Liberty HealthShare Review: Is It Worth It?

Healthcare is one of the most expensive items on the budget for many American families. Most people have access to health insurance through an employer, but others do not. What’s worse, sometimes people cannot afford traditional health insurance.

That’s where Liberty HealthShare comes in. This organization allows members to share medical expenses with a community of like-minded people. Its services help reduce the cost of healthcare for families in a nontraditional way.

Our Liberty HealthShare Review can help you determine if the provider is the right option for your healthcare needs.

What is Liberty HealthShare?

Liberty HealthShare is a healthcare-sharing ministry. This means it’s a community of people who have come together to share each other’s healthcare costs. 

The monthly contributions are used to cover each other’s medical expenses. As a Christian organization, Liberty HealthShare requires its members to meet specific requirements. 

The good news is that most of their prices have not changed over the years. While premiums for other health-sharing companies and healthcare companies have gone up, Liberty’s have not.

To join, you’ll need to fulfill the following qualifications:

• Observe Christian standards
• Accept the organization’s shared beliefs
• Maintain a Christian lifestyle

Maintaining a Christian lifestyle includes things like not using tobacco products and following scriptural teachings on alcohol use.

Sign up for Liberty HealthShare today using code A314DE here, as they have shared more than $5 billion in eligible medical expenses since 2019!

How Does Liberty HealthShare Work?

When registering for Liberty HealthShare, you can select from six plans. Each plan has members pay a monthly share amount. After choosing your plan, you can see any doctor of your choosing. You can use those in the PHCS network or out-of-network without penalty. You simply show your Liberty HealthShare ID card, and the doctor will bill them. You don’t have to self-pay or negotiate a discount on your own. Eligible expenses are shared in 30-45 days.

Here are the six available plans.

Liberty Assist

Liberty Assist is a healthcare-sharing program designed specifically for seniors 65 and older. This program is created for Medicare Part A and B enrollees. Its purpose is to fill in any coverage gaps while allowing members to control their medical care.

Current members of a different Liberty HealthShare program can transition to Liberty Assist when they turn 65.

New members can sign up upon termination of their employer-provided health insurance or during the three months before and after the month they turn 65.

For people age 65-69, Liberty Assist’s monthly share amount is $87. This increases with
age.

Liberty Rise

Liberty Rise is a healthcare-sharing program designed for people ages 18 through 29. Since people within this age group often have lower incomes and fewer health costs, Liberty Rise is a budget-friendly program for young adults who don’t have children. 

For married couples, each spouse must have their own membership.

This plan covers expenses like primary physician care, specialists, hospital stays, urgent and emergency care, surgeon fees and CT or MRI scans.

Liberty Rise’s monthly share amount is just $99.

Liberty Essential

The Liberty Essential plan is one of Liberty Healthshare’s three primary plans available to families. Members can enroll in this plan as a single person, a couple, or a family with children.

This plan is the most affordable of the three primary options. Monthly share amounts
start at $160. Members must meet an annual unshared amount (AUA). This is similar to a deductible in traditional health insurance.

Liberty Essential’s AUA is $4,000 for a single person, $8,000 for couples or $12,000 for families. The plan covers up to $600,000 per incident of fair and reasonable eligible medical expenses after the AUA, with an additional 20% co-share.

Liberty Connect

Liberty Connect is the second of the organization’s three primary plans. Like the Essential plan, this option is available to single people, couples and families.

This plan has an AUA of $1,000 for single people, $2,000 for couples, and $3,000 for families. After the AUA is met, the plan covers up to $1,000,000 per incident of fair and reasonable eligible medical expenses, with a 10% co-share.

Monthly share amounts start at $211.

Liberty Unite

Liberty Unite is the top-tier healthcare sharing plan from Liberty HealthShare. It is also available to single people, couples, and families.

This plan has an AUA of $1,000 for single members, $1,750 for couples and $2,250 for families. Once the AUA has been met, the plan covers up to $1,000,000 per incident of fair and reasonably eligible medical expenses. 

Better yet, this plan doesn’t require a co-share. Monthly share amounts start at $261.

Liberty Freedom

Liberty Freedom is an affordable health-sharing program tailored for individuals aged 35
and under. It provides support for unexpected health crises, offering up to $300,000 in
sharing for eligible medical expenses after the AUA is met.

Liberty HealthShare’s Liberty Freedom program costs:

• Individual: $89 per month
• Couple: $169 per month
• Family: $319 per month 

In addition to the six medical sharing programs, Liberty HealthShare has optional, add-
on sharing programs for vision and dental.

Libert Dental

You and your family can receive significant savings on your dental care by sharing dental costs with other Liberty HealthShare members.

For a single person, the monthly share amount is $35 with a $75 AUA.

Libert Vision

You can receive significant savings on costs associated with your family’s vision care,
including routine eye exams, prescription glasses, contact lenses, and even LASIK
surgery. For a single person, the monthly share amount is only $7. And for a couple, the share amount is $13, and $25 for a family.

How Much Does Liberty HealthShare Cost?

The cost of Liberty HealthShare is different for each plan option. You can see the
various options here.

Liberty Assist charges a different rate depending on your age. Liberty Freedom has a set rate for singles, couples and families.

On the other hand, Liberty Rise has a flat rate that all enrollees pay. At the time of writing this, the plan charges a monthly contribution of $99.

Finally, Liberty Essential, Connect, and Unite each charge different amounts depending on your age and whether you’re enrolling as a single person, a couple, or a family.

Key Features

In addition to its healthcare sharing plans, Liberty HealthShare offers some extra services to help its members save money.

Claritev HST Connect

HST Connect is available to Liberty HealthShare members to help them find the best healthcare at the best cost.

The tool adds transparency to medical care. It also encourages members to consider the cost of services and shop around for a better rate. This price transparency benefits all of the members of the healthshare.

DialCare Therapy

DialCare Therapy is a telehealth program that provides mental health services. Liberty HealthShare members can access safe, secure, and private mental health services virtually or by telephone. Most Liberty HealthShare members can
access DialCare Therapy at no extra cost.

DialCare Urgent Care

DialCare Urgent Care works similarly to its mental health counterpart but is for general medical care. Members can speak with doctors via phone or video chat to receive diagnoses, treatment and more. Most Liberty HealthShare members can
access DialCare Urgent Care at no extra cost.

GetMoreRx Prescription Drugs

GetMoreRx Prescription Drugs helps Liberty HealthShare members access affordable prescription drugs.

Eligible members can save between 50% and 95% on generic drugs and 10% and 45% on name-brand medications at more than 56,000 pharmacies nationwide.

Customer Reviews

While Liberty HealthShare’s website contains many positive reviews, the provider has below-average reviews overall. 

Here’s how it stacks up on the rating sites:

Site	Rating	Number of Reviews
Better Business Bureau	A+	216
Trustpilot	4.5	177
Google	4.5	1382

These are a few reviews members have left online:

“This is a great way to have coverage for routine and unexpected medical expenses. The cost is much lower than traditional insurance coverage and the people are always pleasant to talk to and pleasant when helping with understanding work through details. They also do the work of trying to lower the cost of medical bills instead of making me do it.” – Jen

“My experience with re-enrolling was phenomenal. Incredibly patient people, willing to walk me through and re-explain as many times as needed. Every time I’ve called, there has always been a human being to answer the phone!” – Felecia

Alternatives To Liberty HealthShare

Liberty HealthShare is one of the top health-share organizations on the market, but there are also plenty of other options. Here are the top alternatives to consider.

Altrua

Altrua HealthShare is an organization that connects thousands of families, churches and organizations in a health-sharing program. There are four plans to choose from, starting at $136 per month. 

Altrua doesn’t boast all of the extra member services that Liberty HealthShare does, and its starting price is higher. However, it does accommodate churches and organizations.

Medi-Share

Medi-Share is a Christian health-sharing organization that’s been in operation for roughly three decades. Like Liberty HealthShare, Medi-Share has plans for individuals, families and seniors. 

It also offers a plan for employers to provide to their employees and a plan for missionaries.

Learn More: Medi-Share Review: A Cheap Alternative to Health Insurance

Solidarity

Solidarity HealthShare is a health-sharing organization that helps to fund its members’ healthcare costs while protecting and practicing its Catholic beliefs. 

This organization provides coverage for various services, including general care, dental, vision, prescription drugs, fertility, mental health, hospice, and more.

Summary

Liberty HealthShare is one of the top health-share organizations on the market and can be an excellent replacement for traditional health insurance. It includes many of the services that would be covered by another plan, often at a significantly lower rate.

Of course, Liberty HealthShare, like all healthshares, lacks some of what you’d find with traditional health insurance. It’s also only available to like-minded individuals of the Christian faith. Nevertheless, it could be a great option to cover your healthcare needs if you qualify.