Can You Legally Opt Out of Obamacare?

What if I told you there was a way you could legally sidestep Obamacare?

Better yet, what if I told you there were THREE ways?

Keep reading.

I’ve spoken with many ILN members who have insurance through Obamacare and they all tell me a version of the same thing….

“Where is the affordable part of Obama’s Affordable Care Act?”

One young father of four I know has to pay over $700 for the lowest level plan. It’s a shame to see so many hard working Americans struggle each month just to cover their health premiums.

That doesn’t even count the deductible or the “unallowable” costs that many insurance companies exclude.

If you thought medical expenses were driving people into the poor house before … well, you ain’t seen nothing yet.

If you’re facing serious medical problems, you need real alternatives to the budget-draining, frustrating, often ineffective “solutions” offered by Obamacare. Otherwise you’re facing a life of barely scraping by financially. Not to mention spending your days in poor health.

Today I want to share three solutions with you.

1. Healthcare sharing arrangements set up by religious groups are one of the only legal ways to opt out of Obamacare. They are not for everyone. You to affiliate with a church or religious group to qualify. And not just any church. One that holds a religious objection to conventional insurance coverage. Otherwise you won’t be eligible.

Healthcare sharing ministries enable members to band together to share costs and spread out risk. In that sense, it’s similar to insurance. But healthcare sharing programs are structured much differently. They are by and for their members, and as such they are more sensitive to the needs of members.

The cooperative nature of health sharing ministries gives them advantages over top-down, bureaucratic Obamacare insurance plans. There are some disadvantages, though. You may not be covered for certain conditions. And costs can jump if medical bills among members rise more than anticipated.

2. Concierge Medicine: Not holding approved insurance will result in a tax penalty. But one option is to purchase the bare minimum under Obamacare to keep your costs low. Then turn to concierge medicine for your care. You’ll get better care and likely have lower out-of-pocket costs over the long term because of it. And you’ll enjoy a better quality of life.

I also advise calculating your penalty if you don’t carry insurance. Compare that to the premiums you’ll pay if you do. It may be financially more beneficial to pay the penalties, and to turn to other resources—like concierge medicine—than it is to pay the outlandish premiums under Obamacare.

3. Obamacare Exemptions: Did you know there are exemptions for Obamacare. These can get you out of the cost of paying premiums without having to pay a penalty come tax time. Before using this option, make sure you have a plan to cover any medical expenses that come up. You could use savings. Or credit. Or take advantage of medical tourism options.

You can find a variety of legal exemptions here. And a further list of “hardship” exemptions here.