The Amish don't buy insurance — no health, fire, or auto. Their insurance is the community.
How It Works
Barn burns — barn raising next week, community builds new one. Someone falls ill — community pays treatment. Breadwinner dies — community supports widow and children. No bureaucracy, no denials, no fine print.
Healthcare
The Amish pay cash for medicine. Many hospitals give 30–50% discount for immediate cash payment (no insurance paperwork). Large bills (surgery) — community collects funds. Internal funds exist (Amish Aid).
Why It Works
Small community (300–500 families) knows everyone. Fraud is impossible — everyone sees. Community pressure promotes healthy living — fewer illnesses. The Amish are statistically healthier than average Americans.
Economics
Average US family spends $22,000/year on insurance (health + auto + home). Amish — $0 insurance + $2,000–5,000/year to community fund. Difference — $17,000+/year.