Opting-Out of Obama Care

The legislation known as the (not-affordable) Affordable Care Act or Obama Care, contains a provision called the ‘individual mandate’ requiring that every American purchase health insurance by law or or pay a penalty-tax (see 26 United States Code Section 5000A, (d) (2) (B)) imposed and collected by the IRS. The mandate also includes provisions which give over patient health information to Department of Homeland Security (DHS), a privacy violation yet unheard of in the medial establishment. Apart from the failure of the Affordable Care Act to make insurance more affordable and the many other privacy liberty issues which go beyond the scope of this article, millions of Americans are now asking the questions: Why are Obama and congress exempt from the mandates? If something is so good, why does it require force? And of course, is it possible for me to opt-out and how?

Contrary to common opinion, there is a little known exemption to the mandate. By enrolling in what is called a "health care sharing ministry" the requirement to purchase "health insurance," it is possible for the average person to opt-out. Although, technically it may seem you are still being required to purchase something similar to insurance, "bill-sharing-networks" are not subject to the privacy and liberty hostile requirements that insurance providers are bound by; making them ideal alternatives.

They work similar to insurance but are not "insurance" per se. They are called medical-bill-sharing-networks. People who like flexing their rights by opting out of airport naked body scanners, should be interested in joining.

"It's there because of the work of then-Congressmen Tom Perriello, a Virginia Democrat and Sens. Max Baucus, a Montana Democrat, and Republican Charles Grassley of Iowa, who fought to add the exemption to the law. It's the same principle that allowed for the Amish to be exempted from the individual mandate—with the crucial difference that it's a lot more practical to join Medi-Share than it is to become Amish" says CNBC's Zac Bissonnette.

According to Healthcare.gov, there are actually many other exemptions:

  • -People who can’t afford coverage (for 2014, people for which the premium for the lowest-priced coverage exceeds eight percent of their household income)
  • -People with household income so low they don’t have to file a federal income tax return
  • -People who are part of a federally recognized tribe
  • -People who are members of recognized certain religious sects that have religious objections to insurance, including Social Security and Medicare
  • -People who are in jail or prison
  • -People who aren’t a U.S. citizen or national
  • -People who are currently uninsured for less than three months of the year
  • -People who experience a hardship
    •       Being homeless or recently homeless
    •       Being a victim of domestic violence
    •       Having a close family member die recently
    •       Filing for bankruptcy in the past 6 months
  • But for the average American, the exemption which is most accessible is the exemption for people who are a member of a recognized health care sharing ministry.

Where can I find bill sharing networks?

Christian Health Care Ministries

Samaritan Ministries

Christian Care Medi-Share

Liberty HealthShare

How do I apply for an exemption?

To avoid IRS penalties, members enrolled in one of these four networks just fill out a form 8965Marketplace-Granted Coverage Exemptions for Individuals, and claim it on your tax return.

To learn how to qualify for any of the other exemptions, visit here.