Cost & Value Hub: What You Actually Pay in a Healthshare Before Your Expenses are Eligible for Sharing

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.

Quick Answers: Your Cost Questions

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.

Monthly Sharing Contributions by Program

[insert CTA img about downloading the program comparison grid]

Individual Members

Couple Memberships

Family Memberships (3+ members)

*$65 additional monthly sharing contribution for each additional member over 4 people.

For detailed monthly sharing contributions by family size and specific AUA levels, visit the Compare Programs page.

Understanding Three Cost Numbers

When evaluating what you'll actually pay in healthcare sharing (before your medical expenses are eligible for sharing), focus on three key numbers:

• Monthly Sharing Contribution (predictable): Your regular monthly contribution to the sharing community
• Annual Unshared Amount (AUA) (annual threshold): The amount you pay each year before your expenses become eligible for sharing
• Co-Share (percentage after AUA): The percentage you pay of eligible medical expenses after meeting your AUA (only applies to Liberty Essential and Liberty Connect programs)

2025 Cost Reductions: A Year of Savings

Throughout 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.

What Changed in 2025: Summary

• Monthly sharing contributions reduced up to $26/month on popular programs
• Co-share percentages decreased for two programs
• Liberty Rise monthly sharing contribution reduced 19%
• Liberty Assist AUA reduced from $1,500 to $500
• Wellness visit sharing limit increased 25%
• Ancillary therapy sharing limit doubled

Understanding Per-Incident vs. Annual Limits

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.

Real-World Cost Examples

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)

• Total cost: $200
• Below minimum sharing threshold
• Member pays: $200 (not eligible for sharing)
• Note: Medical expenses of $200 or less should not be submitted and are not eligible for sharing (certain exceptions apply, see Sharing Guidelines for details).

MRI Scan Example ($2,000) For a Liberty Essential member (20% co-share) who has met his or her AUA:

• Total cost: $2,000
• Member co-share (20%): $400
• Amount eligible for sharing: $1,600
• Member pays (regardless of any member sharing): $400

Surgery Example ($25,000) For a Liberty Connect member (10% co-share) who has met his or her $1,000 AUA:

• Total cost: $25,000
• Member co-share (10%): $2,500
• Remaining amount eligible for sharing: $22,500
• Member pays: $2,500 (regardless of any member sharing)

Cancer Treatment Example ($150,000) For a Liberty Unite member (0% co-share) who has met his or her AUA:

• Total cost: $150,000
• Member co-share: $0
• Amount eligible for sharing: $150,000 (up to program limit)
• Member pays: $0 (after AUA met)

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.

Value-Added Features with Certain Liberty HealthShare Memberships

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:

• Liberty Dental: Provides the opportunity for member sharing for up to $2,000 in eligible dental expenses per membership year
  • Individual: $35/month
  • Couple: $69/month
  • Family: Starting at $129/month
• Liberty Vision: Provides the opportunity for member sharing for eye exams, contact lenses, frames, and lenses
  • Individual: $7/month
  • Couple: $13/month
  • Family: Starting at $25/month

These optional add-on programs give Liberty HealthShare members additional sharing options beyond medical expenses alone.

Telehealth Services:

• DialCare Urgent Care: 24/7 access to state-licensed doctors via phone or video
• DialCare Therapy: Mental wellness support through licensed professionals
• Five DialCare Urgent Care visits and 12 DialCare Therapy visits per person are available at no extra cost for Liberty Unite, Liberty Connect, and Liberty Essential members; per-visit fees ($55 for DialCare Urgent Care, $85 for DialCare Therapy) for Liberty Assist and Liberty Rise members
• Not available for Liberty Freedom members

Prescription Savings:

• GetMoreRx Prescription Drugs: 50-95% savings on generic drugs, 10-45% on brand names at 56,000+ participating pharmacies
• Not available for Liberty Freedom members

Cost Transparency Tools:

• Claritev HST Connect: Price comparison, provider search, acceptance and quality ratings, and more
• Access to procedure information and member details

Wellness Sharing Eligibility: Eligible members have access to the following wellness services which are not subject to AUA requirements:

• One annual wellness visit with related lab work (up to $500 of fair and reasonable charges).
• Well-baby visits through 13 months (including immunizations, with no waiting period)
• Preventative screening (mammograms age 40+, pap smears, PSA testing, Cologuard screening)
• Flu vaccinations

Eligibility and waiting periods vary by program. See your program's Sharing Guidelines for complete details.

What's Not Included: Important Sharing Limitations

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.

Year-Round Enrollment

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 Transparency

Liberty 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."

Cost Management Through Provider Negotiation

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.

Making the Choice

Evaluating healthcare sharing costs requires looking beyond just monthly contributions to understand:

• Total annual costs: Monthly contributions plus potential AUA and Co-Share expenses
• Program limits: Maximum sharing amounts per incident or per year
• Included services: Telehealth, wellness visits, prescription discounts
• Member support: Access to nurses, cost negotiation assistance, prayer support
• Community values: Faith-based framework and stewardship principles
• Limitations: Waiting periods, pre-existing condition considerations, non-shareable categories

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.