— Reduced out-of-pocket costs for members in 2025
— Highly rated by non-profit evaluators and members
— Facilitated sharing of nearly $5 billion
Americans are increasingly worried about their healthcare and the costs of insurance. The headlines say it all.
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Health insurance companies want the largest premium increases in more than 5 years.– Insurance industry is making record profits.– Insurance claim denials harm patient's health and finances.– Budget cuts may cause 17 million people to lose health insurance.– Obamacare premiums to increase 75%.
For 30 years, Liberty HealthShare®has been at the forefront of supporting Americans who don't know where to turn when faced with situations such as these.
“People not only want affordability and flexibility, they want transparency, reliability, and trust,” said Dorsey Morrow, Liberty HealthShare chief executive officer. “They want someone who works as a partner in helping them manage their family's health.”
With an eye on affordability, Liberty HealthShare has reduced out-of-pocket costs for members in all of its healthcare sharing programs this year. “While healthcare costs rise across the country, we are providing our members with greater value at lower costs,” said Morrow.
Liberty HealthShare, the nation's most comprehensive healthcare sharing ministry, ranks among the country's best non-profit organizations for transparency and accountability. It is the only healthsharing organization in the United States to hold both Candid's 2025 GuideStar Gold Seal and Charity Navigator's 4-Star rating.
Visitors to Liberty HealthShare's website can easily find its annual audit report, IRS Form 990, sharing statistics, sharing guidelines, and information about monthly share amounts for its various programs.
As Liberty HealthShare is a non-profit ministry supporting Christians around the country, it operates differently from health insurance companies. It functions on the biblical principle of bearing one another's burdens, with voluntary monthly contributions from members funding the sharing of eligible medical expenses within the community.
“Our focus is on our members, not on shareholders or next quarter's profit,” said Morrow. “We are here to help facilitate sharing between our members. We are not driven by profit. After deducting a small percentage to operate the ministry, the contributions coming in should equal the contributions that go out.”
Last year, these contributions resulted in the sharing of more than $454 million in billed medical charges, which were repriced to just over $154 million, saving members more than $300 million. Since 2014, Liberty HealthShare has facilitated the sharing of nearly $5 billion in eligible, repriced medical expenses for its members.
Liberty HealthShare encourages members to take an active role in their healthcare decisions rather than passively accepting provider recommendations and insurance company authorizations.
“Our Member Care team takes the time to talk with members to help them understand what healthcare service is being delivered and challenging some of the decisions that are being made, including what they're being charged and why. We work in partnership with our members to get them the care they need at an affordable cost.”
This difference is proving to be popular and has led to consistent growth in inquiries and enrollments for nearly two years.
In a member survey earlier this year, nearly 80% said they were satisfied or very satisfied with their Liberty HealthShare membership. These members aren't keeping their views to themselves. The ministry enjoys a 4.5-star rating on Google, 4.4 stars on Trustpilotand has an A+ rating with the Better Business Bureau.
Established in 1995, Liberty HealthShare provides a cost-effective, faith-based alternative to health insurance. Members enjoy the freedom to choose their own providers while participating in a compassionate, Christian community. Transparency and stewardship are central, with programs tailored for families, seniors, and individuals.
Liberty HealthShare offers six affordable medical cost sharing programsthat are designed to fit the needs and budgets of individuals as well as different types and sizes of families. Suggested monthly share amounts for individuals range from $87-$369. Share amounts for families of four start at $319 per month. Most programs include access to both urgent care and mental wellness telehealth visits along with access to discounts for prescription drugs and more.
Liberty Dental, the ministry's dental sharing program, features suggested monthly share amounts as low as $35 and allows members to see the dentist of their choice without any network restrictions.
As Liberty HealthShare is not insurance, enrollment is available year-round with no requirement for special life events to qualify. For more information about its sharing programs visit LibertyHealthShare.orgor call (855) 585-4237.
Earlier this year, Liberty HealthShare established the Sharing Hearts Fundfor Pediatric Wellness, a charitable arm of the ministry that provides support to Stark County, Ohio families with medical needs related to pediatric wellness. Applications for the fund's second round of grants will be available September 1.
Liberty HealthShareis a non-profit 501(c) (3) charitable Christian medical cost-sharing ministry focused on members helping each other in times of need. The faith-based program, which facilitates healthsharing for its members, is a caring community of health-conscious individuals and families who choose to support one another and agree to the Christian values of stewardship to make healthcare affordable for all.
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.
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SOURCE Liberty HealthShare
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