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Liberty HealthShare

Founded in 1995, Liberty HealthShare serves about 100,000 members from its base in Canton, Ohio. Liberty HealthShare is the program name for the Gospel Light Mennonite Church Medical Aid Plan, Inc. For over a decade, it has facilitated the sharing of nearly $5 billion in eligible, medical expenses among its members. Liberty has a variety of memberships to choose from, including a budget-friendly option for young adults and married couples without children, a catastrophic program for members under 35 years old, and an affordable option for those who are 65+ and on Medicare. These programs aim to help two specific groups often overlooked in the HealthShare industry: young adults and seniors.

Flexible statement of belief

Liberty HealthShare has a Christian-focus, but their requirements are more lenient than some other Christian HealthShares. Members must agree to the following beliefs:

  • personal rights and liberties are bestowed by God, not granted by government or men
  • that they have a biblical and ethical obligation to assist others
  • that it is a duty to have a healthy lifestyle and avoid anything that can cause bad health
  • that it is a right to direct their own healthcare free from government dictates, restraints, and oversight
  • every individual has the right to worship the God of the Bible according to scripture
  • that Jesus Christ is the only way by whom sins are forgiven and salvation is gifted

While this list includes items connected to Christianity, they are not laid out in a way that would prevent a non-Christian from joining. Additionally, Liberty HealthShare asks that members attend worship services regularly but does not specify what regularly means or have attendance at a specific church verified by a third-party. This might be of importance to potential members looking for more freedom to manifest their convictions outside of regular church attendance.

Member-to-member sharing

Liberty HealthShare uses a secure online portal called “ShareBox,” which facilitates transfers directly from member-to-member instead of first being deposited into a company bank account. The member contributes their monthly share amount, and Liberty will assign that contribution to another member in need. Members can see exactly where their membership dues go. Additionally, members can send messages of encouragement, prayer, and support directly to others in the community through the “PrayerBox” tool.

Liberty HealthShare places restrictions on sharing for pre-existing conditions. Costs for these conditions are not shareable until the member reaches their second year of membership. In the second and third years of membership, up to $50,000 of total medical expenses for a pre-existing condition may be shared. However, in the fourth year of membership, there are no limits and the condition is no longer considered pre-existing.

Liberty HealthShare has a national network of over 900,000 providers. However, members are free to choose their own providers and will never be penalized for seeing a doctor that does not participate in the network.

Noteworthy

Here is some of the top information we believe potential members might want to know about this HealthShare.

Key considerations

  • Tobacco and vape users not accepted
  • Program for members 65+ who are enrolled in Medicare
  • Program for members 18-29 years old
  • Catastrophic program for members 35 and under
  • Additional $65 monthly share amount for each family member over 4 people

Membership requirements

  • Live by biblical principles and agree to the Statement of Shared Christian Beliefs
  • Enrollment requires a complete medical history questionnaire

Pros

  • First true vision sharing program called Liberty Vision
  • True dental sharing program called Liberty Dental
  • Mental health counseling sessions through DialCare Therapy
  • DialCare telemedicine for non-emergencies
  • Annual wellness visit and related lab work, not subject to Annual Unshared Amount (AUA)
  • Mammogram and Cologuard screenings, not subject to AUA
  • Screening Pap smear eligible each year, not subject to AUA
  • Well baby visits including immunizations, not subject to AUA

Cons

  • Three-year lookback period for pre-existing conditions
  • Colonoscopy screenings subject to the AUA
  • Prenotification required in advance for procedures and major services, including maternity care
  • Two-month wait for any sharing; bills in the first two months of membership do not count toward AUA

Ideal candidates

  • Do not use tobacco or vape products
  • Want to help others directly

Check out two Liberty HealthShare programs in these videos

 

 

 Page Updated 11/18/2025

Website libertyhealthshare.org
Religious Requirements Christian; Non-denominational
Google Review Link google.com/search?q=liberty+healthshare&sxsrf=ALiCzsbgUaPe6EOJiuYrM4sv5hXRJWdSLA%3A1662569875919&source=hp&ei=k80YY7WmMpHZkPIP4Om3IA&iflsig=AJiK0e8AAAAAYxjbo7DHHNmQ0yIHFXDlALlHtU0XhcnF&ved=0ahUKEwj1u_O2k4P6AhWRLEQIHeD0DQQQ4dUDCAk&uact=5&oq=lib
Need Processing Time Typically 30-45 days
Caps $50,000 per year (Liberty Rise); $300,000 per incident or year (Liberty Freedom); $600,000 per incident (Liberty Essential); $1,000,000 per incident (Liberty Connect and Liberty Unite)
Personal Responsibility Per year AUA: Choice of $1,000 up to $20,000 (depending on plan, age, and household size); $500 AUA (Liberty Assist)
Pre-existing Limitations One year waiting period for pre-existing. Up to $50,000 in second and third year combined; Fully shared thereafter
Pre-existing exception(s) None
Wellness Visit Yes, up to $500 per year (not available on Liberty Freedom)
BBB Review Link bbb.org/us/oh/canton/profile/health-sharing-ministries/liberty-healthshare-0282-92006475
Preventive Immunizations Yes; within the first 13 months after birth; Not subject to AUA (not available on all plans)
Screening for Mammogram Yes, once every year starting at age 40; Not subject to AUA (not available on all plans)
Screening for Colonoscopy Yes, subject to AUA
Mental Health Yes, through DialCare Therapy; $0 consultation on certain plans
Provider Network PHCS national network, but not required to use it; free to choose your provider
Need Processing Method ShareBox (online portal)
Telemedicine DialCare Urgent Care, $0 consultation on certain plans
Startup Fee 135.00
Renewal Fee 75.00
Prescriptions Discounts available through GetMoreRX
Maternity Yes, with a 6-month waiting period; Subject to AUA; Available only on maternity-eligible plans
Membership Size 100,000
Community Start Date 1995

Reviews

HealthShare Guide 35 reviews
4.4 / 5
HealthSharing Reviews 461 reviews
1.4 / 5
Google 1360 reviews
4.5 / 5
Better Business Bureau 212 reviews
4.3 / 5
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Liberty HealthShare Options

Rise Assist Freedom Essential Connect Unite
Annual Out of Pocket Max No max $500 AUA $10,000-$20,000 AUA $4,000-$12,000 AUA $1,000-$3,000 AUA $1,000 - $2,250 AUA
Shareable Cost Per Need Varies; Limits set by expense type Remaining balance after Medicare Parts A and B Shared after AUA up to per incident limit Shared after 20% co-share and AUA up to per incident limit Shared after 10% co-share and AUA up to per incident limit Shared after AUA up to per incident limit
Max Sharing Per Need $50,000 per year $100,000 per year for all services $300,000 per incident or membership year $600,000 per incident $1,000,000 per incident $1,000,000 per incident
Extended Sharing NA NA N/A N/A N/A N/A
Doctor's Office Visits $25-$50 unshared amount; Up to $750 per year Subject to Medicare & AUA Subject to AUA Subject to 20% co-share and AUA Subject to 10% co-share and AUA Subject to AUA
Hospitalization Up to $1,250 per day Subject to Medicare & AUA Subject to AUA Subject to 20% co-share and AUA Subject to 10% co-share and AUA Subject to AUA
Emergency Care $500 unshared amount; Up to $1,000 per year Subject to Medicare & AUA Subject to AUA; $500 unshared amount Subject to 20% co-share and AUA; $500 unshared amount Subject to 10% co-share and AUA; $500 unshared amount Subject to AUA; $500 unshared amount
Prescriptions Discount program available* Discount program available* Discount program available* Sharing for 45 days per each new condition; Discount program available* Sharing for 45 days per each new condition; Discount program available* Sharing for 45 days per each new condition; Discount program available*
Maternity NA NA N/A Shared after 20% co-share and AUA; 6-month waiting period from membership start date; Up to $125,000* Shared after 10% co-share and AUA; 6-month waiting period from membership start date; Up to $125,000* Shared after AUA; 6-month waiting period from membership start date; Up to $125,000*
Note Program for members 18-29 years old Seniors 65 and older must have Medicare Parts A & B Medical Expenses of $200 or less should not be submitted and are not eligible for sharing Medical expenses of $200 or less in billed charges may not be shared, unless noted in the Sharing Guidelines Medical expenses of $200 or less in billed charges may not be shared, unless noted in the Sharing Guidelines Medical expenses of $200 or less in billed charges may not be shared, unless noted in the Sharing Guidelines
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Pre-approval: Some sharing requests may require pre-notification.

Pre-existing conditions: Eligible for sharing up to $50,000 total in the 2nd and 3rd year of membership. In the 4th year, expenses are fully shareable and no longer considered pre-existing.

*Maternity: Must be a member for at least 6 months preceding conception. Sharing limit up to $125,000 per pregnancy. Expenses are not eligible for sharing under the Liberty Rise or Liberty Assist program.

*Prescription Program: Additional discount program available. Without prescription program, costs are shareable only for the first 45 days of a new onset or illness/diagnosis with a $200 sharing limit.

 

 

Liberty HealthShare is not an insurance company nor is it offered through an insurance company. Liberty HealthShare’s Sharing Programs do not guarantee or promise that a member’s medical bills will be paid or assigned to others for payment. Whether anyone chooses to pay a member’s medical bills will be totally voluntary. As such, Liberty HealthShare’s Sharing Programs should never be considered as a substitute for an insurance policy. Whether a member receives any payments for medical expenses and whether or not Liberty HealthShare continues to operate, the member is always liable for any unpaid bills.

 

Have an opinion? We want to hear it!

Are you or have you been a member of Liberty HealthShare? Please leave a review below so others can get a better sense of what it’s like to be a part of a healthsharing ministry! If you have any questions about Liberty HealthShare, contact us!
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Reviews

  • Liberty HealthShare

    ByCreated Patricia DeRonde (2025-11-08 07:13:08)

    Liberty Health Share has assigned my account to a personal liaison and her name is Tracy Hughes. She is absolutely amazing and has given me the best customer service I have ever had with any company by far. She goes the second mile always, is patient with explaining things and re-explaining things to me when necessary and is always polite and professional on all 3-way conference calls when they are necessary.
    At the end of the day when someone feels trapped by insurance complications and seems to come to the conclusion that there are just no answers, it is incredibly important for the the insured to sense that they are being understood and their situation cared for in a firm and timely manner. Tracy has completely turned my mourning to dancing with the complicated matters I have undergone and is a real tiger to tackle these situations in the kindest way. She is always available for even the smallest questions and always returns my emails and phone calls. I could go on and on but suffice to say that Liberty Health Share and Tracy Hughes get a gold star in my book and Tracy needs a promotion and a big fat raise! Thank you so much

  • Liberty HealthShare

    ByCreated Jessica McEachern (2025-10-09 08:52:44)

    I've been with Liberty HealthShare for almost 2 years now and have had no complaints whatsoever. As a small business owner in a state where health insurance is ridiculously expensive and a hassle to deal with, they offered such an appealing alternative. The monthly share amount is so much more affordable, and their customer service representatives go out of their way to answer any questions I have regarding my plan or resolve any medical billing issues with kindness and understanding, Karla in particular during my most recent phone call. I'm also considering adding their dental plan. Bless you all for the work you do.

  • Liberty HealthShare

    ByCreated Gemma (2025-10-03 07:01:47)

    I had a fantastic experienced with Liberty Healthshare. From the moment I contacted them they were responsive and accommodating.

  • Liberty HealthShare

    ByCreated Craig Wood (2025-09-26 08:24:28)

    I have been extremely impressed with the health care assistance that I have received from Liberty HealthShare. They have always been easy to work with when I have needed pre-authorization or when sharing medical costs. They are head and shoulders above any public insurance company that I have had in the past. Their Christain values and way of doing business is a real plus in today's world. Without hesitation, I would recommend them to anyone who is looking for ways to share medical expenses with other people that hold the same moral and family values.

  • Liberty HealthShare

    ByCreated Russell Sage (2025-09-18 15:33:54)

    I had issues with some balance billing from UH (Again) and Sally went over and beyond to help me.

  • Liberty HealthShare

    ByCreated Meleata Adamson (2025-09-09 10:04:34)

    I’ve recently started Medicare so it saddened me to cancel my amazing policy with LibShare. What a blessing they have been! In 2022, hubby and I both had heart attacks, one with stent and one with triple bypass. Within 4 months of submitting, we were paid in full for all our care. Amazing folks and service. I’d recommend LS to anyone! Great experience all around. My many calls into LS were met with kindness and helpful spirits, even encouraging words. My full and complete recommendation for LS!

  • Liberty HealthShare

    ByCreated Jennifer Fleischer (2025-09-08 13:41:01)

    Once again, I’m so grateful for Liberty HealthShare. Their customer seevice was kind, responsive and resolved my issue quickly.

  • Liberty HealthShare

    ByCreated Karen Langston (2025-08-25 15:10:39)

    What I love about Liberty Health Share is the fact you can call them and they will get on the phone with the medical facilities billing department to help solve any issues. Today I worked with Karla and she helped move the process along quicker than I could. Thank you Karla.

  • Liberty HealthShare

    ByCreated Susan Walker (2025-08-25 13:11:08)

    This program has been, for the most part, a sensible and cost effective alternative to buying insurance on the marketplace. It does require research and legwork on the part of the member to find the best pricing for care, ( ie using a Direct specialty care surgery center) and collecting the right paperwork to submit. Once you get the hang of it it's totally worth it.

  • Liberty HealthShare

    ByCreated Everett Yoder (2025-08-25 12:53:23)

    Theresa was very helpful and answered all of my questions!

  • Liberty HealthShare

    ByCreated Nicci Renouard (2025-08-12 14:57:07)

    We have used Liberty Healthshare since 2019. Kind customer service reps. Satisfied.

  • Liberty HealthShare

    ByCreated Jordan Huntley (2025-08-08 09:17:39)

    I have always loved this company and they have always done a great job with customer service, answering questions and guiding me through the provider/healthshare relationship!

  • Liberty HealthShare

    ByCreated Suzi kuenster (2025-07-29 06:08:39)

    Long time member of Liberty Health Share. Outstanding company, Professional, Helpful, great policy choices.

  • Liberty HealthShare

    ByCreated Aaron Rosenzweig (2025-07-21 09:54:12)

    This is a good place to get health care in the USA when you are on your own and not part of a group policy. Liberty is honest and works hard to help you get the health care you need.

  • Liberty HealthShare

    ByCreated Mick Margritz (2025-07-16 09:06:55)

    We have been very happy with Liberty Health Share. If I have any questions they are always helpful to make sure I get my questions answered.

  • Liberty HealthShare

    ByCreated Derek Mandel (2025-07-10 15:10:30)

    Excellent and prompt customer service from Liberty Healthshare representatives. Very courteous and polite.

  • Liberty HealthShare

    ByCreated Tony Mascher (2025-07-02 11:39:23)

    I am a long-time member, and Liberty has been the best available option in place of regular Insurance. It was easy to find care providers in my area who accept Liberty by using the lookup link. Connecting with phone reps has always been prompt and courteous, and Joshua was excellent at explaining and walking me through a process I did not fully understand.

  • Liberty HealthShare

    ByCreated Jim Brumfield (2025-06-27 08:24:00)

    Liberty has been a life saver for me. Affordable option for health insurance. I had quadruple bypass surgery in 2017 and they covered my medical expenses. In august last year I suffered multiple strokes and was in hospital for three weeks. Again my expenses were covered. No, it’s not always easy but no insurance is.

  • Liberty HealthShare

    ByCreated Mindy Scheer (2025-06-07 11:35:52)

    We have been using Liberty Healthshare for many years. I am always amazed at their prompt service and how helpful the customer service agents are! If an authorization is needed they are so easy to contact, I never dread calling them. I love this company!

  • Liberty HealthShare

    ByCreated Tina Spring (2025-06-06 08:25:37)

    I had breast cancer in 2023, and an additional unexpected surgery in 2024. I don't know what I would have done if I didn't have LibertyShare. They were kind and helpful and helped me through a process I didn't understand. LibertyShare was and is a blessing to me.

  • Liberty HealthShare

    ByCreated Scott Finley (2025-05-31 16:52:34)

    Been a member for 5+ years and very pleased. Easy to process claims, help with providers demanding full payments and overall very professional and courteous.

  • Liberty HealthShare

    ByCreated Doug F (2025-05-22 17:19:22)

    I’ve been with Liberty Healthshare for around 5 years now and have had a great experience. Would recommend!

  • Liberty HealthShare

    ByCreated Michelle Searle (2025-05-17 16:14:46)

    I love LHS, which is why I have been with them now for close to 10 years. What I like most is that the deductible & monthly premium is reasonable, most of my doctors accept them (if not I get reimbursed for most of the cost) & the premium money that I don't use is actually going to another member who needs it (this is the beauty of community & how we are meant to walk in this world....not just fending for ourselves). They also cover some alternative therapies (which is most of my use). I hope they will cover more in the future, as we move away from heavy pharmaceuticals. Tracy S is my favorite customer service rep thus far (super knowledgeable, patient & kind), thank you.

  • Liberty HealthShare

    ByCreated Richard Vogel (2025-05-07 13:54:21)

    We have had Liberty Healthshare for almost 4 years and we have nothing but positive things to say! The people are always prompt and helpful! They are quick to answer the phone and always give us as much time as we need!

  • Liberty HealthShare

    ByCreated Steven Vanderbos (2025-05-06 05:03:49)

    I have been glad to be a Liberty member . had several issues over the years , and Liberty has settled them in a reasonable time pattern. I would reccomend them.

  • Liberty HealthShare

    ByCreated Patricia Cella (2025-04-25 11:02:44)

    I have been a member of Liberty Health Share for 3 years now, and have never had any concerns. Their membership is very reasonable. Their app is super easy to navigate and self explanatory. They have a lot to offer!
    I never had a reason to call them except until today. I received a bill from my doctors office so I called them to inquire why I owed them so much, which was very unusual. My doctors office told me they could not figure out why I had such a high bill and to call Liberty Health Share. I had the pleasure of speaking with Antonette, she was awesome. She took the time to answer all my questions and explained everything to me, and advised me on how to move forward with my doctors office. Antonette was very kind funny and sweet. As it turns out I was over charged by about $700.00 .
    Thank you Liberty Health Share and Antonette you guys are great.

  • Liberty HealthShare

    ByCreated Eva Marie McCarty Valdes (2025-04-16 08:38:43)

    My husband and I have had Liberty HealthShare for at least 7 years. Liberty Healthshare offers multiple options for families and individuals that are financially reasonable. Much more cost effective than health insurance. Pretty much everything is covered even thermography (instead of painful mammograms) and their customer service is staffed by people in the US and they are all knowledgeable, patient and kind. I highly recommend Liberty HealthShare!!!

  • Liberty HealthShare

    ByCreated Doug Chalmers (2025-04-03 12:36:33)

    Had an unexpected health issue in 2022 and Liberty Healthshare covered all expenses beyond AUA and percentage described. My $200,000 plus medical bills were handled by Liberty as described in their contract. Very fortunate to have them and saving so many hundreds of dollars monthly as compared to traditional health insurance premiums. I have converted to their Liberty Assist program this year as I turned 65. This plan covers the 20% gap, beyond Medicare coverage, after AUA. Highly recommend Liberty Healthshare.

  • Liberty HealthShare

    ByCreated Donna Sorenson (2025-04-03 11:01:50)

    I have been a member of Liberty HealthShare since 2017. In the last couple of years they have been much more prompt in paying my providers. In my Share Box I like that I can see when they have received bills from my providers, when they have been processed, the amount that is shareable, and when they are paid. They have been helpful when I have had questions. Overall I have been happy with Liberty Healthshare.
    Donna Sorenson

  • Liberty HealthShare

    ByCreated Joy Gatlin (2023-02-25 12:39:32)

    ANd this is why there are so many negative reviews: https://www.propublica.org/article/liberty-healthshare-healthcare-sharing-ministries-obamacare

  • Liberty HealthShare

    ByCreated Dean Volwiler (2022-12-25 11:17:10)

    I would give negative stars if I could. I had cancer in 2020 and I still have over $43,000 in unpaid claims from Liberty. Stay away from these people at all costs.

  • Liberty HealthShare

    ByCreated Valarie Theurer (2022-12-13 10:17:40)

    I'm giving three stars for the awesome customer service representatives, they deserve FIVE STARS!!! The program itself deserves zero stars--at this writing in December 2022 I still have claim payments that were approved for sharing after I met my AUA that have never been paid. I was even sent to collections because the agreed payments were never paid. Every month my membership payments are made--never late and never missed. Too bad I couldn't receive the same treatment back. I'm outta here! Good luck to whoever chooses to sign up with Liberty Healthshare

  • Liberty HealthShare

    ByCreated NMarie (2022-09-13 09:06:09)

    I had surgery April 2021, as of September 2022, they have still NOT paid for it. I had prior authorization for the procedure.

  • Liberty HealthShare

    ByCreated suz (2022-09-07 17:13:10)

    I paid my premium monthly, never late. They actually went up on the cost but failed to pay my doctor bills and now I've been turned into collections. I had impeccable credit, until now. This bill was from well over a year ago and still they do not have the funds to pay it.

  • Liberty HealthShare

    ByCreated Joy Gatlin (2022-04-11 17:52:12)

    you know there is a problem when there is a class action lawsuit, a settlement with the AG of Ohio, 1000 complaints with the AG of OHio and even more with t he BBB.

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