The exorbitant cost of healthcare has caused many to avoid the healthcare system completely because of affordability issues. Many persons are still unbanked and uninsured which results in those persons unable to access a medical loan or health insurance. This is a major drawback in the development of an effective healthcare system. Medical Laboratories charge exorbitant fees for blood tests that are not subsidized by the government or health insurance. This makes access to diagnostics and pharmaceuticals a luxury for a few. A solution to this is the access to medical microfinancing for the unbanked and uninsured. This can be simply in the form of a medical cost sharing program. These programs are sometimes called healthcare ministries in many christian organizations.
