Most families staring at a health insurance renewal ask, “How do we afford this?” A group of Cleveland community leaders asked a different question: “What if we took care of each other instead?”
That question became United Refuah HealthShare.
MYB viewers: apply with code MYB2026 for $100 off the application fee.
In this episode of Mind Your Business with Yitzchok Saftlas, Rabbi Moishe Katz, CEO of United Refuah HealthShare, sits for an hour of pointed questions about the first and only Jewish healthcare sharing ministry in America. Yitzchok says it up front: at a fraction of the cost of traditional coverage, it sounds too good to be true. So he asks accordingly.
Rabbi Katz walks through the numbers line by line for a single member, a couple, and a family. He explains what happens in a month when medical needs exceed contributions, and what the organization does if that ever becomes a trend. He is direct about pre-existing condition limitations, including the ones that never phase out, and about the kind of applicant United Refuah cannot accept. He names, on camera, the type of person this model is wrong for.
One of the most striking moments has nothing to do with sharing guidelines. A member facing a six-figure medical bill was shown how to engage the provider directly. Two phone calls. Twenty thousand dollars off each one. Another member walked back into her surgeon’s office and asked for a discount on a $30,000 procedure. She got $8,000 in about five seconds.
For business owners weighing what health coverage is costing their team, for families carrying the expense themselves, and for anyone who has read the words “not insurance” and closed the browser tab, this hour is worth the time.
IN THIS EPISODE, YOU’LL LEARN:
– Why the government permits healthcare sharing only within a religious framework, and what that means in practice
– How a ShareFund works, and why every dollar is traced from one member to another
– What a single, a couple, and a family are actually responsible for before 100% sharing begins
– How much room there really is to negotiate medical bills, and what it can save a family
– What is shared and what isn’t, including prescriptions, mental health, therapies, dental, and maternity
– How pre-existing conditions phase in over four years, and why full disclosure on the application matters more than people think
– Why an employer might hand employees the difference in cash instead of a health plan
FEATURING:
Rabbi Moishe Katz, CEO, United Refuah HealthShare
Apply: https://unitedrefuahhs.org/apply-now/
Website: https://unitedrefuahhs.org
Phone: (440) 772-0700, extension 1 for general information, extension 2 for current members
MYB2026: Mind Your Business viewers get $100 off the $125 application fee. Code must be entered at the time of application. New memberships only, no add-ons. Valid through December 31, 2026.
United Refuah HealthShare is not an insurance company and does not offer insurance. It is a nonprofit healthcare sharing ministry in which members share one another’s eligible medical expenses. Contribution amounts, sharing guidelines, and program details discussed in this episode reflect the program as of summer 2026 and are subject to change. Nothing in this episode is insurance, tax, or medical advice.
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About the Channel
Mind Your Business with Yitzchok Saftlas features thoughtful discussions with executives, entrepreneurs, nonprofit leaders, and changemakers. Hosted by Yitzchok Saftlas, CEO of Bottom Line Marketing Group, the show dives into leadership, marketing, fundraising, and organizational growth through real stories and practical insights.
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Yitzchok Saftlas is the founder and president of Bottom Line Marketing Group, an award-winning marketing agency helping hundreds of corporate, political and non-profit clients since 1992. Yitzchok’s new book: “So, What’s the Bottom Line?” published by Morgan James, contains timeless advice for marketers, seasoned executives and entrepreneurs. He is the host of the weekly business radio show, “Mind Your Business” on 77WABC in the New York / New Jersey metro area as well as on C-Suite TV and C-Suite Radio. Additionally, Yitzchok is a featured columnist in the Yated newspaper and Mishpacha Magazine, both international weekly publications.
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