HB21 would have defined and protected healthcare sharing ministries (HCSMs) in Ohio law—clarifying that these faith-based health-cost-sharing organizations are not considered insurance and are not subject to state insurance regulations.

The Ohio State House of Representatives passed HB21 on November 12, 2025 by a vote of 65 to 31. We have assigned pluses to the ayes because HCSMs are voluntary, faith-based associations protected by the First Amendment's guarantees of religious liberty and freedom of association. These organizations operate through private agreements among members who share medical expenses according to shared religious beliefs—not through state-mandated insurance schemes. Healthcare is not a legitimate responsibility of government, and lawmakers should not burden religious cost-sharing arrangements with regulations designed for commercial insurance corporations. By clarifying that HCSMs are distinct from insurance and shielding them from inappropriate oversight, HB21 protects religious freedom, respects private contracts, and allows individuals to pursue healthcare solutions without government interference.