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Liberty HealthShare Review
Freedom to choose your own healthcare
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Provider FreedomModerate Faith RequirementsComprehensive Coverage
Founded 2014
200,000+ members
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.
Rating Breakdown
Pricing & Costs
Monthly Cost Range
$229–$600/mo
Deductible / IUA Range
$1,000–$5,000
Max Sharing Amount
Up to $1,000,000 per incident
Varies by program level, age, and household size
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
No network — freedom to choose any provider
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
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