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"The rise of nontraditional health coverage in the U.S."

Uninsured by Design: The risks behind the rise in alternative health plans

As traditional insurance becomes increasingly unaffordable, many Americans are turning to alternative health coverage like short-term plans, farm bureau offerings, healthcare sharing ministries, and revamped self-funded employer plans. This Healthcare Brew series investigates the benefits, trade-offs, and regulatory gaps of these nontraditional options. While they promise affordability and flexibility, many leave consumers underprotected—often by design. Learn who’s most affected, what’s driving the trend, and where the system might be headed.

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