Liberty HealthShare Provides Non-Profit Healthcare Sharing as Alternative to Rising U.S. Insurance Costs

Liberty HealthShare offers a faith-based alternative to traditional health insurance, aiming to provide Americans with affordable healthcare sharing programs amid rising premiums and insurance claim denials across the U.S. healthcare market. Unlike conventional insurers, Liberty HealthShare operates on a non-profit basis and the biblical principle of members voluntarily sharing one another's eligible medical expenses without profit motives or shareholder interests. The ministry has facilitated the sharing of nearly $5 billion in medical expenses since 2014, maintaining transparency through accessible annual audits, IRS filings, and performance ratings from GuideStar and Charity Navigator. Members benefit from reduced out-of-pocket costs and have access to six different sharing programs tailored for individuals, families, and seniors, with monthly share amounts from $87 to $369 for individuals and starting at $319 for families of four. The programs also include telehealth services and prescription drug discounts, while dental care is available through a separate sharing program with no network restrictions. Liberty HealthShare’s member engagement emphasizes informed healthcare decisions, with a care team assisting in navigating service choices and pricing, distinguishing it from traditional payer/provider models. This approach has driven consistent increases in membership inquiries and a high satisfaction rate among members. The ministry, founded in 1995, also manages the Sharing Hearts Fund to assist families with pediatric wellness needs in Stark County, Ohio. It is important to note that Liberty HealthShare is not insurance and does not guarantee payment of medical bills, with all sharing being voluntary. Members remain responsible for any unpaid medical costs, and the ministry does not replace insurance coverage. This distinction is critical for compliance and consumer understanding within U.S. healthcare and regulatory frameworks, particularly as cost pressures and market availability challenges persist across insurance sectors.