Scams? They paid for my $6000 colonoscopy which caught early cancer, my daughters stitches, my wife's allergy specialist, my son's rocky mountain spotted fever, etc. etc. $500/mo for our family of 5 and we've been on it for nearly 10 years. But yes, please tell me more how this service that is way cheaper than insurance, is a community of people helping each other, and covers way more than insurance, is a scam.
Sure, I use Samaritan Ministries. I've tried other health sharing groups but Samaritan has been the best experience. They also have the best tech platform with the best user experience that I've seen. Samaritan is for christians but there are other health sharing groups that don't have that requirement.