Healthcare & Benefits
Healthcare & Benefits
The government can force your health plan to fund what your faith forbids. This is where you learn how to stop it.
Federal mandates require employer health plans to cover abortion-causing drugs and gender-transition procedures. Refuse, and the penalties climb into the millions. In Burwell v. Hobby Lobby (2014), one family faced fines of up to $475 million a year for standing on their faith. The threat runs deeper than the headlines. It hides in how your plan is funded, in your ERISA obligations, and in the pharmacy formulary you never think to check. This is your resource center for every healthcare threat a Christian employer faces, and every protection that answers it.
What You'll Find Here
- Contraceptive mandates. The federal requirement to fund abortion-causing drugs and devices, and the court order that blocks it for members.
- Self-funded plan design. How self-insuring gives you control over what your plan covers, and where the risk lives.
- Stop-loss insurance. The guardrail that makes self-funding survivable, and the fine print that can expose you.
- Pharmacy benefit managers (PBMs). The quiet exposure point where abortifacient drugs slip into your plan by default.
- ERISA compliance. The federal law that governs your plan, sets your duties, and shapes how much room you have to design around conviction.
- Healthcare freedom protections. The court-backed exemptions that shield members from the mandates that cost other employers everything.
Start Here
What Christian Owners Should Review in Their Benefits Plan Right Now
Renewal season is here. The plan you sign this year decides whether your business runs by conviction or someone else's mandate. Six sections, six checkboxes, everything you need to review before you sign -- healthcare mandates, conscience protections, RFRA compliance, plan structure, HR administration, and the legislative threats already moving.
Read the Renewal Checklist →More Resources
The Health Plan Trap: Where Christian Employers Are Most Exposed
Federal mandates require your health plan to fund abortion-causing drugs and gender-transition procedures. Most Christian employers do not see the trap until renewal season snaps it shut. Know what your plan actually funds before someone else finds out for you.
Read Article →What Is ERISA and What Does It Mean for Christian Employer Health Plans?
ERISA is the federal law that governs your health plan, sets your fiduciary duties, and decides whether a state mandate can force coverage that violates your faith. Most Christian employers do not understand it until a compliance problem forces the question. Read it before that moment arrives.
Read Article →What Is Stop-Loss Insurance and Why Do Self-Funded Christian Employers Need It?
One catastrophic claim can cost $1 million in a single plan year. Stop-loss insurance is the guardrail that makes self-funding survivable. Know the protection, read the contract, and align all three documents before a claim forces the question.
Read Article →What Healthcare Protections Do CEA Members Receive?
Two permanent federal court injunctions block the government from forcing members to fund abortion-causing drugs or gender-transition procedures. This article walks through the threats, the protections, and the plan-design choices that decide your real exposure.
Read Article →One mandate can reach into a plan you thought you controlled.
Reading about the threat is not the same as protecting your plan from it. Christian employers who join CEA stand behind permanent federal court injunctions, activated the moment their membership begins. Your plan does not have to fund what your faith forbids.
No lawsuits. No legal fees. No years in court.