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Samaritan Ministries is a Christian organization that has an alternative to insurance. Go to SamaritanMinistries. Read through the "How it Works" section, and look at the "Frequently Asked Questions." Do you think that this system would work? Do you think that this is the biblical way of handling health expenses? Your replies should not be used as an opportunity to simply complement the writer; rather, you should expand upon his/her opinions or take exception with them in a polite and professional manner.
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