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limited medical plans offer much lower lifetime caps and stricter restrictions on in-network doctors when compared to a major medical plan but offer much lower premiums as a result. In addition, limited medical plans do not require a qualifying life event to enroll and are therefore available to consumers year-round.
Indemnity plans are designed to provide financial support in the event of major health events such as hospital stays or surgery. Indemnity plans are designed to provide financial assistance in paying unexpected out of pocket medical costs.
Medical Healthshare programs are programs where a community shares the expenses of eligible medical expenses. Instead of paying healthcare premiums, program members will send in shares of money, which is analogous what a health insurance premium is anyways. These shares of money are used to pay the medical costs of all members. It is a form of risk pooling, and insurance at its’ core is also a form a risk pooling.