The Kentucky Department of Insurance has now received responses from two Christian health sharing companies under investigation for operating as illegal insurance companies. A state official this morning described the late responses as incomplete and said he would send follow-up questions early next week.
The two companies, Christian Healthcare Ministries and Samaritan Ministries, can't win a cat-and-mouse game with state insurance regulators. Changing Kentucky law to better follow our constitutional protection against arbitrary government power is the only way for this health insurance alternative to escape black market status in Kentucky.
Just letting these companies off the hook is no solution. In fact, doing so would only make the situation worse by increasing the sense of uncertainty in an environment with no fixed rules.
Christians should band together quickly to ensure Kentuckians have unfettered access to greater choices as ObamaCare destroys the more traditional ones. Non-Christians clearly have a stake in this too. They should push state government to restrict the definition of "insurance" in state law to better allow for the creation of a vibrant market in alternative financial products for them as well.
