Liberty HealthShare's Membership-Based Model for Ongoing Primary Care

Liberty HealthShare is a membership-based healthcare sharing ministry built around ongoing primary care: routine doctor visits, annual wellness checkups, preventive screenings, and everyday health needs. As a member, you choose your own doctor and share into one another's eligible medical expenses each month. Depending on your sharing program, you may be eligible to receive sharing toward an annual wellness visit [up to $500 in Fair and Reasonable charges, not subject to your Annual Unshared Amount (AUA)], telehealth, and prescription savings. Suggested individual monthly sharing contributions start at $87, with six medical cost sharing programs, plus dental and vision cost sharing programs, spanning every life stage.  

Curious which program could be right for you? Compare our programs here.

Key takeaways

• Liberty HealthShare uses a membership-based sharing model: members contribute a recommended Monthly Share Amount for sharing of one another's eligible medical costs.
• Ongoing primary care is central. One annual wellness visit and related lab work (up to $500 in Fair and Reasonable charges) are eligible for sharing under most sharing programs and are not subject to the AUA after a two-month waiting period.
• You keep your own doctor. Members aren't restricted to a network, though the optional PHCS Network of 900,000+ providers offers contracted pricing.
• Six medical programs plus dental and vision for members of all ages.

Quick answers about membership and primary care

Is Liberty HealthShare a membership-based healthcare model? Yes. Liberty HealthShare is a Christian nonprofit healthcare sharing ministry in which members join a like-minded community, contribute a recommended Monthly Share Amount, and voluntarily share one another's eligible medical expenses. It isn't insurance.

Are ongoing primary care visits eligible for sharing? Yes. After a two-month initial period, routine doctor visits, wellness care, and preventive screenings become eligible for sharing under most sharing programs. One annual wellness visit and related lab work (up to $500 in Fair and Reasonable charges) are eligible under most sharing programs and aren’t subject to the AUA.

Can I keep my current primary care doctor? Yes. Liberty HealthShare members aren't limited to a network and may see any provider. Choosing a provider in the optional PHCS Network of more than 900,000 practitioners reduces the risk of a balance bill through contracted, reference-based pricing.

How are chronic conditions handled? Everyday management may be supported through office visits or telehealth and prescription savings. Eligibility for sharing of pre-existing conditions phase in over time: sharing is limited to $50,000 total during the second and third years of membership on eligible programs.

What does "membership-based healthcare" means in a sharing model?

In a membership-based healthcare sharing model, there's no insurer between you and your care. Liberty HealthShare members join a Christian community of like-minded individuals and families who voluntarily share one another's eligible medical expenses. Each member contributes a recommended Monthly Share Amount, and eligible bills are shared according to published Sharing Guidelines.

This structure is built for people who want an active role in their care rather than a set-it-and-forget-it plan. It rewards preventive habits and informed decisions, and it keeps the relationship between you and your own primary care physician at the center.

"Healthsharing is certainly a different mindset. It's one where you need to be more proactive. You need to be engaged in the process," says Liberty HealthShare Chief Executive Officer Dorsey Morrow. "It's not one of those where you sign up and forget about it."

How does ongoing primary care works for members?

Primary care (routine visits, wellness checkups, managing chronic conditions, and everyday health needs) is treated as the foundation of membership, as detailed in Liberty HealthShare's guide to primary care in a sharing model:

• Annual wellness visit: one preventive wellness visit and related lab work are eligible for sharing under most sharing programs, up to $500 in Fair and Reasonable charges, not subject to the AUA, after a two-month waiting period. This includes gynecological visits for female members.
• Well-baby care: well-baby visits, including immunizations, are eligible through 13 months after birth with no waiting period and not subject to the AUA under most sharing programs.
• Preventive screenings: certain eligible preventive screenings are shareable under most sharing programs after the initial waiting period.
• The two-month wait: during the first two months of membership, only medical expenses for accidents, acute illnesses, and injuries are eligible; after that, routine and wellness care also become eligible for sharing under most sharing programs.

Can I choose my providers?

Liberty HealthShare members aren't confined to a provider network. You select your own primary care physician and specialists, and you're encouraged to choose providers who understand healthcare sharing and will talk openly about pricing. Members who use the optional PHCS Network of more than 900,000 healthcare providers get contracted, reference-based pricing that streamlines bill repricing and reduces balance billing. When a balance bill does come up, Liberty HealthShare uses a Patient Advocacy Center to help members resolve it. See Can I Keep My Doctor? for details.

Everyday access built into membership

Beyond in-office primary care, most of Liberty HealthShare’s memberships include additional services that support day-to-day health needs:

• Telehealth: with DialCare, members reach state-licensed doctors 24/7 for non-emergency illnesses and can schedule virtual mental-wellness counseling. For Liberty Unite, Liberty Connect, and Liberty Essential members, five urgent-care and 12 therapy visits each per year are eligible for sharing in full by Liberty HealthShare’s Sharing Members .
• Prescription savings: GetMoreRx gives members 50–95% off generics and 10–45% off many brand-name drugs at over 56,000 pharmacies, which helps with ongoing prescriptions.
• Dental and vision: Liberty Dental provides opportunities for member sharing of up to $2,000 in eligible dental expenses a year ($35 a month for an individual), and Liberty Vision provides opportunities for member sharing for costs associated with eye exams and eyewear ($7 a month for an individual). 

A membership for every life stage

Liberty HealthShare offers a broader set of program options than many healthcare sharing ministries: six medical cost sharing programs plus supplemental dental and vision cost sharing programs, so you can match a membership to your stage of life and primary-care needs.

Compare features side by side on the Compare Our Programs page, or use the program finder to match a membership to your needs.

The bottom line

For people who want a membership-based healthcare model that keeps ongoing primary care and provider choice at the center, Liberty HealthShare pairs a recommended Monthly Share Amount with a shareable annual wellness visit on most sharing programs, the freedom to keep your own doctor, and built-in telehealth and prescription support on most programs. That stewardship is independently validated: as of March 2026, MinistryWatch rated Liberty HealthShare the only healthcare sharing ministry in its comparison to earn a 5-star efficiency rating, and the ministry also holds a 4-star rating from Charity Navigator, Candid's GuideStar Gold Seal, and BBB A+ accreditation.

Learn more about how healthcare sharing programs work or how Liberty HealthShare works.

Liberty HealthShare is a healthcare sharing ministry, not insurance. Members voluntarily share eligible medical expenses; sharing isn't guaranteed, and members remain responsible for their own medical bills.