"Healthcare sharing ministries claim an exemption from federal and state insurance laws, so there's no guarantee that the organization maintains funds sufficient to pay claims and certainly no guarantee that they will, even if the funds are there,” Volk told Forbes. “There are no solvency requirements, no requirement to pay members in a timely way - no requirement to pay at all. It really is just a matter of faith that claims will be paid, though the marketing typically suggests otherwise."