Frequently Asked Questions


We are not insurance. Liberty HealthShare is a community of people, with like-minded values, helping each other in a time of need. We offer our members freedom from insurance and give our members the power to share in one another’s healthcare costs.

We are health-conscious individuals and families who choose to steward our health and share in one another’s medical needs and expenses. Our caring community serves one another in prayer, encouragement and financial support. 

Liberty HealthShare members can expect to be a part of a caring, powerful community which works together to make healthcare affordable for all.

Becoming a member is simple. If you’ve decided that health care sharing is right for you, choose a program to fit your needs. Fill out an application and our enrollment team will walk you through the rest of the membership process.

Sharing begins after two full months of membership.


You can cancel at any time. If you want to cancel, you should send written notice of your cancellation, including the reason for cancellation, by the 20th day of the month, prior to the month in which your sharing contributions will end. If membership cancellation occurs 30 days after your Enrollment Date, the enrollment fee will not be refunded.

Accountability and financial integrity are vital concepts at Liberty HealthShare. All that we do at Liberty HealthShare is done in a spirit of public trust. 

Your trust is valuable to us and there are numerous ways in which we hold ourselves accountable to our members.

  • Liberty HealthShare facilitates sharing between members. Members commit to sending shares each month and receiving shares for eligible medical expenses. 
  • We verify that sharing members send their Monthly Share Amounts.
  • Sharing dollars are subject to oversight, accountability and accounting controls through Liberty HealthShare to make certain shares are used only to pay only eligible medical expenses.
  • Fees received for administration undergo strict scrutiny and annual audit. 
  • Money designated by members for cost-sharing is never owned or invested by Liberty HealthShare. 
  • The Board of Directors is the final decision-making authority.

The Liberty HealthShare community agrees to be wise stewards of our health and all decisions for membership approval are made in consultation with each prospective member.

  • Applicants complete a medical questionnaire for our nurses to review. 
  • If a condition is accepted as pre-existing, that member will be accepted with that limitation (see question about Pre-Existing Conditions).
  • Some individuals who enroll in our healthsharing program have a pre-existing condition, such as diabetes, hypertension, heart disease, high cholesterol, and tobacco use which may qualify them for HealthTrac.
  • HealthTrac offers our members personalized health plans, educational resources and realistic goal-setting to achieve health outcomes. 

Liberty HealthShare does not have deductibles or co-pays since we are a medical cost sharing ministry. Rather than deductibles, we have an Annual Unshared Amount (AUA). 

Your AUA is the amount of medical costs that you are responsible for before sharing can take place and other members can share into your medical expenses. Your AUA responsibility varies depending on the program and family size of your membership.     

Of course. In fact, many participants have insurance through work or another source. They participate with us for the sheer excitement of helping others. They never expect to submit bills. And in those cases where money is still owed after insurance makes its payments, Liberty HealthShare will share the balance of eligible expenses.


Each month we ask you to send a Monthly Share Amount to your ShareBox which will be shared with another member who has medical bills regardless of whether you have medical expenses. Giving regularly each month is how you remain eligible to have your bills shared into by other active members. That amount varies depending on your program choices, age, and whether you are a single, couple or family. See the current Monthly Share Amount under the 'Sharing Programs' tab.

Members are asked to send in their Monthly Share Amount by the 5th day of each month. 

If your Monthly Share Amount is not received by the due date, the Sharing Membership becomes inactive. This means any medical expenses that incur during this time will not be eligible for sharing. 

If your Sharing Membership is inactive for less than 60 days, you can reactivate by sending in your share for each month your membership was inactive. Members who are past 60 days past due will need to re-apply for membership as a new member. 

For more information, see Guidelines III. G: Notify When Withdrawing Membership


A pre-existing condition is any condition at the time of enrollment that has evidenced symptoms, or received treatment or medication in the past 36 months. We share in pre-existing conditions according to the following schedule:

  • First year: pre-existing condition is not eligible for sharing
  • Second and Third year: pre-existing is eligible for sharing up to $50,000 combined both years
  • Fourth year and following years of continuous membership: the condition is no longer considered pre-existing

For more information, see Guidelines IV-C-15 Pre-Existing Conditions

As a Liberty HealthShare member, you have a few options. You can choose to show your provider your Liberty HealthShare membership card and ask them to send your bills to us. As a self-pay patient, you should ask your provider for a self-pay discount. You may also make payment arrangements with your provider as you wait for sharing to begin on your eligible medical expenses. 

In all cases, ask for an itemized bill that includes procedure (CPT) and diagnostic codes and receipts and make sure to send in all receipts of any payments you have made to your provider.

Your doctor or hospital receives payment through our powerful, sharing community. Sharing is facilitated through Liberty HealthShare and takes place through a secure online site, the Liberty HealthShare “ShareBox.” 

Each month Liberty HealthShare transfers your Monthly Share Amount to another member's ShareBox.

Once an expense is submitted to us, it is then reviewed and processed through a step-by-step process. If an expense meets all eligibility requirements, our sharing community shares into your medical expense and you or your provider will receive a check. For each eligible expense, members will receive an Explanation of Sharing (EOS) in their ShareBox. Providers will receive an EOS via mail. 

  • STEP ONE: Make a call. Most disputes can be resolved with a simple phone call. We will work with you to find a resolution to your issue. 
  • STEP TWO: Follow the "DISPUTE RESOLUTION AND APPEAL" process outlined in the Guidelines (see VI. A-D.)
  • STEP THREE: Regardless of who wins or loses, remember who and what we are. Liberty HealthShare is a voluntary association of like-minded people who come together to assist each other by sharing medical expenses. 

Once you’ve met your Annual Unshared Amount (AUA) the following are the minimum and maximum sharing amounts. 

  • Liberty Select shares up to $500,000 per incident on eligible medical expenses
  • Liberty Share shares up to 70% up to 125,000 per incident on eligible medical expenses
  • Liberty Plus shares up to $125,000 per incident on eligible medical expenses
  • Liberty Complete shares up to $1,000,000 per incident on eligible medical expenses


HealthTrac participation is required for Sharing Members who have been identified during the enrollment process as having conditions at the time of enrollment that can be improved through lifestyle changes. 

These individuals want to participate in our medical cost sharing ministry while improving conditions such as diabetes, hypertension, high cholesterol, obesity and tobacco use.

HealthTrac participants are assigned a Health Coach to assist them in developing personal goals, tracking progress, and reaching their health related goals. 

A participant fee of $80 per month, per HealthTrac member, is assessed in addition to the Monthly Share Amount until personal goals are met.

First of all, congratulations on your decision to address conditions that are putting your health at risk. You will be receiving a Health Risk Questionnaire via email from your Health Coach. You and your coach will discuss the reasons you were added to HealthTrac and start setting realistic goals to improve your health.

Your Health Coach is a partner in your journey to better overall health. You are required to communicate with your coach once a month. You will receive one-on-one coaching calls; personalized health plans; educational resources and a supportive environment to help you reach your goals.

Yes! Once you’ve reached the goals set with your health coach, you may graduate from HealthTrac. On average, hundreds of HealthTrac members improve their health and graduate from our HealthTrac program. Members are expected to steward their health and care for our sharing resources by maintaining goals they reached with their coach.

Some aspect of the medical questionnaire you completed during the application process caused a review by our Health and Wellness department and revealed a condition particularly suited to health coaching. Based on your answers, in order to confirm your membership as a Sharing Member, you are required to participate in HealthTrac as a condition of membership. Our Health and Wellness department will contact you.

You must cease use of tobacco products within 6 months of enrollment. Testing for nicotine is required.

To help you reach your health-related goals, we will ask for proof from your provider to show you are progressing toward your goals. 

A participant fee of $80 is assessed for each person in HealthTrac, in addition to their suggested monthly share amount.

When a member is a member of HealthTrac, and agrees to work with their coach to reach their goals, a member’s pre-existing condition is eligible for sharing, per our Sharing Guidelines.

Continuation beyond the first year of membership will be assessed and determined by Liberty HealthShare, in consultation with your assigned Health Coach.

We take seriously our pledge to take care of our bodies and be responsible for our health. As a HealthTrac participant, responsiveness to guidance by a Health Coach is required as a condition of Liberty HealthShare membership. Failure to make progress or being unresponsive to health coaching, violates your responsibility to other members and may result in termination of Liberty HealthShare membership.