In most states, open enrollment for the insurance marketplace began on November 1st and will end on December 15th. You have a little over a month to decide on the best health care coverage for you, so there’s still time, but you shouldn’t put it off. Here are some reasons why you should consider switching to a health care sharing plan.

1. With traditional insurance, you must sign up within a very tight window.

There’s a month and a half period where consumers can purchase insurance. To sign up or change outside of open enrollment, you must qualify for a special enrollment period—such as getting a new job, getting married, etc. If you simply forgot to sign up or discover you don’t like your plan after all, then you have to wait a whole year.

With health care sharing ministries, consumers can enroll or switch any time during the year. It’s that simple.

2. Health care sharing ministries are not insurance.

Health care ministries are nonprofit organizations that facilitate the sharing of medical expenses between members. In this health care model, the bureaucracy of insurance is eliminated completely.

Admit it, how many times have you wished the insurance company didn’t have the final say in what is and isn’t covered based solely on numbers? Health care sharing ministries are more personal, offer more autonomy, and give members access to a wider range of providers.

3. The number one reason why more than one million people have already switched: Affordability!

To qualify for a government subsidy to help cover insurance costs, you must have a yearly income less than $47,000 for an individual and $97,000 for a family of four. If you don’t qualify for a subsidy, there’s a good chance you’re struggling to pay high premiums.

Switching to a health share plan cost save you up to half of what you’re paying now. For example, under a health care sharing plan, families pay an average of $300 – $500 a month depending on ministry and plan.

Don’t wait! Talk to one of our Personal Benefits Managers to learn more about your options.