Each member of Mutual Health™ must comply with the following requirements to join and maintain membership with Mutual Health™ and remain eligible to participate in the Health Share program and related services. Adherence to the Principles of Membership minimizes medical risks, encourages good health practices, and ensures member integrity and accountability. All members must attest to the following statements:

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• I believe that a community of ethical, health-conscious people can most effectively care for one another by directly sharing the costs associated with each other’s healthcare expenses.

• I recognize that Mutual Health™ affiliates and considers itself accountable to a higher power. I welcome members of all faiths.

• I understand that Mutual Health™ is a benevolent organization, not an insurance entity, and cannot guarantee payment of medical expenses.

• I agree to practice good health measures and strive for a balanced lifestyle. I agree to abstain from the use of any illicit or illegal drugs and refrain from excessive alcohol consumption and acts that are harmful to the body.

• I am obligated to care for my family. I believe that mental, physical, emotional, or other abuse of a family member or any other person is morally wrong. I always commit to treating my family and others with care and respect.

• I agree to work with Mutual Health™ to find and utilize fair-cost healthcare services when appropriate.

• I agree to submit to mediation and subsequent binding arbitration, if necessary, for any dispute with Mutual Health™ or its affiliates.