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Health care sharing ministry

Liberty HealthShare, in plain facts.

A cost-sharing community with tiered programs and an ethical/lifestyle-based membership. Not insurance; benefits and caps are set by program guidelines.

  • Listed — no business relationship
  • Facts checked 2026-10-15

Not insurance

At a glance

Liberty HealthShare

Listed — no business relationship
Health care sharing ministryNot insurance

A Christian sharing ministry with low entry prices and significant legal history.

Price
From $89/mo (Freedom, age 35 and under); Essential $160–$221/mo single. (as of 2026-10-15; source)
You pay first
Annual unshared amount $1k to $12k plus co-share, by program.
Pre-existing conditions
1-year wait; months 13–36 up to $50k; then unrestricted (Essential/Connect).
Faith requirement
Statement of beliefs acknowledging Jesus Christ.
Where
Not open to new members in NM.

Legal history: 2023-02-22: New Mexico issued a cease order and a $2.51M fine against Liberty HealthShare; the 10th Circuit affirmed on 2025-02-27. A Supreme Court petition (No. 25-113) was pending; a federal RICO class action survived dismissal in 2024. Source: 10th Circuit opinion. We show this because it may affect whether your bills are shared.

Not insurance. Payment of medical bills is not guaranteed. What that means

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Before you decide

See it next to the alternatives.

Every sharing program, ranked for youFilter by state, budget, faith and pre-existing conditions.Liberty vs ACA MarketplaceCost, coverage and who each one fits, with sources.Health sharing vs insuranceThe seven differences that decide it.The full provider directoryEvery company, A to Z.

Profiles are editorial. We don’t publish ratings or reviews we can’t source. Prices and rules change: check the company’s current guidelines and, for insurance, a licensed advisor before you decide. Legal history is summarized from public records and linked to the source.

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