Medical costs are shared on a per person, per incident basis, for illnesses or injuries incurring medical expenses when treated by physicians, urgent care facilities, clinics, emergency rooms, or hospitals (inpatient and outpatient).

Members share these kinds of costs:

  • Inpatient or Outpatient hospital treatment or surgery for a medically diagnosed condition
  • Doctor’s visits related to each medical incident
  • Prescriptions 45 days before and after each related medical incident
  • Physical therapy and home health care for each related medical incident
  • Total bills incurred per incident over the Single, Couple or Family Annual Unshared Amount*

A medical incident is any medically diagnosed condition receiving medical treatment and incurring medical expenses.

These are the kinds of expenses we do not share together:

  • Pre-existing conditions for the first 12 months of participation
  • Dental/Vision services or procedures
  • Medical costs less than the Single, Couple or Family Annual Unshared Amount*

What Is Cost Sharing? 

*A medical expense eligible for sharing must exceed an Annual accumulative Unshared Amount which is $500 for a single, $1,000 for a couple, $1,500 for a family and is calculated upon each member's enrollment date until their next annual renewal date.

Through our advanced technology, you send your share directly to an assigned member's secure, online account called "ShareBox". Multiple other members do the same and funds are allocated for that member’s bills.

When you have a medical incident, fellow members are committed to support you and share your costs.

Imagine how you’ll feel knowing costs remain low, you know where your money is going, you make your own healthcare decisions, and you choose any doctor or hospital.

Liberty HealthShare backs up these claims with an easy enrollment process, a transparent, secure, on-line payment system, and a process to connect like-minded people together in a community of support.

Click here  for a detailed step-by-step demonstration. 

The modern medical cost sharing movement was developed by a small band of Christians to practically demonstrate how to ‘bear one another’s burdens’. The tradition of health cost sharing has been practiced for decades by Anabaptist Christians (Amish-Mennonite). But in the early 1980’s, an incident occurred that spilled the tradition beyond the Anabaptist world. A pastor in Ohio had a tragic auto accident, and those who knew of his ministry to alcoholics and drugs addicts came to his aid. Within 45 days all his medical bills were paid in full because of the compassion and caring of fellow Christians. That pastor went on to begin the first health cost sharing ministry of its kind in modern times. Liberty HealthShare follows that tradition of making Christian health cost sharing affordable and available to all.  

Liberty HealthShare is a health cost sharing ministry of an existing group (Gospel Light Mennonite Church Medical Aid Plan, Inc.) that has been sharing costs since 1995. Through Liberty HealthShare, health cost sharing is currently being used by thousands of families nationwide as an organized means of sharing medical expenses.

The leadership team of Liberty HealthShare was there when the movement began in the early 1980’s, and they have nearly thirty years of experience in facilitating cost-sharing. They now lend their expertise to bring the same cost-sharing methods enjoyed by thousands of Christian families to like-minded individuals everywhere. Through Liberty HealthShare, the opportunity to share medical expenses is open to anyone who subscribes to our Shared Beliefs.

How Does It All Work?

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