About this episode
Economic forecasters expect U.S. growth in 2026 to settle between 1.5% and 2%—sluggish, but not recessionary. Still, analysts warn that if inflation reignites or global trade pressures intensify, a mild downturn is possible. For many households, this uncertainty fuels anxiety—especially around rising health-care costs.On today’s program, Lauren Gajdek, Senior Director of External Affairs at Christian Healthcare Ministries (CHM), joins us to offer practical guidance for navigating health-care expenses in a slow-growth, high-uncertainty environment.Lauren notes that beyond slower GDP projections, unemployment remains elevated at 4.4% and inflation has yet to return to the Federal Reserve’s 2% target. That combination creates financial pressure for both working families and retirees. If someone loses their job—and, with it, employer-provided health coverage—Lauren explains the options: COBRA allows continuation of benefits, but the individual must pay the full premium, which is extremely costly. Marketplace plans on Healthcare.gov also carry high premiums and, increasingly, high out-of-pocket maximums. For many families, the total annual exposure can exceed $20,000.That’s why Lauren highlights an alternative that more Christians are turning to: health-care sharing ministries. CHM—founded on the biblical principle of bearing one another’s burdens (Galatians 6:2)—is not insurance. Instead, members remain legally responsible for their medical bills, and CHM facilitates the sharing of eligible expenses among members.To help listeners understand the model, Lauren outlines how cost sharing works in practice. Members pay a monthly amount based on the program level and family size. For example, CHM’s Gold program is priced at $299 per “unit,” where each adult is a unit and all dependent children together count as one additional unit—making it particularly advantageous for families. CHM also offers Silver, Bronze, and SeniorShare options, allowing households to tailor participation to their needs and budgets.When medical needs arise—an emergency-room visit, for example—the member pays their defined personal responsibility amount, and CHM shares the remaining eligible expenses. Related follow-up care from the same incident can also be submitted for reimbursement.As
