Healthcare costs continue rising nationwide, but Liberty HealthShare offers an alternative approach focused on affordability and transparency. Understanding what you'll actually pay before your medical expenses are eligible for sharing is essential when evaluating healthcare sharing options.
What's the lowest monthly sharing contribution? Excluding Liberty Assist, which is just for seniors on Medicare, Liberty Freedom has the lowest voluntary monthly sharing contribution amount at just $89/month.
What's the maximum per-incident sharing limit? You have the opportunity to receive up to $1,000,000 per incident in sharing from your fellow members with the Liberty Connect and Liberty Unite sharing programs.
What's the AUA and how does it work? The Annual Unshared Amount (AUA) is the amount you pay before your medical expenses become eligible for sharing. It varies by program, from $500 (Liberty Assist) upward.
Which programs have Co-shares? The Co-share is the amount of a sharable medical expense that the member must pay after their AUA is met and without the opportunity for sharing from Liberty HealthShare’s members. Liberty Essential has a 20% Co-share; Liberty Connect has a 10% co-share; Liberty Rise has Co-shares that are dependent on service. Liberty HealthShare’s other programs do not have a Co-share.
What expenses are typically not eligible for sharing? Expenses associated with unhealthy choices, voluntary/cosmetic procedures (with limited exceptions), and expenses $200 or less in billed charges are not eligible for sharing. See the full Sharing Guidelines for complete details.
Can I enroll year-round? Yes. Liberty HealthShare accepts new members year-round with no requirement for qualifying life events.
Do I choose my own doctors? Yes. Members have freedom to choose their own healthcare providers.
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|
Program |
Eligible Ages/Requirements |
Monthly Sharing Contribution |
AUA |
Co-Share |
Sharing Limit Per Incident |
Learn More |
|
Liberty Freedom |
35 or younger |
$89 |
$10,000 |
0% |
$300,000 per incident or per year |
|
|
Liberty Rise |
18-29 years old |
$99 |
N/A |
0% |
$50,000 per year for limited services |
|
|
Liberty Assist |
65+ with Medicare Parts A & B |
Starting at $87 |
$500 |
0% |
$100,000 per year |
|
|
Liberty Essential (Under 35) |
All eligible ages |
$160 |
$4,000 |
20% |
$600,000 |
|
|
Liberty Essential (35-49) |
All eligible ages |
$180 |
$4,000 |
20% |
$600,000 |
|
|
Liberty Essential (50+) |
All eligible ages |
$221 |
$4,000 |
20% |
$600,000 |
|
|
Liberty Connect (Under 35) |
All eligible ages |
$211 |
$1,000 |
10% |
$1,000,000 |
|
|
Liberty Connect (35-49) |
All eligible ages |
$241 |
$1,000 |
10% |
$1,000,000 |
|
|
Liberty Connect (50+) |
All eligible ages |
$281 |
$1,000 |
10% |
$1,000,000 |
|
|
Liberty Unite (Under 35) |
All eligible ages |
$261 |
$1,000 |
0% |
$1,000,000 |
|
|
Liberty Unite (35-49) |
All eligible ages |
$312 |
$1,000 |
0% |
$1,000,000 |
|
|
Liberty Unite (50+) |
All eligible ages |
$362 |
$1,000 |
0% |
$1,000,000 |
|
|
Liberty Dental |
Existing members add-on |
$35 |
N/A |
N/A |
$2,000 per membership year |
|
|
Liberty Vision |
Existing members add-on |
$7 |
N/A |
N/A |
See program details |
|
Program |
Eligible Ages/Requirements |
Monthly Sharing Contributions |
AUA |
Co-Share |
Sharing Limit Per Incident |
Learn More |
|
Liberty Freedom |
35 or younger |
$169 |
$15,000 |
0% |
$300,000 per incident or per year |
|
|
Liberty Essential (Under 35) |
All eligible ages |
$261 |
$8,000 |
20% |
$600,000 |
|
|
Liberty Essential (35-49) |
All eligible ages |
$312 |
$8,000 |
20% |
$600,000 |
|
|
Liberty Essential (50+) |
All eligible ages |
$382 |
$8,000 |
20% |
$600,000 |
|
|
Liberty Connect (Under 35) |
All eligible ages |
$342 |
$2,000 |
10% |
$1,000,000 |
|
|
Liberty Connect (35-49) |
All eligible ages |
$392 |
$2,000 |
10% |
$1,000,000 |
|
|
Liberty Connect (50+) |
All eligible ages |
$493 |
$2,000 |
10% |
$1,000,000 |
|
|
Liberty Unite (Under 35) |
All eligible ages |
$463 |
$1,750 |
0% |
$1,000,000 |
|
|
Liberty Unite (35-49) |
All eligible ages |
$514 |
$1,750 |
0% |
$1,000,000 |
|
|
Liberty Unite (50+) |
All eligible ages |
$655 |
$1,750 |
0% |
$1,000,000 |
|
|
Liberty Dental |
Existing members add-on |
$69 |
N/A |
N/A |
$2,000 per membership year |
|
|
Liberty Vision |
Existing members add-on |
$13 |
N/A |
N/A |
See program details |
|
Program |
Eligible Ages/Requirements |
Monthly Sharing Contributions |
AUA |
Co-Share |
Sharing Limit Per Incident |
Learn More |
|
Liberty Freedom |
35 or younger |
$319* |
$20,000 |
0% |
$300,000 per incident or per year |
|
|
Liberty Essential (Under 35) |
All eligible ages |
$503* |
$12,000 |
20% |
$600,000 |
|
|
Liberty Essential (35-49) |
All eligible ages |
$594* |
$12,000 |
20% |
$600,000 |
|
|
Liberty Essential (50+) |
All eligible ages |
$735* |
$12,000 |
20% |
$600,000 |
|
|
Liberty Connect (Under 35) |
All eligible ages |
$645* |
$3,000 |
10% |
$1,000,000 |
|
|
Liberty Connect (35-49) |
All eligible ages |
$756* |
$3,000 |
10% |
$1,000,000 |
|
|
Liberty Connect (50+) |
All eligible ages |
$948* |
$3,000 |
10% |
$1,000,000 |
|
|
Liberty Unite (Under 35) |
All eligible ages |
$857* |
$2,250 |
0% |
$1,000,000 |
|
|
Liberty Unite (35-49) |
All eligible ages |
$1,007* |
$2,250 |
0% |
$1,000,000 |
|
|
Liberty Unite (50+) |
All eligible ages |
$1,250* |
$2,250 |
0% |
$1,000,000 |
|
|
Liberty Dental |
Existing members add-on |
Starting at $129* |
N/A |
N/A |
$2,000 per membership year |
|
|
Liberty Vision |
Existing members add-on |
Starting at $25* |
N/A |
N/A |
See program details |
*$65 additional monthly sharing contribution for each additional member over 4 people.
When evaluating what you'll actually pay in healthcare sharing (before your medical expenses are eligible for sharing), focus on three key numbers:
2025 Cost Reductions: A Year of SavingsThroughout 2025, Liberty HealthShare consistently reduced costs for members:
October 1, 2025: Monthly sharing contributions for the three most popular sharing programs (Liberty Unite, Liberty Connect, Liberty Essential) were reduced by up to $26/month, with Co-Share percentages also reduced for two programs (Liberty Connect, Liberty Essential)
July 1, 2025: Wellness visit expense sharing limit increased by 25%
May 2025: Liberty Rise monthly sharing contribution reduced from $122 to $99/month (19% reduction)
Earlier in 2025: Liberty Assist Annual Unshared Amount reduced by two-thirds to just $500
These reductions contrast with broader healthcare market trends where health insurance premiums have continued rising.
It's important to understand how sharing limits work:
Per-Incident Limits: Liberty Essential, Liberty Connect, and Liberty Unite provide the opportunity for member sharing for eligible expenses up to their maximum per medical incident limit. This means treatments for individually diagnosed conditions each has its own sharing limit.
Annual Limits: Liberty Freedom provides the opportunity for member sharing up to $300,000 per incident or per membership year, whichever occurs first. Liberty Rise provides the opportunity for member sharing for up to $50,000 per year for limited services. Liberty Assist provides the opportunity for member sharing for up to $100,000 per year.
Always review your specific program's Sharing Guidelines for complete details on limits and definitions.
Liberty HealthShare provides transparency through concrete scenarios showing how costs are shared by Liberty HealthShare members. These examples assume the member has already met his or her Annual Unshared Amount (AUA):
Office Visit Example ($200)
MRI Scan Example ($2,000) For a Liberty Essential member (20% co-share) who has met his or her AUA:
Surgery Example ($25,000) For a Liberty Connect member (10% co-share) who has met his or her $1,000 AUA:
Cancer Treatment Example ($150,000) For a Liberty Unite member (0% co-share) who has met his or her AUA:
Important: These examples assume eligible medical expenses after the AUA has been met. Members must pay their AUA, any applicable co-share percentage, and expenses that are not eligible for sharing according to their program's Sharing Guidelines regardless of any sharing by Liberty HealthShare members.
Most Liberty HealthShare programs include features that reduce overall healthcare spending:
Exclusive Dental and Vision Sharing Programs:
Liberty HealthShare is the only healthcare sharing ministry to offer supplemental dental and vision sharing programs for existing members:
These optional add-on programs give Liberty HealthShare members additional sharing options beyond medical expenses alone.
Telehealth Services:
Prescription Savings:
Cost Transparency Tools:
Wellness Sharing Eligibility: Eligible members have access to the following wellness services which are not subject to AUA requirements:
Eligibility and waiting periods vary by program. See your program's Sharing Guidelines for complete details.
Healthcare sharing programs may have limitations.
Waiting Periods: Most programs (Liberty Unite, Liberty Connect, Liberty Essential, Liberty Rise) have a two-month waiting period during which only expenses related to accidents, acute illnesses, or injuries are eligible for sharing. Other eligible expenses become eligible for sharing after this period.
Pre-Existing Conditions: Limitations may apply. Review your program's Sharing Guidelines for specific details.
Non-Shareable Expenses: Generally, expenses associated with unhealthy choices, voluntary/cosmetic procedures (with some exceptions), and certain other categories are not eligible for sharing. Each program has specific exclusions detailed in the Sharing Guidelines.
Not Insurance: Liberty HealthShare is not insurance. Sharing is voluntary and not guaranteed. Members remain liable for their medical bills.
For complete details on what is and isn't shareable, review the full Sharing Guidelines.
Liberty HealthShare accepts new members year-round with no requirement for qualifying life events. This flexibility allows individuals and families to join when it makes financial sense for them.
Financial Accountability and TransparencyLiberty HealthShare holds Candid's 2025 GuideStar Gold Seal and Charity Navigator's 4-star rating, and maintains an A+ rating with the Better Business Bureau. These recognitions reflect the ministry's financial accountability and transparency.
The ministry's efficient financial management has enabled cost reductions. Liberty HealthShare dedicates the substantial majority of every dollar to member medical expense sharing.
According to an internal member survey from earlier in 2025, nearly 80% of respondents reported being satisfied or very satisfied with their Liberty HealthShare membership.
The ministry's chief executive officer Dorsey Morrow explains the philosophy: "Our focus at Liberty HealthShare is on our members. We are here to help facilitate sharing between our members. We are not driven by profit. It's frankly our goal to go broke each month. The contributions coming in should be the contributions that go out."
Liberty HealthShare works proactively to control healthcare costs through engaging specialized vendors who negotiate directly with medical providers. This approach helps members obtain reduced expenses without having to navigate complex negotiations themselves.
The ministry studies sharing patterns monthly while forecasting trends to understand cost trajectories and implement proactive measures. This data-driven approach enabled the multiple cost reductions throughout 2025.
Evaluating healthcare sharing costs requires looking beyond just monthly contributions to understand:
Liberty HealthShare's comprehensive program offerings—from $87/month Liberty Assist for seniors to full-featured Liberty Unite with no Co-Share—provide options across the affordability spectrum.
For current and prospective members seeking low monthly shares, maximum value, and minimized out-of-pocket costs, Liberty HealthShare's 30-year track record, financial transparency, and commitment to affordability position it as a strong option within the healthcare sharing ministry sector.
Important Notice: 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.
For more information about Liberty HealthShare programs, explore how it works or call 855-585-4237.
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