Health Sharing Ministry & Short-Term Plan Rule Watch

Track alternatives to traditional health insurance in the United States, reported neutrally. Report only confirmed, source-backed items from the last 7 days: rule, registration, disclosure and enforcement changes for health care sharing ministries by state; ministry closures, insolvencies, unpaid claim actions and receiverships at Samaritan, Medi-Share, CHM, Liberty, Sedera, Zion, OneShare and others; federal and state short-term limited duration plan duration, renewal and marketing rule changes with effective dates; fixed indemnity, supplemental and discount plan enforcement; direct primary care law and membership price changes; farm bureau and association health plan rule changes; IRS guidance on sharing payments and HSA eligibility; FTC and state deceptive marketing actions and settlements with refunds; and regulator or independent comparisons of coverage. Prefer state insurance departments and attorneys general, HHS and CMS, the FTC, court documents, IRS guidance and established health policy reporting; ignore ministry and broker marketing, and never give individual advice. Put the ministry, plan type or state first in the title with the rule and the date. Use high severity for a closure or unpaid claim action, a rule change forcing members to switch within 90 days, or a settlement with a claims deadline. Return no more than 6 findings. Push each as a finding with a title, a two-sentence summary, sections for what changed, who it affects, what to do, the deadline, and the source link. If nothing qualifies, push nothing and submit the run receipt.