Is it permissible for residents of America, where healthcare costs are very high, to obtain health insurance out of necessity and need, acting upon the words of Allah Almighty: "But whoever is forced by necessity, neither craving it nor exceeding its [right] limit, there is no sin upon him"?

The resolutions of theFقهي (Islamic Jurisprudence) Council are not specific to a particular country or situation; rather, they consider the diversity of environments and conditions. What the Council has resolved regarding the prohibition of insurance is correct. A Muslim should rely on Allah, and Muslims should strive to establish cooperative funds to mitigate risks and confront crises.