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===Heath care sharing===
Non-profit health care sharing ministries agree to coordinate the exchange of funds, sometimes for a slight sign-up fee, but often for no cost other than each member paying their share.  When medical care is needed, members of such a network will usually pay out of pocket initially.  Then, they will notify he organization, which will arrange for other members to send their monthly shares to the people who have paid medical bills.  Each member who receives covered medical care will be reimbursed by other members of the network directly.<ref name="thehealthcoop.com">https://thehealthcoop.com/products-services/health-care-sharing</ref><br />
Each member is assigned a "share" (amount of money) they are to send each month, and when it is due, they are instructed on who to send it to and what it is needed for.  These payments never pass through the organization, but pass directly between members.<ref name="thehealthcoop.com"/><br />
Members of this system usually have more flexibility in what treatments they accept or refuse, and they can always choose their own care providers.  Most organizations also cover some preventive treatments, often more so than insurance companies.