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Charity | Health care sharing ministries seem to work, if they can survive | Warren Cole Smith, Rusty Leonard

Gary O'Brien/The Charlotte Observer/AP

President Obama says he's looking for creative, "outside-the-box" thinking on health care. But the reform plans that have the greatest likelihood of passing put at risk a Christian alternative to insurance that is now being used by more than 100,000 people in the United States.

James Lansberry is vice president of Samaritan Ministries, the largest of the "health care sharing ministries" whose members pay for each other's health care costs. His organization's members pay for about $3 million in expenses a month. Payments vary, but a three- (or more) member family pays $285 per month directly to another family with a current need. Samaritan Ministries keeps track of who's paying and who needs to be paid, and the ministry receives $170 per year from each family for serving as the clearinghouse.