• Promote savings;
• Help avoid the overhead, waste, fraud and abuse associated with traditional insurance while providing faster payment to providers;
• Protect the doctor-patient relationship from interference, including failure to pay for experimental treatment;
• Promote healthy behavior while reducing moral hazard;
• Defend religious freedom with respect to payment for controversial products and procedures;
• Preserve privacy; and
• Affirm state and individual sovereignty with respect to healthcare.

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Legislative Activity

We are currently looking to secure passage of Texas HB2243, the dedicated personal insurer act. This bill allows individuals who save to self-insure and avoid individual mandate tax penalties. Contact your legislators to express your support.

Self-Insurance Resources

If you are currently self-insuring or looking to self-insure, we have sample plan documents that can help you form an employer plan as a self-employed individual if you attempt self-employment activity. By adapting the dedicated personal insurer act to your state, you can work with legislators to be able to self-insure without starting a business. Either approach will allow families to avoid mandate penalties through a savings-based approach.