Overview

Not Insurance
CareXchange is not an insurance company. Unlike health insurance—where premiums are paid and legal responsibility for risk is transferred—health care sharing is a voluntary arrangement where members assist each other with medical expenses out of mutual compassion, not legal obligation. Participation is voluntary with no guarantee of sharing. Each member remains legally responsible for their medical bills even if not shared.

Membership and Costs
There are no premiums, policies, or contracts. Members retain control of their money and send their monthly share amount which is directed to other members with qualified medical needs. Membership continues as long as member responsibilities are met, and new members can join anytime.

Medical Needs and Sharing
Members submit proof of medical and holistic expenses, which are reviewed according to ministry guidelines. Qualified needs are then shared among members. Each member is responsible for their own initial expenses before sharing begins.

Operations and Financial Integrity
Most shared amounts go directly to member needs, though some are used to cover administrative costs. Finances are audited annually by an independent firm to ensure transparency and accountability. If all needs cannot be met, a prorating method distributes funds fairly among members.

Freedom, Legality, and Additional Options
CareXchange ministries is a recognized 501(c)(3) nonprofit religious organization operating legally in all U.S. states and territories. Members may choose any certified medical/holistic provider without network restrictions.