will ONLY be used if there are MCS Members that need the funds. As of 2016, NO MCS MEMBERS has had to pay a single penny out of their pocket in ACA Fines. We are here for you!

That’s quite a bit different than what was there before, of course. Hard to tell what it means, as no guidelines are provided – are there still limits on how much any person can be reimbursed, and if so are they lower or higher than previously stated?

The plans have been changed as well. For starters, they are now much more expensive – a single person joining at the Gold level now pays $362 per month, compared to $285 last week. And all plans now have a $200,000 annual limit for sharing medical bills, down from $1 million for Gold and $500,000 for Silver and Bronze. They’ve also added a basic plan and dropped the two plans for children and young adults. These seem to be very major changes to the MCS plans, bigger than I would expect (some tweaking and adjustments are to be expected, of course, particularly for a new entity).

The Kansas City-specific site has been changed as well, with references to “Christian health insurance” having disappeared, replaced with the following statement:

Please note that we are a Christian Healthcare Sharing Ministry. We are NOT insurance or an insurance company and should not be misconstrued as such

The web site also appears to have been scrubbed of the problematic term.

In addition, the community nurse hotline MCS was directing members to and touting as their own despite no affiliation with the hotline provider has disappeared, replaced with a reference to a telemedicine program that members enjoy.

There is one feature of MCS that I didn’t pay much attention to last week but upon further review raises further red flags with me – the “return of contribution” pledge. Here’s how it’s described:

The ROC is one of Medical Cost Sharing’s most unique features. This concept is unheard of in the health care industry. What it means is this: after ten years of continuous membership minus any hospitalization or outpatient services, 100% of all remaining contribution will be refunded back to you. What does that mean to you? Lets take a look at a few different examples.

  1. Let’s say your monthly contribution is $362.00 per month. Over 10 years you paid in $43,440.00. Now let’s suppose the only funds used were when you had minor knee surgery and the total cost for that surgery was $8,000.00. Your refund would be $35,440.00!
  2. Let’s say you made the same contribution as above. However, this time you needed heart surgery and the total cost of the procedure was $250,000.00. Your refund would now be zero but your claim would be PAID IN FULL.
  3. Next, let’s look at a different scenario. Suppose your monthly contribution is $565.00 per month. Over 10 years you pay in $67,800.00 (This would be for yourself and your spouse). Now let’s assume that you and your spouse had no healthcare claims over that 10 year period. Your refund would be $67,800.00! What a smart way to save for college or retirement and be covered at the same time, and what a reward for healthy living?

This doesn’t make a lot of sense to me, to be honest. I mean, I get the concept, I’m just not sure why a sharing ministry would make such a promise and how this doesn’t end in disappointment.

MCS is assuming, probably correctly, that only a small number of individuals will stick around for ten years and put in significantly more than they receive. But even if only one or two percent of its membership manage to do this, the cost will be very significant. For example, if MCS had 10,000 members and in a given year 100 of them hit the 10-year mark, and on average they had submitted claims equal to half of what they contributed, then using the numbers above ($342/month x 120 months) MCS is going to need to pay out more than $2.1 million.

The only way to do this, of course, is to be setting aside some portion of the funds sent in right now, or to plan to raise the membership cost in ten years to cover this expense. And it’s really, really important that they get the numbers right – if they’ve calculated it will be one percent of members get half their contribution back and it turns out to be two percent get three-quarters back on average, it’s a serious problem. Either way, this program adds to the cost of membership.

Another concern with this is that it makes pledges for ten years into the future when, as anyone familiar with how sharing ministries operate can tell you, these are private, voluntary entities that make no promise for even next month, let alone a decade down the road. At any time the members can decide to stop contributing and go elsewhere, potentially reducing the number of people willing to stick around and pay for this pledge. In some ways it’s similar to the problems many traditional pension funds are facing – too many people drawing and not enough contributing to make the math work.

Oh, and it’s worth mentioning that in example #2, the claim for a $250,000 heart surgery (actually, not a claim – that’s an insurance term – it should probably read shared amount) is incorrect, or at least seriously misleading – all the plans at MCS now have a $200,000 annual limit, so the member’s medical bill of $250,000 would still leave them with $50,000 to pay.

Readers can draw their own conclusions about what all of this means and whether they wish to consider MCS as an alternative to conventional health insurance, but given the sudden changes to its offerings and marketing I thought an update would be helpful.

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42 Responses to Medical Cost Sharing, Inc. – buyer beware?

  1. William says:

    I have been a member of MCS since August of 2015. I am very happy with the service they provide. They have always taken care of my claims in a timely manner. I never have a problem getting in contact with someone to help me.

  2. JJM says:

    Initially, the contributions seem double most other plans – perhaps some benefits make up for this.
    The claim that ObamaCare penalties only apply to refunds is enough to turn me away. Even if you never receive a refund, the FEDS will come to get the penalties and you don’t want your property or Social Security confiscated!!! Even if they pay any and all penalties, YOU and other members do pay via the contributions – NOTHING is FREE.

    • Sean Parnell says:

      I should point out that, at least as far as the law is written today, MCS is correct that penalties may only be collected through tax refunds. There’s nothing to say Congress can’t change that, however.

  3. Philothea says:

    If someone else pays your income tax, that amount is taxable to you in the year the payment is made. I am a CPA and tax accountant specializing in personal income taxes. Reading this, I would stay away from this particular health sharing ministry.

  4. R. E. Halstead says:

    i am interested in finding out just exactly which christian healthshares HAVE
    BEEN IN BUSINES SINCE 1999 , and therefore members are exempt from OBAMACARE PENALTIES.



    • Sean Parnell says:

      Samaritan Ministries, Christian Healthcare Ministries, Christian Care Ministries, Altrua Healthshare, Liberty Healthshare, Christ Medicus Foundation CURO, and Solidarity HealthShare all qualify for the exemption.

  5. Jenna says:

    If you are looking into your options for Health Care Sharing plans, be very careful about whom you select. We were very enthusiastic about the idea of saving 50% on monthly premiums with potentially a much lower out-of-pocket costs due to cost-sharing with like minded individuals who try to treat their bodies in a way that honors God. We chose to sign our family up with Medical Cost Sharing (MCS). Although they were close to impossible to reach when we had question or wanted to update our billing information, all seemed to be going well and they gladly took our automated payments for several months UNTIL I had an injury that could possibly result in surgery. Shortly after submitting our doctor’s bill (which we already paid for out of pocket and negotiated the lowest possible rate) I received a letter of termination. In the letter they are claiming pre-existing conditions that I was not seeking reimbursement for, as well as stating that I have a condition simply because I was prescribed a medication for something else, but that medication is typically used to treat a specific condition (that I don’t have). They said not to bother appealing the decision – their board is overwhelmed with the case load and has never overturned a termination. So now I am out thousands of dollars that I paid to them in contributions, plus the hundreds (plus more in the future) of dollars in current medical bills. I am sick inside that people claiming to be Christian and spout scripture stating we should help others turned their back on us the minute we had a legitimate need. If I go to any other cost-share program now, my injury will be considered a pre-existing condition. My only option is to go back to looking at traditional ACA-compliant health insurance, which was exactly what we wanted to avoid. Do not waste your time looking at MCS. You will only waste your time, money, and your faith in humanity.

    • Sean Parnell says:

      Very sorry to hear about your experience, though based on what I’ve seen of MCS I can’t say I’m surprised. Depending on the nature of the injury the “pre-existing condition” thing may not be a problem – most people only break their wrist once, for example. But it would be something to check out.

      • Jessica McKinney says:

        Any complaint against MCS should be filed with the IRS. They are 501c3, Non-profit charity. You can go to and obtain and 13909 Complaint Form. I highly suggest doing so.

      • Duane Krohn says:

        MCS did the same thing to me as they did with Jenna. All is well as long as they can collect their higher than most Christian based service fees. But as soon as you need them to pay a bill they claim your need is based on a pre-existing condition and then you get the termination letter. These guys are not the type of Christians that I want to be any part of. I would suggest a class action suit be started against them but the way they wrote up their documents I believe it would just be a waste of some more money. I can only hope that my comments and those made by others will save a few folks from wasting their time and money with MCS. I have since signed up with Liberty Health Share another Christian based cost sharing provider, I have yet to need them but they have taken very good care of my daughter and grand-daughter’s bills. I do highly recommend them.

  6. Marji Hartman says:

    Sean – Thank you so much for this information. I am currently shopping for health insurance and considering joining a medical cost sharing plan. MCS was on my list of companies to explore but after reading this, I am reconsidering. You may have saved me from a very costly mistake. Thanks again!

  7. Nancy says:

    Jenna same just happened to us very frustrating and when talking to Jessica on the phones she repeatedly accused me of lying addresss changed no notification of that finally got a fax number pretty upset

  8. JoAnn Huber says:

    2017 will be our first time in our 31 years of marriage that we are not covered by an employer’s health plan, so I am researching alternatives. Can you tell me the relationship between Liberty Healthshare, Altrua and Solidarity Healthshare? I am baffled by the fact that all are affiliated with Gospel Light Mennonite Medical Aide Plan. I realize that the affiliation is because GLMMAP was established before 1999, but how can all these healthsharing ministries be legally/ethically all associated with GLMMAP. Thank you.

  9. BOB Halstead says:

    Any other comments or experiences regarding MCS “medical Cost Sharing” INC.
    would be appreciated

  10. Rachel says:

    Liberty HealthShare and Solidarity are both listed as the same address on their websites, and so far I haven’t received a response from them about how they differ. I also stumbled across another one called Liberty Direct, which seemed to be affiliated through Liberty HealthShare but only offered the top plan at the same pricing. I did ask them about how they were different, and they said that they offered everything the same as Liberty HealthShare plus more for the same price, but I could only get this plan by signing up through the Liberty Direct website. This all sounds very fishy to me. At first I was excited to hear about plans like these because I thought they might work very well for me and my family, but now that I’m digging more into it I’m not sure what to think. Do you know anything about how these three could be related?

    • Sean Parnell says:

      Both Liberty and Solidarity are affiliated with a Mennonite ministry that has existed for quite some time, think of them as the “home” ministry. I can’t really speak to any appreciable way in which they differ, but you might try going to their Facebook pages and commenting/asking a question. For what its worth, I don’t find this “fishy,” this sort of thing is fairly common in a number of industries. Telemedicine for example often is “rebranded” off of a single platform by others who package it with their own add-ons and unique features. Hope this helps!

  11. Steph says:

    Often young healthy people between 20-40 years old develop MS. They may never have had a medical problem before, then they end up paying $50K a year for medicines. How can this be managed?

    • Sean Parnell says:

      Assuming we’re talking about managing the finances, this is an excellent question. This is why I encourage everyone, including the young and healthy, to have some form of coverage for high-cost medical events. I’m obviously partial to sharing ministries, critical illness/accident policies, short-term insurance, and other non-conventional options, but the important thing is to have something for just such an event. Oh, and most drug manufacturers have free/discount drug programs for people who aren’t insured or are low income, so those are fallbacks (but not particularly good ones, at least compared to having some form of coverage).

  12. Barry Peckham says:

    Sean, you seem very knowledgeable about the alternatives in the medical cost sharing area. My wife is 62 and is about to lose her health insurance. The provider is no longer going to offer individual plans in Texas. Her options through Obamacare or other private insurance carriers all carry $900+ premiums with $5k – $6k+ deductibles. So we’ve started looking at the various Christian cost sharing plans.

    Where can I go to get an independent comparison of the plans? Each makes lots of claims that they’re the best; I’d like a Consumer Reports-like comparison

    • Sean Parnell says:

      Don’t know of a “Consumer Reports” comparison, with the exception of MCSI, I’d say they’re all pretty good, it’s just a matter of picking the one that best suits your needs, finances, tolerance for risk, etc. Hope this helps!

      • Barry Peckham says:

        Didn’t think there was an independent comparison, but wanted to be sure. I’ve narrowed a choice to Samaritan, Medishare and Liberty. It seems that Samaritan has the most positive reviews (or fewest bad reviews), though it’s model of sending money directly to other members is a bigger “change” than the others.

        Does that all sound accurate?

        • Sean Parnell says:

          Those are all good programs, and Samaritan does indeed have many, many positive reviews, tho I’m not sure anybody has ever quantified who has more (or at a certain point, how much that matters – 20 good reviews vs. 2 good reviews probably matters, 700 vs. 500, I’m thinking doesn’t. Totally random numbers just to illustrate the point, btw). When I chose my plan I considered how frequently I expected to go to the doctor, what additional tools were available (price negotiation, etc.), cost of membership, those sorts of things. I’m not going to say you can’t go wrong picking one over the other, nor will I say they’re all the same (they obviously are not), but with the exception of MCS, I think they all provide great value for their members and I think you’ll probably be happy with whomever you choose.

  13. Heather says:

    Wish I had done a bit more research. I ‘enrolled’ online on 11/17/16 and since, have sent numerous emails to MCS, and have called as well, not reaching anyone and not receiving any sort of email or notification from them since that date. I finally emailed today asking them to un-enroll me, if I ever was ‘enrolled’.

  14. CD says:

    Are these the same companies using different names? “Medical Cost Sharing Inc., vs. “Medical Cost Share” or have they merged with Liberty Share? The name is “share” vs. “sharing”. It’s not the same website. Didn’t know for sure which was which since Liberty has a different website. Wanted to stear clear of Medical Cost Sharing Inc. Thanks for your work, our BCBS prem. are going up 70% to $1270 for two healthy people w/ ded. of $6500.

  15. Marilyn says:

    As has been mentioned before I joined MCS in October 2015. I developed a problem with my thumb that required surgery. I had contacted them several weeks before surgery to see what they needed for pre-approval. As the surgery date was approaching and I still had not heard from them I began making calls, all of which went to voice mail. After a couple of weeks I finally received a call back from them stating they were still waiting on records (this was 8 days before scheduled surgery). On Friday (surgery was scheduled for Tuesday) I finally received a call stating they were denying coverage due to it being a pre-existing condition. It was not something that had ever been evaluated until 2016. They have never paid on any bills that I submitted, and have never communicated with my why nothing was paid. Then when checking my credit card statement to the account that they had been charging each month they stopped in October. I am assuming they dropped my coverage even though I have had no communication from them and have tried several times to call to discuss the matter (I am always sent to voice mail). My charges for the diagnosis and treatment of this problem were over $75,000 (which I had received a 50% discount from the surgery center and the surgeon). That was not money that I had sitting around and had to take a loan out to cover the expenses. I know it’s not insurance, but expected that at least part of the expenses would be shared. I was very disappointed that a supposedly Christian organization would handle things in such an un-Christlike manner.

    • Jessica McKinney says:

      I so apologize for any issue you have had with them. They are a non- profit organization, I suggest any complaint be filed with the IRS. They have strict practice guidelines outlined by the IRS for their type of “Business Operations” If you go to there is form called a 13909, I highly suggest filling one out.

      Best of luck and Happy Holidays!

  16. Jessica McKinney says: Anyone with Compliant can file this form with the IRS, could be very helpful for some in certain situations.

  17. Dennis says:

    Sean – thank you for providing this information. I will likely sign up for one of these healthcare plans but now see there are more things I should consider. Due to my circumstances I absolutely will rule out MCS. Whew! Thanks again for the info.

  18. Anne says:

    DO NOT SIGN UP WITH MCS MEDICAL COST SHARING – I have had a horrible experience with MCS, very similar to the unfortunate people who have already shared in these comments, I am too upset and tired to go into detail, but they also took our money, did not cover legitimate claims and terminated us for bogus reasons, will share ore of the story soon but please, BEWARE OF MCS – THIS ORGANIZATION IS NOT TO BE TRUSTED.

    • Jessica McKinney says:

      I am so sorry about your trouble with Medical Cost Sharing, You can file a complaint with the IRS. They are a 501c3 Charity organization and have very strict operating guidelines. I highly suggest filing a complaint. Good Luck!

  19. Nicole Sayre says:

    Sean – My son and I are going with Liberty Health sharing, first experience ever with this and what my husband and I intended to do was reactivate our old HSA account, transfer money, monthly into it from our personal checking account – and pay our out of pocket expenses thru it.

    I’ve been researching and came across on Liberty’s website that HSA’s can’t be used. We were looking at this HSA as more of a savings account to use just for medical self pay. The money that will go into it will be what we put into it after my husband get’s paid monthly, it’s not money deposited directly from employer.

    I’ve called the bank, my State farm agent and nobody can really give me an answer as to why we can’t use it – can you help? The bank gave me irs website and told me to read publication 502.

    • Sean Parnell says:

      Unfortunately, an HSA can only have new money deposited into it if you have a high-deductible health insurance plan. So if there’s money in there from before, you can still use it, but no new deposits are allowed. Dumb law IMHO, but that is indeed what the law says.

  20. Al says:

    I appreciate the information you are providing here. I was not able to find complete information on the MCS website, particularly concerning their definition of Pre-existing Conditions, so I called and left a message. I did not receive a response, so I called again after a couple of days and left another message.

    I started reading your blog after leaving the last message…..wish I had read it a couple weeks ago, as it would have saved me some time.

    I had an uncomfortable feeling about this group. They really don’t offer much detail, which leaves a lot of room for their interpretations later on down the road. How MCS can offer the ROC and stay in business does not make sense to me, and their answer to ACA penalties seems really hollow.

    I did finally get a call back, but don’t believe I can put any trust in MCS, so I will continue to look at the other sharing ministries.

  21. RJP says:


    Just came across your blog while trying to choose a ministry. I started researching this a couple years ago but am about to sign up now. (By the way, THANKS for the great article!) Wanted to drop you a note that it seems you’re now up to *7* (obviously NOT including MCS Inc.)…are these all ACA-qualified?

    • Sean Parnell says:

      Yep, 7 (not including Medical Cost Sharing, Inc.)! Will be interesting to see if they continue to grow, I don’t know what the new administration and Congress will do but it seems likely to have some impact, for better or worse I don’t know.

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  23. Deborah Hall says:

    Thank you for this information. Wasn’t really looking at MCS but this information will make me research others better before I choose.
    Thanks again!

  24. Jane West says:

    Thank you so much Sean Parnell! I’m looking into health care sharing ministries – for two reasons: a.) a way to worship God/Jesus in a “service to the saints” kind of way; b.) cost.

    Thank you for your time!

  25. Trena says:

    Has anyone heard of Christian Healthcare Ministries

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