Liberty HealthShare Review
Freedom to choose your own healthcare
Last verified: March 1, 2026
Our Verdict
Liberty HealthShare offers a range of sharing programs designed around personal choice and flexibility. Members can choose their own doctors and facilities without network restrictions. The ministry offers several program levels with varying monthly shares and Annual Unshared Amounts. Liberty has faced some controversy regarding delayed sharing payments but has been working to improve operations.
👥 Who Liberty HealthShare is Best For
- Provider Freedom
- Moderate Faith Requirements
- Comprehensive Coverage
Rating Breakdown
Pricing & Costs
Plans from $85/mo to $1,239/mo. Any provider with network discounts available.
Coverage Details
| Maternity | ✓ | Available on select programs after waiting period |
| Mental Health | ✓ | Limited mental health sharing available on some programs |
| Telemedicine | ✓ | Included |
| Prescriptions | ✓ | Prescription sharing available as part of medical incidents |
| Preventive Care | ✓ | Wellness visits included on SharePower programs |
| Dental & Vision | ✗ | Available as add-on program |
Network & Requirements
Network Type
Any Provider
Any provider — network discounts available through partner networks
Religious Requirement
Yes
Must agree to shared moral and ethical beliefs; less strict than some ministries
Waiting Period
None
Pre-Existing Conditions
24-month waiting period
Pros & Cons
👍 Pros
- Complete freedom to choose any healthcare provider
- Multiple program levels for different needs
- Includes telemedicine and some preventive care
- Less strict religious requirements than competitors
👎 Cons
- History of delayed sharing payments (improving)
- Customer service has received mixed reviews
- Higher starting costs than some alternatives
- Has undergone leadership changes
📋 How the Claims Process Works
- Receive Medical Care: Visit any provider (check network for discounted rates). Pay your provider directly.
- Pay Your IUA: Cover your Initial Unshareable Amount (deductible) out-of-pocket first: $1,000–$5,000.
- Submit Bills: Send your eligible medical bills to Liberty HealthShare via their online portal or mobile app.
- Review Process: Liberty HealthShare reviews your bills for eligibility based on program guidelines (typically 15-30 days).
- Community Shares: If approved, the community shares (pays) your eligible medical expenses up to Up to $1,000,000 per incident per incident.
Important: Health sharing is not insurance. There are no legal guarantees that your bills will be paid. Sharing is based on program guidelines and community participation.
⏳ Pre-Existing Conditions Policy
Liberty HealthShare has a 24-month waiting period for pre-existing conditions. This means:
- Waiting period: Medical expenses related to pre-existing conditions are not eligible for sharing during the first 24 months of membership.
- After waiting period: Once the waiting period is complete, eligible expenses related to pre-existing conditions may be shared according to program guidelines.
- What qualifies: A pre-existing condition is any illness, injury, or medical condition for which you received treatment, diagnosis, or advice in the 12 months before joining.
This is standard across most health sharing programs and differs significantly from ACA-compliant insurance, which must cover pre-existing conditions immediately.
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