COcheesehead
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
What you could do is save like crazy into 401k/HSA/Roth, etc. Use CHM Gold plan at $162 per month to "share" most health expenses with your savings as a backup. Now you've self-insured the bits and pieces that the ministry plan won't share without paying out the a**. Ministry plans have no networks so no surprise bills.
Also, for any expense that is not share-able, CHM has the Prayer Page where members voluntarily chip in to pay your remaining bills. Every month, the 400,000 members collectively contribute millions of dollars to pay the remaining bills of other members. The amount wobbles over time but typically a contribution of $11 per month pays off any expenses that aren't shareable under the main CHM plans.
So basically a religious based Go Fund Me with your retirement savings as your backup. This is what you want for your healthcare? House of cards. You buy insurance for what you can’t or do not want to pay for. You don’t put the rest of your financial future on the line because of a medical issue.