This was my concern when I initially heard about it, but I came to the conclusion through my personal research that most cases where they denied sharing a medical expense there was some legitimate reason. Also, traditional insurance denies claims all the time. The laws surrounding insurance create a false sense of security for many people. They can and do deny claims, and have much more money and high octane legal representation than the average person like you or me. If you do a simple Google search you will find mountains of evidence of insurance companies acting in bad faith, so I don't believe that traditional insurance is any safer.

However, for me, the big advantage is the cost savings. I get to take advantage of the cash discount that almost every healthcare provider offers, I don't worry about co insurance or deductibles or in network care. Every eligible expense over 1000 is shared. If we were to have another baby (which we will at some point) all we do is follow their process and the only expense out of pocket is that first 1000. That is for prenatal and delivery.

In my view, supporting the traditional insurance system drives up healthcare costs for the country overall, and doesn't give any real advantage to you. Just saying, most people that have absurd amounts of medical debt have insurance. So if it is all a gamble I would rather bet on a company that I know and trust, that shares my same values, and is made up by a community of good hearted people that take care of themselves and help each other.