Ohio has taken a major step forward in supporting community-based health care solutions.  The Ohio House of Representatives has passed the Health Care Sharing Ministries “Freedom to Share Act,” a bill designed to clarify and expand state-level support for Health Care Sharing. 

Although the bill is not yet law, its passage through the House is an important milestone. The legislation now moves to the Ohio Senate, where it will continue through the approval process.

This development signals growing recognition of Health Care Sharing as a meaningful, affordable option for individuals, families, and small businesses especially as insurance premiums continue to rise nationwide.

The Act is designed to formally acknowledge and support health-care-sharing ministries within Ohio state law. While health-care sharing is not insurance, it has become a widely used approach for individuals looking for an affordable solution to manage medical costs.

By recognizing these programs, the state of Ohio is giving residents greater clarity and confidence when choosing alternative health care options.

If signed into law, the Freedom to Share Act would create several key benefits for Ohio residents who participate in Health Care Sharing:

1. Formal Recognition of Health Care Sharing

The legislation clearly defines and recognizes Health Care Sharing Ministries within Ohio law. This helps reduce confusion and confirms that HCSMs are a legitimate, compliant alternative to traditional health insurance.

2. Tax Benefits

The Act includes provisions allowing qualifying members of health-care-sharing ministries to receive state income tax deductions.

3. Expanded Flexibility for Students

The proposed law would allow college and university students in Ohio to use a Health Care Sharing membership to meet certain school health coverage requirements. This expands flexibility for students who want affordable options outside of high-cost student insurance plans.

4. Increased Awareness and Education

The Act supports broader public awareness of the health-care-sharing model. For many who are exploring alternatives due to cost, network limits, or personal preferences, this legislation helps bring clarity and legitimacy to options like MPB Health.

For MPB Health members in Ohio, whether active, inactive, or prospective, this legislation reinforces the value of the community-based sharing model. State recognition improves public understanding and helps more residents feel confident exploring non-insurance solutions.

MPB Health members have access to:

• $0 unlimited 24/7/365 virtual urgent care
• $0 unlimited virtual primary care
• $0 unlimited virtual behavioral health*
• $0 unlimited 24/7/365 pet telehealth
• A membership-based, community-centered medical cost-sharing model.

As Ohio expands support for health-care sharing, MPB Health is prepared to continue offering accessible, meaningful, and flexible services to residents across the state.

Disclaimer:

MPB Health is not an insurance company and does not provide insurance coverage. MPB Health provides membership services that give members access to Health Share Programs which facilitate the sharing of medical expenses among members.