Medi-Share is a program that offers affordable healthcare by allowing members to contribute to the medical expenses of other members. The Commonwealth of Kentucky sued Medi-Share, American Evangelistic Association, and the Christian Care Ministry for unauthorized sale of insurance. The lower court ruled that Medi-Share is not insurance because it does not shift the risk of incurring medical charges from its members to itself. The Court of Appeals affirmed the lower court ruling regarding the lack of risk shifting, but two of the three judges on the panel believed that Medi-Share did not qualify for the Religious Publication Exemption. The Supreme Court of Kentucky reversed the decision of the Court of Appeals and remanded the case to the trial court.
Commonwealth v. Reinhold (2010)
Supreme Court of Kentucky
325 S.W.3d 272
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