Comment by ceejayoz

> Christians don't drink or use contraceptives?

They're talking about a very particular sort of pseudo-insurance plan.

https://en.wikipedia.org/wiki/Health_care_sharing_ministry

They can and do exclude whole swaths of what normal health insurers have to cover. They don't even have a legal requirement to pay out at all.

https://www.nbcnews.com/health/health-care/health-care-cost-...

> Beyond restricting maternity coverage, many groups’ policies state that they won’t reimburse for prescriptions, routine doctor’s visits, contraceptives or mental health or substance use services. Coverage for medical conditions that predate someone’s membership is often excluded, as well. And health care sharing ministries aren’t required by law to limit out-of-pocket costs or maintain large cash reserves to cover members’ bills the way insurance companies are.