Health insurance application Health care sharing ministries advertise lower costs and more flexibility than traditional plans, but there’s a reason the groups are careful to say they are not insurance. (Photo: iStock)

Even proponents of the Affordable Care Act (ACA) concede that American consumers have continued to struggle with high health care prices in the 10 years since the act’s passage. Those on the individual market who earn too much to qualify for ACA subsidies report being challenged by costs, and even members of employer-based group plans can be hit with high deductibles and copays.

The gap in what is truly affordable has created an opportunity for alternative types of health coverage to be marketed. Despite warnings from consumer advocates, both industry players and the Trump Administration have promoted solutions that can be limited at best—and totally fail to protect sick Americans at worst.

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