How Repealing the Affordable Care Act May Hurt Small-Church Pastors

“Our call for change may be good, but let’s remember that change frequently comes with a high price.”

It seems that President-elect Trump is moving full force toward a repeal of the Affordable Care Act (a.k.a. “Obamacare”), tweeting that “The ‘Unaffordable’ Care Act will soon be history!”

The Flaws of Obamacare

Admittedly, we would find few people who would say President Barack Obama’s health care law has overall been a great success, especially as premiums have soared in recent years. Even Bill Clinton’s comments, later walked back, reveal the widespread dissatisfaction.

When I recently posted on my Facebook page, “I’m interested in the implications of the repeal of Obamacare (ACA) on pastors and church planters. Anyone got any thoughts?” I received quite a few responses, some of which focused on the tremendous increase in premiums.

One person even said, “Over the last three years, my premium has almost doubled (a 90 percent increase) for a deductible that went from $500 to $6,000.”

So, yes, the health care law has been bad for many, and many of the claims thar came along with it were false. (For example, Politifact named one promise the “lie of the year.”)

Furthermore, it is disliked by many people of faith, particularly evangelicals. There are many reasons for this, but a key one is the unnecessary and, in my view, foolish fight the Obama administration picked with people of faith. (Hint: don’t pick a fight with a group named “Little Sisters of the Poor.”)

Those high premiums, and failed promises, have hurt a lot of people—including those in the church.

But there is more than one side to the story.

Repealing Has Implications

Many people may be unaware of the affect that such a repeal (without a suitable replacement) will have on church planters and small-church pastors. In fact, I constantly talk to church planters who have taken advantage of the ACA and have found it to be one of the only ways they can continue their work and provide for their families.

I asked some pastors and church planters to share, and here are a few of their comments.

As pastor Tim Kirkes explained:

Because we cannot get group health insurance, without the ACA our family will be without coverage.

His case is not unusual. Pastors leading many churches are, when it comes to insurance, like small-business owners. They need to find ways to provide for themselves and for those working under their care, and do not have an organization that provides their health care.

From Outreach Magazine  You Lost Me: Why Young Christians Are Leaving Church ... and Rethinking Faith

This is especially true of nondenominational churches that cannot access the group plans upon which much of our system has been based.

Luke Holmes explained:

If the Affordable Care Act is repealed, it will have an immediate financial impact on my family. As a single staff pastor in a rural community, our opportunities are limited, as we cannot get on a group plan. There are several doctors and clinics, but without insurance we would have to pay the full fee every time we visit.

Without it, we just wouldn’t go.

My wife and I are two relatively healthy 30-somethings, but our premium still went up over $500 per month. It is too much for us to pay without a subsidy. We had coverage before that, but that option was taken away when the ACA came out.

Without the ACA, we might still be on our same plan as before. Whatever our feelings might be about President Obama and his policies, we have come to rely on that insurance.

Or Jason Blanton:

I’m pastor of Grace Crossing in Charlotte, North Carolina. The ACA has saved my church and me thousands of dollars. It is imperfect, but better than before. The real tragedy will be if the preexisting requirement is eliminated.

My family was paying one-third and the church was paying two-thirds of $1,300 for health insurance before. With the ACA, my family paid around $300 per month, and the church paid $0, which meant the savings got shared between my family and the church.

Dan Mansberger explained:

The church, of which I am the sole employee, is currently preparing to hire an associate pastor. We have decided to avoid purchasing any health insurance and increase the salary an amount approximate to health insurance premium. The main reason is the uncertainty and the hope of something better than what is currently available.

Chad Winder explained:

I think a full repeal at this point would be a disaster.

I don’t expect insurance companies to reverse their inflated premiums. So if the subsidy goes away, I imagine most pastors in a similar situation to my family will take a huge hit.

I would guess if repealed and Medicaid qualifications change, then it would go back to costing us $700/month or more for decent coverage, which would be a huge stretch, like complete lifestyle change.

From Outreach Magazine  Nathan A. Finn: Culture and Discipleship

Big Implications

I’m not defending the ACA—its effects and certainly not its implementation. And furthermore, this is not just about pastors. It affects a whole lot of people in your church (and not in your church). But I’ve talked to a lot of pastors about this topic, so I’ve made that my focus here.

In short, the point here is that big policies aren’t simply big policies. And when they appear (or actually are) broken, there isn’t a simple answer. Big policies affect real people. Any plan approved by Congress affects millions of everyday, hardworking people.

And I’ve only focused on one group here—small church pastors and church planters—since I have often heard about this from church planters. Actually, I have spoken in conferences on this very topic: how the ACA has opened the door for many church planters to get insurance.

It’s Not So Simple

So if you think that repealing the ACA is a simple issue, I encourage you to reread the comments above (and on Facebook) by hardworking people who simply don’t get paid enough to afford coverage their families, but who are working faithfully where God has placed them.

Let’s walk these kinds of moments carefully, friends. Our call for change may be good, but let’s remember that change frequently comes with a high price.

Pastors and church planters are just one group of many who will be affected but, as Dr. Michael Traylor explained to me:

As a pastor, church planter and pediatrician, the repeal without replacement will be disastrous for those without denominational plans.

So, yes, this is a complex issue. And President Obama burned bridges with many in the religious community with his heavy-handed approach. But our health care system remains broken and filled with cracks.

And I’m concerned that many people, including small-church pastors and church planters, are the ones who will slip through those cracks.

Let’s speak up for a wise process that addresses the underlying issues that still remain—for the good of small-church pastors and church planters, but also for our country and all of its citizens.

Read more from Ed Stetzer »

Ed Stetzer holds the Billy Graham distinguished chair of church, mission and evangelism at Wheaton College and the Wheaton Grad School, where he also oversees the Billy Graham Center for Evangelism.

Previous article3 Church Planting Trends That Need to Die
Next articleThe Difference Between Church Members and Chicken
Ed Stetzer

Ed Stetzer is the editor-in-chief of Outreach magazine, host of the Stetzer ChurchLeaders Podcast, and a professor and dean at Wheaton College where he also serves as executive director of the Wheaton College Billy Graham Center. He has planted, revitalized, and pastored churches, trained pastors and church planters on six continents, and has written hundreds of articles and a dozen books. He currently serves as interim teaching pastor of Calvary Church in New York City and teaching pastor at Highpoint Church in Naperville, Illinois.

He is also regional director for Lausanne North America, and is frequently cited in, interviewed by and writes for news outlets such as USA Today and CNN. He is the founding editor of The Gospel Project, and his national radio show, Ed Stetzer Live, airs Saturdays on Moody Radio and affiliates.