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Uninsured by design: The rise of nontraditional health coverage in the US

A medical cross in a field of blue

Alternative insurance models are becoming increasingly popular as individuals and employers look for more affordable and flexible options beyond traditional health plans. Healthcare Brew examines a variety of these nontraditional solutions—including short-term health plans, farm bureau health plans, healthcare sharing arrangements, and innovations in self-funded employer plans—highlighting their benefits, risks, and legal complexities.

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  • The significant trade-offs and regulatory concerns that come with these alternatives
  • How alternative models aim to reduce costs and increase flexibility
  • How these plans can bypass standard insurance regulations
  • New strategies in self-funded employer plans offer additional cost-saving potential