We decided to not deal with traditional health care providers so we went with https://samaritanministries.org/
Which sharing plan did you choose? Did you have enough savings to cover your medical costs during the 60 - 90 day waiting period. How do you pay for the exclusions such as pre-existing conditions, including diabetes? How's the non-sharable amount (deduction) for each condition of $300 - $1,500 depending on your plan choice, working out? If for example you unfortunately had 5 different conditions in a year, it looks like you would be out somewhere between $1,500 and $7,500 not counting the 10% co-pay. Most doctor office visits never reach the level of those out-of-pocket costs.
Note: the examples above are for each member enrolled.
Assuming it's just you and your wife who are members (no additional dependants) your monthly cost (premiums) is either $280 - $440. Not bad until you see what it does and doesn't cover. At least you get the addition of sharing prayers with other members.
All in all, it is an interesting concept. Hope it works out well for you and your wife.
You must have lied about your use of HRT, etc., since I doubt these are allowed under their membership guidelines and would disqualify you from membership.
When you reach the qualifying age for Medicare, your monthly costs will be reduced and your benefits will be better. Let's hope that it is still around by then.
