Assertion Partly supported AI assessment confidence: 85% certainty 4/5 debate potential 2/5

Chapman: Christian healthcare sharing programs offer exemption from ACA tax penalties

Michael Chapman · EP 460: One Man Agency Does $500k Recommending Health Plans with Michael Chapman · Oct 27, 2016 · at 9:30

Michael Chapman was not on this episode. A recording of them was played into it, so these are their words but not an appearance on Top Founders. It still counts as said, and it is kept out of every score on their page.

Healthcare consultant Mike Chapman details alternative coverage options for entrepreneurs facing high rates on ACA exchanges.

0:00 / 0:19exact quote · 19.4s

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“There's five of them that Have been exempted by center for Medicare services and would keep anybody that becomes a member from being penalized from taxes, but still gives people to gives people access to a wide Network of doctors and hospitals across the country.”

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The claim, plainly

Five Christian healthcare sharing programs have been granted exemptions by the Centers for Medicare & Medicaid Services, exempting members from ACA individual mandate tax penalties.

a quote alone can be ambiguous, so this restates it with the references and context of the conversation around it resolved. AI-written; the tape below the player is the source.

Assessment

As spoken on October 27, 2016, the claim accurately describes the consumer market for open-enrollment Christian healthcare sharing ministries (HCSMs), but understates the total number of exemptions granted by federal regulators. Department of Health and Human Services (HHS) and Centers for Medicare & Medicaid Services (CMS) records show that over 100 faith-based cost-sharing entities (104 to 107 total) were recognized as exempt under 26 U.S.C. § 5000A(d)(2)(B). However, the vast majority (97) were closed, localized Mennonite and Old German Baptist Brethren congregational groups. Exactly five nationwide, open-enrollment Christian healthcare sharing ministries (Medi-Share, Christian Healthcare Ministries, Samaritan Ministries International, Liberty HealthShare, and Altrua HealthShare) held CMS/HHS determination letters and qualified members for the individual shared responsibility tax penalty exemption.

HHS/CMS recognized a total of 104 to 107 Health Care Sharing Ministries under ACA statutory rules, of which 97 were closed church associations.
Exactly five nationwide, open-enrollment Christian healthcare sharing ministries (Medi-Share, Christian Healthcare Ministries, Samaritan Ministries, Liberty HealthShare, and Altrua HealthShare) met statutory ACA criteria and held CMS/HHS exemption recognition as of October 2016.

Checked against

[1] cornell.edu [2] georgetown.edu [3] dpcfrontier.com [4] healthcaredive.com [5] healthinsurance.org [6] southerncalifornialawreview.com [7] dpcfrontier.com [8] dpcfrontier.com

"Health Care Sharing Ministries" CMS "Altrua" "Medi-Share" "Samaritan" "Christian Healthcare Ministries" "Liberty" HHS CMS list of healthcare sharing ministries exempt ACA health care sharing ministries CMS exemption 2016 healthcare sharing ministries CMS exemption list ACA 2016 "five health care sharing ministries" CMS ACA mandate Christian healthcare sharing ministries CMS recognized exempt ACA individual mandate five

assessed as of 2026-09-02

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Mentioned

center for Medicare services Christian healthcare sharing programs

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