"Here's how it works: To join Medi-Share, members must pledge their Christian faith and promise not to drink, take drugs, or have sex outside of a traditional marriage. A reference from a minister may also be requested.Certain pre-existing conditions render applicants ineligible, while chronic issues such as obesity sometimes lead to acceptance into the program contingent on undergoing wellness counseling. "The coverage doesn't include products of 'un-Biblical lifestyles,' such as contraception or substance rehab, or some preventive medicine, including colonoscopies and annual mammograms. Those policies lead to lower costs for all members, Meggs said."When you have a medical bill, you submit it to the organization. If it meets the eligibility requirements and your annual medical expenses have exceeded the threshold in the plan you signed up for, the bill is 'shared'—that is, covered."The catch is that this is technically not "insurance," because Medi-Share is not legally required to cover anything. It will pay for your care if it has enough money in the till, but if the money isn't there, your only appeal is to the Big Guy himself. Of course, you might say that the same is true of regular insurance, so the only difference here is that there is no government regulator monitoring Medi-Share to ensure its solvency.