Christian health insurance strives to reduce excess demand for health care services and also costs to members by the medical providers and doctors. These Christian health insurance companies accept and share medical care provisions only with members who profess Jesus Christ as Lord and live biblical lifestyles described in their mission and guidelines. They work on improving members’ knowledge of healthful living and to get them to rethink health-related decisions.

Companies providing such a program are neither medical care providers nor insurance carriers. Christian health insurance coverage is an alternative designed by companies who provide an option for Christians to receive care without the high costs that are caused by lifestyles not accepted by the church.

Membership to these companies is limited only to those who are not extremely overweight, do not use tobacco products, do not use and abuse alcohol and other drugs, or do not engage in high-risk sexual activities.

The Christian health insurance is thus able to file claims for fewer medical bills.

For a follower of Christ, who has no job and needs help, Christian health insurances coverage can provide the best options. While it is a very popular alternative, it has some strict guidelines that must be followed for approval and continued coverage.

These companies claim that their membership as compared to the national population is much healthier. Further that Christians taking their healthcare alternative are saving lots of money. They say that besides enjoying a blessing of lower cost and more inclusive coverage, there is a blessing in helping others and peace of mind knowing that your brothers and sisters in Christ will be there for one another. Strict limits are imposed on treatment, with restrictions that would be illegal under conventional insurance regulations.

Christian health insurance companies have both economic and religious goals. Their plans are especially attractive to those who need more affordable health insurance coverage.

Much of their characteristics are similar to most other insurance companies, like deductibles, an advisory board, negotiating discounts from hospitals and a requirement that non-emergency treatment be approved. Their concept is to mediate a voluntary arrangement between people who share the same values in sharing medical expenses according to rules that fulfill the New Testament verse that Christians “Bear ye one another’s burdens, and so fulfill the law of Christ.” (Galatians 6:2)