Liberty HealthShare

Founded in 2014, Liberty HealthShare serves about 90,000 members from its Ohio base. Liberty HealthShare is the program name for the Gospel Light Mennonite Church Medical Aid Plan, Inc. Liberty has a variety of memberships to choose from, including two new programs launched in September 2022: Liberty Rise and Liberty Assist. These new programs aim to help two specific groups often overlooked in the HealthShare industry: seniors and young adults.

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 in his or her own way

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 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 uses a payment method called “ShareBox,” which facilitates transfers directly from member-to-member instead of first being deposited into a company bank account. Each month, members are assigned a specific need that they must contribute toward by the end of the month. Members can see exactly where their membership dues go. Additionally, members can send messages of encouragement, prayer, and healing directly to others in the community. Interestingly, Liberty HealthShare values member privacy, and permits members to choose how their names appear on their accounts. Member diagnoses are hidden so only the medical expense can be seen.

Pre-existing conditions and provider choice

Liberty places restrictions on sharing for pre-existing conditions. No costs for these conditions are shareable until the member reaches their second year of membership. However, in the fourth year of membership, there are no limits on pre-existing conditions.

Because Liberty HealthShare does not have a recommended provider network, members are free to choose their own providers. Liberty members use Healthcare Bluebook to find reasonably priced healthcare.


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 over age 65

Membership requirements

  • Live by biblical principles and agree to statement of beliefs
  • Enrollment requires medical questionnaire


  • May share in medical tourism
  • DialCare mental wellness program
  • End of life assistance $3,000-$10,000
  • Annual preventive visit not subject to AUA
  • Mammogram and Cologuard screenings not subject to AUA
  • Screening Pap smear eligible each year, not subject to AUA
  • Screening Mammogram eligible once a year after age 50; every other year up to age 49, not subject to AUA
  • Membership includes access to the Healthcare BlueBook


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

Ideal candidates

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


Check out the latest offerings from Liberty HealthShare in these videos


 Page Updated 03.01.23

Religious Requirements Christian
Need Processing Time 100+ days
Caps $600,000 (Liberty Essential) to $1,000,000 (Liberty Connect and Liberty Unite) per incident
Personal Responsibility $1,000 - $12,000 AUA
Pre-existing Limitations Yes; 1st year wait; Fully shared after 3rd year
Wellness Visit Yes, $750 shareable
Preventive Immunizations Yes; subject to AUA
Screening for Mammogram Yes; 1 per year after age 50
Screening for Colonoscopy Yes; subject to AUA
Mental Health DialCare Mental Wellness
Need Processing Method Reimbursement
Telemedicine Yes
Startup Fee 135.00
Renewal Fee 75.00
Prescriptions Discount program
Maternity Yes
Membership Size 90,000
Community Start Date 2014


HealthShare Guide 6 reviews
1.3 / 5
HealthSharing Reviews 429 reviews
1.4 / 5
Google 1119 reviews
3.7 / 5
Yelp 534 reviews
1.5 / 5
Better Business Bureau 219 reviews
1.3 / 5
0 1.0 2.0 3.0 4.0 5.0

Liberty HealthShare Options

Rise Assist Essential Connect Unite
Annual Out of Pocket Max No max $1,500 $4,000-$12,000 $1,000-$3,000 $1,000 - $2,250
Shareable Cost Per Need Varies; Limits set by expense type Remaining balance after Medicare A&B 100% after AUA up to per incident limit 100% after AUA up to per incident limit 100% after AUA up to per incident limit
Max Sharing Per Need $50,000 limit per year Unspecified $600,000 $1,000,000 $1,000,000
Extended Sharing NA NA
Doctor's Office Visits Yes, $25 unshareable; $750 shared/year Subject to Medicare & AUA Yes, annual visit Yes, annual visit Yes, annual visit
Hospitalization Yes, $1,250 shareable per day Subject to Medicare & AUA Subject to AUA Subject to AUA Subject to AUA
Emergency Care Yes, $500 unshareable; $1000 shared/year Subject to Medicare & AUA Subject to AUA Subject to AUA Subject to AUA
Prescriptions NA Discount program available Yes Yes Yes
Maternity NA NA Yes, after 6 months membership Yes, after 6 months membership* Yes, after 6 months membership*
Note Program only open to new members Contact Liberty for specific details about how this program would work for you *For maternity to be shared, conception must be 6 months after start date *For maternity to be shared, conception must be 6 months after start date *For maternity to be shared, conception must be 6 months after start date
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Pre-approval: Some sharing requests may require pre-approval.

Pre-existing conditions: Eligible for sharing at up to $50,000 in the 2nd year of membership; pre-existing conditions are fully shareable from third year on

Maternity: Conception has to be 6 months after joining.

DPC Membership: DPC membership fees can be partially reimbursed.

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!
Review Form


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

    ANd this is why there are so many negative reviews:

  • 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.

  • 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

  • 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.

  • 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.

  • 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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