Wash. Rev. Code » Title 48 · Chapter 48.43
Revised Code of Washington

Wash. Rev. Code § 48.43.009 (2025)

Health care sharing ministries

✓ laws through the 2025 session: 2026 session laws are not yet included
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Health care sharing ministries are not health carriers as defined in RCW 48.43.005 or insurers as defined in RCW 48.01.050. For purposes of this section, "health care sharing ministry" has the same meaning as in 26 U.S.C. Sec. 5000A.
[ 2011 c 314 s 18.]
Notes of Decisions
Cited in 6 cases (5 in the last 5 years), 2020–2026 · leading case: Zion HealthShare, Inc. v. Off. of the Ins. Comm'r, No. 40454-4 (Wash. Ct. App. Feb. 5, 2026).
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Zion HealthShare, Inc. v. Off. of the Ins. Comm'r, No. 40454-4 (Wash. Ct. App. Feb. 5, 2026). · cites it 4× “It alternatively argues that the seasoning component in RCW 48.43.009—the component preventing it from being exempt from registration—is unconstitutional.”
Gospel Light Mennonite Church Med. Aid Plan v. New Mexico Off. of the Superintendent of Ins., No. 1:23-cv-00276 (D.N.M. July 14, 2023). “, Wash. Rev. Code § 48.43.009 (2011) (safe harbor provision requiring compliance with ACA provisions); N.”
Gospel Light Mennonite Church Med. Aid Plan v. New Mexico Off. of the Superintendent of Ins., No. 1:23-cv-00276 (D.N.M. Oct. 12, 2023). “, Wash. Rev. Code § 48.43.009 (2011) (safe harbor provision requiring compliance with ACA provisions); N.”
Bandy v. All. for Shared Health Inc, No. 2:22-cv-00025 (E.D. Wash. Sept. 16, 2022). “CODE §48.43.009 (2022). “If an entity meets the federal 16 requirements of an HCSM, it then qualifies as an HCSM under Washington law, 17 and is exempt from obtaining a certificate of authority from the Washington 18 Insurance Commissioner.”
Jackson v. Aliera Companies Inc, 462 F. Supp. 3d 1129 (W.D. Wash. 2020). “See RCW 48.43.009 (“Health care sharing ministries are 15 not health carriers as defined in RCW 48.”
Jackson v. Aliera Companies Inc, No. 2:19-cv-01281 (W.D. Wash. Nov. 12, 2021). “§ 5000A and RCW 48.43.009; (2) whether Washington insurance 23 law and regulations forbid the creation, marketing, sale and administration of health 24 care plans in the “business of insurance” without authorization or other legal exception; 25 (3) whether Aliera failed to…”
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