AG Bonta issued a consumer alert reminding Californians about sham health insurance plans offered by some health care sharing ministries. Historically, HCSMs were composed of members of a particular religious community who contributed money to share catastrophic or unexpected healthcare costs. Due to congressional Republicans’ decision to allow the Affordable Care Act’s enhanced premium subsidies to expire on December 31, 2025, health insurance premiums have soared for many Americans, and millions have lost their coverage as a result. Some HCSMs may use this as an opportunity to misleadingly advertise HCSM plans as affordable alternatives to comprehensive ACA-compliant healthcare coverage. But Californians should be aware that HCSMs won’t cover preexisting conditions or guarantee coverage for medical costs or services.

“Health care sharing ministries do not provide the same protections as Covered California plans, and that difference can matter the most in times of medical need. Without comprehensive health insurance, an unexpected illness or serious accident could leave you responsible for substantial medical bills. Even as congressional Republicans and the Trump Administration continue to undermine the Affordable Care Act, Covered California plans can still provide affordable, quality health insurance options, giving Californians access to the coverage they deserve.” -AG Bonta