Insurance – United Yam

Top 2025 religious freedom developments included mix of persecution, protection #Catholic

null / Credit: Joe Belanger/Shutterstock

Washington, D.C. Newsroom, Dec 19, 2025 / 06:00 am (CNA).
Here is an overview of some of the religious freedom developments and news in the United States and abroad in 2025:White House started the Religious Liberty CommissionPresident Donald Trump established the White House Religious Liberty Commission in May to report on threats to religious freedom in the U.S. and seek to advance legal protections. The commission and advisory boards include members of various religions. Catholic members on the commission include Cardinal Timothy Dolan and Bishop Robert Barron. Catholic advisory board members include Archbishop Salvatore J. Cordileone, Bishop Thomas Paprocki, Bishop Kevin Rhoades, and Father Thomas Ferguson.Lawmakers condemned persecution of Christians Rep. Riley Moore, R-West Virginia, and Sen. Josh Hawley, R-Missouri, introduced a joint resolution condemning the persecution of Christians in Muslim-majority countries across the world.The measure called on the Trump administration to leverage trade, security negotiations, and other diplomatic tools to advocate for religious freedom. Court blocked law that would require priests to violate the seal of confessionWashington Gov. Bob Ferguson signed a state law in May that would require priests to report child abuse to authorities even if they hear about it during the sacrament of confession. Catholic bishops brought a lawsuit against the measure. A federal judge blocked the controversial law.Trump announced federal guidelines to protect prayer at public schoolsPresident Donald Trump announced the U.S. Department of Education will issue federal guidelines to protect prayer at public schools during a Sept. 8 Religious Liberty Commission hearing. He said the guidelines will “protect the right to prayer in our public schools and [provide for] its total protection.”The president said he sought the guidelines after hearing about instances of public school students and staff being censored and facing disciplinary action for engaging in prayer, reading the Bible, and publicly expressing their faith.Report found most states fail to safeguard religious liberty About three-fourths of states scored less than 50% on Napa Legal Institute’s religious freedom index, which measures how well states safeguard religious liberty for faith-based organizations. The October report was part of Napa’s Faith & Freedom Index that showed Alabama scored the highest and Michigan scored the lowest.Lawmakers urged federal court to allow Ten Commandments displayFirst Liberty Institute and Heather Gebelin Hacker of Hacker Stephens LLP filed an amicus brief in December on behalf of 46 United States lawmakers urging the federal court to allow the Ten Commandments to be displayed in public schools.Speaker of the U.S. House of Representatives Mike Johnson, R-Louisiana; Rep. Chip Roy, R-Texas; and Sens. Ted Cruz and John Cornyn, R-Texas, were among the lawmakers who supported the cause after federal judges blocked Texas and Louisiana laws requiring the display of the commandments.Supreme Court ruled on religious freedom cases The U.S. Supreme Court ruled in favor of a group of Maryland parents who sued a school district over its refusal to allow families to opt their children out of reading LGBT-themed books. In a 6-3 decision on July 27 in Mahmoud v. Taylor, the court ruled the Catholic, Orthodox, and Muslim parents “are likely to succeed on their claim that the board’s policies unconstitutionally burden their religious exercise.” In July, the Supreme Court ordered the New York Court of Appeals to revisit Diocese of Albany v. Harris, which challenged a 2017 New York state mandate requiring employers to cover abortions in health insurance plans.In October, a Native American group working to stop the destruction of a centuries-old religious ritual site in Arizona lost its appeal to the Supreme Court.Religious liberty abroad: Religious freedom diminished in AfghanistanThe U.S. Commission on International Religious Freedom (USCIRF) said in a report that “religious freedom conditions in Afghanistan continue to decline dramatically under Taliban rule.”The USCIRF wrote in an Aug. 15 report examining the Taliban’s Law on the Propagation of Virtue and Prevention of Vice one year after its enactment: The morality law “impacts all Afghans” but “disproportionately affects religious minorities and women, eradicating their participation in public life and systematically eliminating their right to [freedom of religious belief].”Chinese government banned Catholic priests from evangelizing onlineIn September, the State Administration for Religious Affairs in China banned several forms of online evangelization for religious clergy of all religions, including Catholic priests.The Code of Conduct for Religious Clergy was made up of 18 articles including one that said faith leaders are banned from performing religious rituals through live broadcasts, short videos, or online meetings. U.S. commission said China should be designated as a country of particular concernThe USCIRF reported China tries to exert total control over religion and said the U.S. Department of State should redesignate China as a “country of particular concern” (CPC) regarding religious freedom.USCIRF said in September that China uses surveillance, fines, retribution against family members, imprisonment, enforced disappearance, torture, and other forms of abuse to control the Catholic Church and other religious communities in the nation.In its annual report, USCIRF also recommended Afghanistan, Burma, Cuba, Eritrea, India, Iran, Nicaragua, Nigeria, North Korea, Pakistan, Russia, Saudi Arabia, Tajikistan, Turkmenistan, and Vietnam be designated as CPCs.

unitedyam December 19, 2025

null / Credit: Joe Belanger/Shutterstock

Washington, D.C. Newsroom, Dec 19, 2025 / 06:00 am (CNA).

Here is an overview of some of the religious freedom developments and news in the United States and abroad in 2025:

White House started the Religious Liberty Commission

President Donald Trump established the White House Religious Liberty Commission in May to report on threats to religious freedom in the U.S. and seek to advance legal protections.

The commission and advisory boards include members of various religions. Catholic members on the commission include Cardinal Timothy Dolan and Bishop Robert Barron. Catholic advisory board members include Archbishop Salvatore J. Cordileone, Bishop Thomas Paprocki, Bishop Kevin Rhoades, and Father Thomas Ferguson.

Lawmakers condemned persecution of Christians

Rep. Riley Moore, R-West Virginia, and Sen. Josh Hawley, R-Missouri, introduced a joint resolution condemning the persecution of Christians in Muslim-majority countries across the world.

The measure called on the Trump administration to leverage trade, security negotiations, and other diplomatic tools to advocate for religious freedom.

Court blocked law that would require priests to violate the seal of confession

Washington Gov. Bob Ferguson signed a state law in May that would require priests to report child abuse to authorities even if they hear about it during the sacrament of confession. Catholic bishops brought a lawsuit against the measure. A federal judge blocked the controversial law.

Trump announced federal guidelines to protect prayer at public schools

President Donald Trump announced the U.S. Department of Education will issue federal guidelines to protect prayer at public schools during a Sept. 8 Religious Liberty Commission hearing. He said the guidelines will “protect the right to prayer in our public schools and [provide for] its total protection.”

The president said he sought the guidelines after hearing about instances of public school students and staff being censored and facing disciplinary action for engaging in prayer, reading the Bible, and publicly expressing their faith.

Report found most states fail to safeguard religious liberty

About three-fourths of states scored less than 50% on Napa Legal Institute’s religious freedom index, which measures how well states safeguard religious liberty for faith-based organizations. The October report was part of Napa’s Faith & Freedom Index that showed Alabama scored the highest and Michigan scored the lowest.

Lawmakers urged federal court to allow Ten Commandments display

First Liberty Institute and Heather Gebelin Hacker of Hacker Stephens LLP filed an amicus brief in December on behalf of 46 United States lawmakers urging the federal court to allow the Ten Commandments to be displayed in public schools.

Speaker of the U.S. House of Representatives Mike Johnson, R-Louisiana; Rep. Chip Roy, R-Texas; and Sens. Ted Cruz and John Cornyn, R-Texas, were among the lawmakers who supported the cause after federal judges blocked Texas and Louisiana laws requiring the display of the commandments.

Supreme Court ruled on religious freedom cases

The U.S. Supreme Court ruled in favor of a group of Maryland parents who sued a school district over its refusal to allow families to opt their children out of reading LGBT-themed books.

In a 6-3 decision on July 27 in Mahmoud v. Taylor, the court ruled the Catholic, Orthodox, and Muslim parents “are likely to succeed on their claim that the board’s policies unconstitutionally burden their religious exercise.”

In July, the Supreme Court ordered the New York Court of Appeals to revisit Diocese of Albany v. Harris, which challenged a 2017 New York state mandate requiring employers to cover abortions in health insurance plans.

In October, a Native American group working to stop the destruction of a centuries-old religious ritual site in Arizona lost its appeal to the Supreme Court.

Religious liberty abroad: Religious freedom diminished in Afghanistan

The U.S. Commission on International Religious Freedom (USCIRF) said in a report that “religious freedom conditions in Afghanistan continue to decline dramatically under Taliban rule.”

The USCIRF wrote in an Aug. 15 report examining the Taliban’s Law on the Propagation of Virtue and Prevention of Vice one year after its enactment: The morality law “impacts all Afghans” but “disproportionately affects religious minorities and women, eradicating their participation in public life and systematically eliminating their right to [freedom of religious belief].”

Chinese government banned Catholic priests from evangelizing online

In September, the State Administration for Religious Affairs in China banned several forms of online evangelization for religious clergy of all religions, including Catholic priests.

The Code of Conduct for Religious Clergy was made up of 18 articles including one that said faith leaders are banned from performing religious rituals through live broadcasts, short videos, or online meetings.

U.S. commission said China should be designated as a country of particular concern

The USCIRF reported China tries to exert total control over religion and said the U.S. Department of State should redesignate China as a “country of particular concern” (CPC) regarding religious freedom.

USCIRF said in September that China uses surveillance, fines, retribution against family members, imprisonment, enforced disappearance, torture, and other forms of abuse to control the Catholic Church and other religious communities in the nation.

In its annual report, USCIRF also recommended Afghanistan, Burma, Cuba, Eritrea, India, Iran, Nicaragua, Nigeria, North Korea, Pakistan, Russia, Saudi Arabia, Tajikistan, Turkmenistan, and Vietnam be designated as CPCs.

Senate to vote on health care plans as subsidies near expiration #Catholic

Congress is set to vote on two plans regarding the Affordable Care Act (ACA) premium tax credits that are scheduled to expire Dec. 31, 2025. / Credit: usarmyband, CC BY 4.0, via Wikimedia Commons

Washington, D.C. Newsroom, Dec 11, 2025 / 06:30 am (CNA).
Congress is set to vote on two plans regarding the Affordable Care Act (ACA) premium tax credits that are scheduled to expire Dec. 31, 2025. The Senate is expected to vote Dec. 11 on a Democratic proposal to extend existing ACA tax credits for three years, as 24 million Americans use ACA marketplaces for health insurance. Senate Majority Leader John Thune, R-South Dakota, told reporters Tuesday after a Senate Republican meeting that lawmakers also will vote on a Republican alternative measure. Sen. Bill Cassidy, R-Louisiana, chair of the Health, Education, Labor, and Pensions Committee, and Sen. Mike Crapo, R-Idaho, who leads the Finance panel, announced the legislation on Monday. The measure (S. 3386) would set requirements for Health Savings Account (HSA) contributions and direct that the money cannot be used for abortion or “gender transitions.” It would require states to verify citizenship and immigration status before coverage.Catholic bishops weigh inThe U.S. Conference of Catholic Bishops have said they favor extending the taxpayer subsidies that lower health insurance costs under the ACA, but said lawmakers must ensure that the tax credits are not used for abortions or other procedures that violate Catholic teaching on the sanctity of life. The enhanced premium tax credits “should be extended but must not continue to fund plans that cover the destruction of human life, which is antithetical to authentic health care,” the bishops wrote in an Oct. 10 letter to members of Congress. There needs to be a policy that serves “all vulnerable people – born and preborn” and applies full Hyde Amendment protections to them, ensuring not only that government funding does not directly pay for the procuring of an abortion, but also that plans offered by health insurance companies on ACA exchanges cannot cover elective abortion,” they wrote. The Hyde Amendment, passed by Congress in 1977, prohibits the use of federal funds for abortions except in cases of rape, incest, or when the mother’s life is at risk.Activists respondA coalition of more than 300 faith leaders including NETWORK Lobby for Catholic Social Justice, Church Of God In Christ Social Justice Ministry, Faith in Action Network, and Franciscan Action Network, delivered a joint letter to Congress Dec. 8 urging legislators to pass a bipartisan bill that protects and expands the ACA premium tax credits.“Each life is sacred, therefore, there is a moral imperative to provide care for the sick and alleviate suffering particularly for those who lack resources to pay,” the letter wrote. There must be action to ensure everyone has “the health care they need to live and thrive, as people are currently making choices about coverage for 2026.”“The letter notes that renewing the tax credits will keep healthcare premiums under the ACA from spiking by an average of 114 percent in 2026,” NETWORK reported. “This would cause an estimated 4.8 million people to lose their health coverage because they cannot afford it. Subsequently, some 50,000 people could lose their lives without their health coverage.”Other pro-life organizations have warned against expanding the subsidies. “As Congress continues to face pressure to extend Obamacare’s abortion-funding premium subsidies, Susan B. Anthony Pro-Life America (SBA) is making the facts clear on how Obamacare does not include the Hyde amendment and forces Americans to pay for abortions,” Marjorie Dannenfelser, president of SBA Pro-Life America, said in a statement.“The enactment of Obamacare ruptured the bipartisan legacy of the Hyde amendment and resulted in the largest expansion of abortion funding since the 1970s,” she said. “Obama and the Democratic leadership at the time intentionally drafted the program to avoid annual appropriations bills, bypassing the Hyde amendment.”“Instead of stopping funding for health insurance plans that cover elective abortion, Section 1303 of Obamacare expressly permits subsidies for Obamacare plans that cover abortion using elaborate accounting requirements and an abortion surcharge to justify the funding,” she said.SBA and more than 100 other pro-life organizations are demanding that any extensions to Obamacare include a complete application of the Hyde policy. The groups sent a September letter and an October letter to lawmakers calling on Congress to ensure pro-life provisions. “Preventing taxpayer funding of abortion is a minimum requirement for any new Obamacare spending advanced by a Republican Congress and Administration,” Dannenfelser said.

unitedyam December 11, 2025

Congress is set to vote on two plans regarding the Affordable Care Act (ACA) premium tax credits that are scheduled to expire Dec. 31, 2025. / Credit: usarmyband, CC BY 4.0, via Wikimedia Commons

Washington, D.C. Newsroom, Dec 11, 2025 / 06:30 am (CNA).

Congress is set to vote on two plans regarding the Affordable Care Act (ACA) premium tax credits that are scheduled to expire Dec. 31, 2025.

The Senate is expected to vote Dec. 11 on a Democratic proposal to extend existing ACA tax credits for three years, as 24 million Americans use ACA marketplaces for health insurance.

Senate Majority Leader John Thune, R-South Dakota, told reporters Tuesday after a Senate Republican meeting that lawmakers also will vote on a Republican alternative measure.

Sen. Bill Cassidy, R-Louisiana, chair of the Health, Education, Labor, and Pensions Committee, and Sen. Mike Crapo, R-Idaho, who leads the Finance panel, announced the legislation on Monday.

The measure (S. 3386) would set requirements for Health Savings Account (HSA) contributions and direct that the money cannot be used for abortion or “gender transitions.” It would require states to verify citizenship and immigration status before coverage.

Catholic bishops weigh in

The U.S. Conference of Catholic Bishops have said they favor extending the taxpayer subsidies that lower health insurance costs under the ACA, but said lawmakers must ensure that the tax credits are not used for abortions or other procedures that violate Catholic teaching on the sanctity of life.

The enhanced premium tax credits “should be extended but must not continue to fund plans that cover the destruction of human life, which is antithetical to authentic health care,” the bishops wrote in an Oct. 10 letter to members of Congress.

There needs to be a policy that serves “all vulnerable people – born and preborn” and applies full Hyde Amendment protections to them, ensuring not only that government funding does not directly pay for the procuring of an abortion, but also that plans offered by health insurance companies on ACA exchanges cannot cover elective abortion,” they wrote.

The Hyde Amendment, passed by Congress in 1977, prohibits the use of federal funds for abortions except in cases of rape, incest, or when the mother’s life is at risk.

Activists respond

A coalition of more than 300 faith leaders including NETWORK Lobby for Catholic Social Justice, Church Of God In Christ Social Justice Ministry, Faith in Action Network, and Franciscan Action Network, delivered a joint letter to Congress Dec. 8 urging legislators to pass a bipartisan bill that protects and expands the ACA premium tax credits.

“Each life is sacred, therefore, there is a moral imperative to provide care for the sick and alleviate suffering particularly for those who lack resources to pay,” the letter wrote. There must be action to ensure everyone has “the health care they need to live and thrive, as people are currently making choices about coverage for 2026.”

“The letter notes that renewing the tax credits will keep healthcare premiums under the ACA from spiking by an average of 114 percent in 2026,” NETWORK reported. “This would cause an estimated 4.8 million people to lose their health coverage because they cannot afford it. Subsequently, some 50,000 people could lose their lives without their health coverage.”

Other pro-life organizations have warned against expanding the subsidies.

“As Congress continues to face pressure to extend Obamacare’s abortion-funding premium subsidies, Susan B. Anthony Pro-Life America (SBA) is making the facts clear on how Obamacare does not include the Hyde amendment and forces Americans to pay for abortions,” Marjorie Dannenfelser, president of SBA Pro-Life America, said in a statement.

“The enactment of Obamacare ruptured the bipartisan legacy of the Hyde amendment and resulted in the largest expansion of abortion funding since the 1970s,” she said. “Obama and the Democratic leadership at the time intentionally drafted the program to avoid annual appropriations bills, bypassing the Hyde amendment.”

“Instead of stopping funding for health insurance plans that cover elective abortion, Section 1303 of Obamacare expressly permits subsidies for Obamacare plans that cover abortion using elaborate accounting requirements and an abortion surcharge to justify the funding,” she said.

SBA and more than 100 other pro-life organizations are demanding that any extensions to Obamacare include a complete application of the Hyde policy. The groups sent a September letter and an October letter to lawmakers calling on Congress to ensure pro-life provisions.

“Preventing taxpayer funding of abortion is a minimum requirement for any new Obamacare spending advanced by a Republican Congress and Administration,” Dannenfelser said.

Disability advocates sue Delaware over allegedly ‘discriminatory’ assisted suicide law #Catholic

“For patients with serious disabilities, this law will put us at risk of deadly discrimination," says Daniese McMullin-Powell, a polio survivor who has used a wheelchair for most of her life. / Credit: Institute for Patients' Rights

CNA Staff, Dec 10, 2025 / 06:10 am (CNA).
Several disability and patient advocacy groups filed a lawsuit in the U.S. District Court in Delaware on Dec. 8 alleging that Delaware’s new physician-assisted suicide law discriminates against people with disabilities. In May 2025, Delaware passed a bill legalizing physician-assisted suicide for terminally ill adults with a prognosis of six months or less to live. The law, which goes into effect Jan. 1, 2026, allows patients to self-administer lethal medication. The 74-page complaint alleges that the new law is unconstitutional under both Delaware and federal law and violates the Americans with Disabilities Act as well as the Fourteenth Amendment’s Equal Protection Clause, among other challenges. Plaintiffs include the Institute for Patients’ Rights; The Freedom Center for Independent Living, Inc., in Middletown; the Delaware chapter of ADAPT; Not Dead Yet; United Spinal Association, the National Council on Independent Living; and disability advocate Sean Curran.The lawsuit, which names Gov. Matthew Meyer and the Delaware Department of Health and Human Services as two of several defendants, said that “people with life-threatening disabilities” are at “imminent risk” because of Delaware’s new law. “Throughout the country, a state-endorsed narrative is rapidly spreading that threatens people with disabilities: namely, that people with life-threatening disabilities should be directed to suicide help and not suicide prevention,” the lawsuit read.“At its core, this is discrimination plain and simple,” the lawsuit continued. “With cuts in healthcare spending at the federal level, persons with life-threatening disabilities are now more vulnerable than ever.”The lawsuit alleges that, under the new law, people with life-threatening disabilities who express suicidal thoughts will be treated differently than other people who express suicidal thoughts. The new law lacks requirements for mental health screening for depression or other mental illness, “all of which are necessary for informed consent and a truly autonomous choice,” according to the lawsuit. Curran, a Delaware resident who has lived with a severe spinal cord injury for 36 years, called the law “repugnant.”“The act tells people like me that they should qualify for suicide help, not suicide prevention,” said Curran, who is a quadriplegic, meaning he is paralyzed in all four limbs.”The act devalues people like me,” Curran continued in a press release shared with CNA. “I have led a full life despite my disability.” Daniese McMullin-Powell, who is representing Delaware ADAPT in the lawsuit, said that the medical system already neglects people with disabilities. “We do not need exacerbate its brokenness by adding an element where some patients are steered toward suicide,” said McMullin-Powell, who is a polio survivor and has used a wheelchair for most of her life. “For patients with serious disabilities, this law will put us at risk of deadly discrimination from doctors and insurance companies in Delaware to make subjective and speculative judgments based on their perception of our quality of life,” McMullin-Powell said, according to the press release. The legal group Ted Kittila of Halloran Farkas + Kittila LLP, who are representing the plaintiffs, called the law “ill-considered” and said it will “cause real harm to people who need real help.”“For too long, assisted suicide has been pitched as an act of mercy,” the group said in the press release. “For those in the disability community, it represents a real threat of continued discrimination.” The office of Gov. Meyer did not respond to a request for comment in time for publication.

unitedyam December 10, 2025

“For patients with serious disabilities, this law will put us at risk of deadly discrimination," says Daniese McMullin-Powell, a polio survivor who has used a wheelchair for most of her life. / Credit: Institute for Patients' Rights

CNA Staff, Dec 10, 2025 / 06:10 am (CNA).

Several disability and patient advocacy groups filed a lawsuit in the U.S. District Court in Delaware on Dec. 8 alleging that Delaware’s new physician-assisted suicide law discriminates against people with disabilities.

In May 2025, Delaware passed a bill legalizing physician-assisted suicide for terminally ill adults with a prognosis of six months or less to live. The law, which goes into effect Jan. 1, 2026, allows patients to self-administer lethal medication.

The 74-page complaint alleges that the new law is unconstitutional under both Delaware and federal law and violates the Americans with Disabilities Act as well as the Fourteenth Amendment’s Equal Protection Clause, among other challenges.

Plaintiffs include the Institute for Patients’ Rights; The Freedom Center for Independent Living, Inc., in Middletown; the Delaware chapter of ADAPT; Not Dead Yet; United Spinal Association, the National Council on Independent Living; and disability advocate Sean Curran.

The lawsuit, which names Gov. Matthew Meyer and the Delaware Department of Health and Human Services as two of several defendants, said that “people with life-threatening disabilities” are at “imminent risk” because of Delaware’s new law.

“Throughout the country, a state-endorsed narrative is rapidly spreading that threatens people with disabilities: namely, that people with life-threatening disabilities should be directed to suicide help and not suicide prevention,” the lawsuit read.

“At its core, this is discrimination plain and simple,” the lawsuit continued. “With cuts in healthcare spending at the federal level, persons with life-threatening disabilities are now more vulnerable than ever.”

The lawsuit alleges that, under the new law, people with life-threatening disabilities who express suicidal thoughts will be treated differently than other people who express suicidal thoughts. The new law lacks requirements for mental health screening for depression or other mental illness, “all of which are necessary for informed consent and a truly autonomous choice,” according to the lawsuit.

Curran, a Delaware resident who has lived with a severe spinal cord injury for 36 years, called the law “repugnant.”

“The act tells people like me that they should qualify for suicide help, not suicide prevention,” said Curran, who is a quadriplegic, meaning he is paralyzed in all four limbs.

“The act devalues people like me,” Curran continued in a press release shared with CNA. “I have led a full life despite my disability.”

Daniese McMullin-Powell, who is representing Delaware ADAPT in the lawsuit, said that the medical system already neglects people with disabilities.

“We do not need exacerbate its brokenness by adding an element where some patients are steered toward suicide,” said McMullin-Powell, who is a polio survivor and has used a wheelchair for most of her life.

“For patients with serious disabilities, this law will put us at risk of deadly discrimination from doctors and insurance companies in Delaware to make subjective and speculative judgments based on their perception of our quality of life,” McMullin-Powell said, according to the press release.

The legal group Ted Kittila of Halloran Farkas + Kittila LLP, who are representing the plaintiffs, called the law “ill-considered” and said it will “cause real harm to people who need real help.”

“For too long, assisted suicide has been pitched as an act of mercy,” the group said in the press release. “For those in the disability community, it represents a real threat of continued discrimination.”

The office of Gov. Meyer did not respond to a request for comment in time for publication.

unitedyam November 28, 2025

Co-founder Bob Hogan (left) and CEO and co-founder Daniel Cruz (right) are launching a pro-life health insurance plan that is in line with Catholic morality. / Credit: Courtesy of Presidio Healthcare

CNA Staff, Nov 28, 2025 / 07:00 am (CNA).

Two Texas pro-lifers are launching a health care plan that embraces Catholic life ethics, creating an ethical option for Christians.

Health insurance companies often cover things that are in tension with Catholic Church teaching or a Christian pro-life ethic, such as abortion, contraceptives, or assisted suicide.

Daniel Cruz and Bob Hogan founded the FortressPlan by Presidio Healthcare because they wanted a pro-life, Christian alternative.

“FortressPlan,” which launched in November, does not cover any health care offerings that go against Catholic teaching.

While making a start in Texas, the co-founders hope to expand across the U.S.

Hogan, co-founder of Presidio and an alum of Franciscan University of Steubenville in Ohio, said that health care sharing ministries “are largely unregulated and are not legally required to pay families’ medical bills,” which can “cause tremendous financial stress for families.”

As a more realistic alternative, he and Cruz “set out to create a real insurance company,” Hogan said in a statement shared with CNA.

Cruz spoke with CNA about the Catholic values behind the FortressPlan.

CNA: What makes Presidio Healthcare’s FortressPlan unique among insurance options in the U.S.?

Daniel Cruz: The FortressPlan stands out as the only health insurance plan that aligns with the culture of life. Unlike other insurers, it does not cover abortifacients, contraception, transgender treatments or surgeries, euthanasia, in vitro fertilization, or similar practices.

What makes the Fortress Plan pro-life and Christian? What inspired you to align the plan with the “Ethical and Religious Directives for Catholic Health Care Services”?

Presidio Healthcare Insurance Company is the first health insurer in the United States to be filed as a Catholic entity. Designed to respect the dignity of every person, the FortressPlan aligns with the “Ethical and Religious Directives [ERDs] for Catholic Health Care Services.”

The ERDs represent a formally recognized expression of Catholic moral doctrine, protected under federal conscience and religious-freedom laws, which allows us to operate in the private market with an authentically Catholic health plan. A major element of our mission is to promote life-affirming physicians and services, and the ERDs serve as a concrete guide to help us accomplish that aim.

What inspired you to launch the pro-life Christian health insurance option, the FortressPlan? What challenges have you faced in launching it?

I was approached by a former client to estimate the cost of an abortion for their health plan. This request ignited a passion to apply my skills as an actuary in a different direction.

After discovering that no insurance companies were entirely pro-life or that sharing ministries fell short of offering true financial protection for families, I decided to establish the first pro-life Christian insurance company.

What are your future goals for the FortressPlan and this movement toward pro-life, Christian insurance? How do you hope it will impact people?

Our future objectives include expanding nationwide and entering both the ACA [Affordable Care Act] and employer markets, building a well-recognized brand that represents Christian health care.