Jennifer Herod wrote: We recently joined a Medical Share CO-OP. I pay an annual membership fee $200 to help cover administrative expenses, and roughly $400/mo. to individuals who need help with their medical bills. Every dime goes directly to the individual. Later, if I need help (treatment, not "oil" changes), then money is sent by members to me.
This is a huge improvement IMHO over $2000/mo. premiums for a family of four plus deductibles and copays.
Ours is a Christian organization with certain upfront expectations, but who knows what others exist. We chose Samaritan Ministries because we have been friends with them for over a decade, and are very pleased.