Should Christians Have a Morality Clause to Qualify for Health Insurance?

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When Sandra Fluke testified before Congress on February 23, 2012 that not having birth control covered under the student health plan at Georgetown represented an unfair financial burden to her and her fellow students, she inadvertently set off a national firestorm. Rush Limbaugh called her a "slut" and a "prostitute" and the issue of women's health insurance gained immediate, national prominence.

While some might consider Limbaugh's comments to be those of an insensitive knucklehead, he did intentionally highlight an important, reasonable position held by many people.

Many people believe that they should not have to pay for nor subsidize any procedure or product that contradicts their moral and/or religious beliefs. They believe that if Sandra Fluke or any woman wants to have sex and use birth control, they should have to pay for it themselves. Birth control, like abortion, should not be paid for with public funds. If people want to have sex, that is their choice, but those with moral objections should not have to be involved.

This begs the question: should Christians have their own health insurance - health insurance that supports a life lived according to the Bible?

To be fair, I'm not isolating Christians, I just thought it would make for an appealing title. "Christians" could be replaced by any religious group, so this could easily be titled "Should Jews Have Their Own Health Insurance?" or "Should Mormons Have Their Own Health Insurance". Again, I'm just using Christians because it covers a lot of ground and the religious, Christian right forms a large number of the people who side with Limbaugh on this issue.

Presumably, if Christians had their own health insurance, rates would be extremely low because many of the risks associated with most health care plans would be eliminated. Those signing up for the plan would be promising to live a moral life according to the Christian principles found in the Bible. Thus, they would agree not to engage in premarital sex, for instance. This would eliminate the risk for sexually transmitted diseases and the need for the insurance policy to cover birth control. With these expenses eliminated, the insurance company could drop premiums.

Those who signed up for the plan would also agree to other basic notions: they would agree not to drink, not to smoke, not to engage in criminal activity; etc. Those covered by this new insurance plan would decrease their risk of liver disease, lung cancer, heart disease, and numerous other risk factors that would allow the insurance company to lower premiums. Effectively, everybody who signed up for this plan would comprise a group with the lowest risk factors for voluntary health complications in the world. None of their insurance premiums would subsidize the immoral behavior of another because those behaviors wouldn't be covered under the plan.

So What Happens If You Violate the Plan's Terms?

In order to maintain the integrity of this new health insurance plan, any insured individual who violated the plan's terms would be denied coverage. In other words, sinning wouldn't be covered. Thus, each individual who signed up for this health insurance would agree to random blood testing, so that their use of substances banned under the plan could be monitored. That way, no person covered under the plan would ever subsidize objectionable activities of another person also covered under the plan. Denial of coverage would occur at any time for any reason if the covered individual was discovered to have violated the plans terms. Presumably, it's the perfect health insurance solution for those with a deep sense of morality.

What Other Things Would Cause Denial of Coverage?

As everybody knows, the Bible is a large and complex book. It is vitally important for salvation that Christians read the entire thing and adhere to its many rules. Many Christians live their lives by the Bible and take it literally. Therefore, it's important for this new health insurance to outline the various sins that will not be covered under the plan.

In addition to the basics like pre-marital sex, drinking, and smoking, here are some other activities that will force denial of coverage:

  1. Divorce - unfortunately, divorce is not permitted according to the Bible, so those that have been divorced or who get divorced cannot be covered under this plan. This sin is explained in Mark 10:2-12. "And he saith unto them, Whosoever shall put away his wife, and marry another, committeth adultery against her. And if a woman shall put away her husband, and be married to another, she committeth adultery."
  2. Lust - although I don't know how to test for this particular sin, perhaps all insurance offices could be staffed with attractive, busty, scantily-dressed young women and hunky men. Any covered participant who looked at them or stared at them for too long would be denied coverage. Lust is covered in Matthew 5:28. "But I say unto you, That whosoever looketh on a woman to lust after her hath committed adultery with her already in his heart."
  3. Pride, gossip, parental disobedience - I'm not sure how the plan would monitor this one, but perhaps covered participants could inform on each other. The parental disobedience clause would seem to indicate that children would not be covered under the plan. This is covered under Romans 1: 28-32. "And even as they did not like to retain God in their knowledge, God gave them over to a reprobate mind, to do those things which are not convenient; 29 Being filled with all unrighteousness, fornication, wickedness, covetousness, maliciousness; full of envy, murder, debate, deceit, malignity; whisperers, 30 Backbiters, haters of God, despiteful, proud, boasters, inventors of evil things, disobedient to parents, 31 Without understanding, covenantbreakers, without natural affection, implacable, unmerciful: 32 Who knowing the judgment of God, that they which commit such things are worthy of death, not only do the same, but have pleasure in them that do them."
  4. Keeping company with sinners - Covered participants would have to be very careful about who they hung around. This is covered in Corinthians 5:9-11. "I wrote unto you in an epistle not to company with fornicators: 10 Yet not altogether with the fornicators of this world, or with the covetous, or extortioners, or with idolaters; for then must ye needs go out of the world. 11 But now I have written unto you not to keep company, if any man that is called a brother be a fornicator, or covetous, or an idolator, or a railer, or a drunkard, or an extortioner; with such an one no not to eat."
  5. Reading horoscopes, numerology, consulting psychics, palm-reading - Really hard to say how the insurance company would figure this out. Covered in Deuteronomy 18:9-13. "When thou art come into the land which the LORD thy God giveth thee,thou shalt not learn to do after the abominations of those nations. Here shall not be found among you any one that maketh his son or his daughter to pass through the fire, or that useth divination, or an observer of times, or an enchanter, or a witch, or charmer, or a consulter with familiar spirits, or a wizard, or a necromancer. For all that do these things are an abomination unto the LORD: and because of these abominations the LORD thy God doth drive them out from before thee. Thou shalt be perfect with the LORD thy God."
  6. Those who eat shrimp - The insurance company could probably test for shrimp consumption. Covered in Leviticus 11. "12 Anything that lives in water, but not having fins and scales, you will regard as detestable."
  7. Those who eat pigs or rabbit - Again, a simple test would be administered. Covered in Leviticus 11. "6 you will regard the hare as unclean, because though it is ruminant, it does not have a cloven hoof; 7 you will regard the pig as unclean, though it has a cloven hoof, divided into two parts, it is not a ruminant. 8 You will not eat the meat of these or touch their dead bodies; you will regard them as unclean."
  8. A menstruating woman or anyone who's gone near a menstruating woman - covered in Leviticus 15: 19-24. "And if a woman have an issue, and her issue in her flesh be blood, she shall be put apart seven days: and whosoever toucheth her shall be unclean until the even. And every thing that she lieth upon in her separation shall be unclean: every thing also that she sitteth upon shall be unclean. And whosoever toucheth her bed shall wash his clothes, and bathe himself in water, and be unclean until the even. And whosoever toucheth any thing that she sat upon shall wash his clothes, and bathe himself in water, and be unclean until the even. And if it be on her bed, or on any thing whereon she sitteth, when he toucheth it, he shall be unclean until the even. And if any man lie with her at all, and her flowers be upon him, he shall be unclean seven days; and all the bed whereon he lieth shall be unclean."

Should people get reduced health insurance rates for moral behavior?

  • Yes
  • No
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Comments 3 comments

Aryak profile image

Aryak 4 years ago from Richardson, TX

It is againt the effort and ink of the Constitution to single out one specific group of people to have more privlege than others. Yet, we allow our government to make amendments to its bodies without much of a stir. Our country has fought so hard for equality amongst our people, the result is singling ourselves out. I am a Christian. However, COUNTRY and RELIGION isn't the same. Our country was founded to allow all citizens to enjoy equal freedom to practice whatever religion without persecution. Christians should remember the lesson from the Bible in which our own Son of God was rode through the streets, ridiculed, stoned, heckled and finally crucified all in the interest of...religion. There are countless other examples in world history that can easily be researched.

We are a quilt of many textures woven into the fabric that makes this country great. Because of the unique greatness, there will be other worldly political powers infiltrating our great country. United we stand...divided we fall. Citizens such as you, that singlely put a specific race, religion, or group ahead of all others who came and are comeing are not voices for what this country stands for. No one person or group should have more privlege than the majoriy. Perhaps, if we ALL stand UNITED once again, we will be able to overcome those who feed on the hungry, illiterate, and greed in this country. I for one hope the citizens stand up for their fellow countrymen and woman. It is my belief when someone takes up arms and puts their life ahead of mine that act of nobility deserves some recognition. I feel like EVERY CITIZEN has the rights to equal insurance. Regardless or gender, race, religion, or office seat held. It is a shame that our country citizens break away from the whole and single themselves while others are expected to suffer. This is truly a sad revelation that we have learned nothing from history and all the men and women who rose and fell all to save our freedoms of liberty is blasphemy. Gods word is love ALL mankind. To twist meaning to suit the common good of the few is no different than acts of injustic to Him. Write your words for the good of all. Anything else is a waist of time, effort and ink. As an after-note, I would like to point out that freedom of liberty is NOT the same as all citizens having equal property. This is referee to as socialism, and there are many socialist countries, beautiful countries you are welcome to settle. This country is unique. I like it that way.


crankalicious profile image

crankalicious 4 years ago from Colorado Author

Thanks for your comments. Hopefully the article highlights the absurdity of the arguments coming from the right-wing.


SantaCruz profile image

SantaCruz 4 years ago from Santa Cruz, CA

Love the image of a gossip informant brigade! Thanks for a logical & amusing expression of what many of us are thinking. This hub & its general arguments need to be widely distributed.

Though things can get ridiculous as you point out, and I fear possible implications of differential health care coverage, are there any behaviors or decisions that deserve perks or penalties, just as with car insurance? I gotta say this: I've been vegetarian for 23 years. If I lived in Holland, I'd get a health insurance discount for that decision. (Not sure how they monitor the diets.) Here in the US, my healthcare insurance rates subsidize people like my dearly beloved departed grandpa -- a wonderful man who consciously made horrible health decisions every day of his adult life. That doesn't seem fair.

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