Liberty HealthShare

What Liberty HealthShare does

Liberty HealthShare is a nonprofit 501(c)(3) Christian healthcare sharing ministry, operating as a ministry of Gospel Light Mennonite Church Medical Aid Plan, Inc., headquartered in Canton, Ohio. Founded in 1995 by five families from Gospel Light Mennonite Church in rural Virginia, the organization received federal recognition as an eligible healthcare sharing ministry under the Affordable Care Act in 2014, making its members exempt from ACA insurance mandates. Liberty HealthShare facilitates the voluntary sharing of medical expenses among members who share a common faith; it is not an insurance product. The portfolio consists of six core medical sharing programs (Liberty Freedom, Liberty Rise, Liberty Essential, Liberty Connect, Liberty Unite, Liberty Assist) differentiated by demographic and per-incident sharing limits ranging from $300,000 to $1,000,000 and member co-share requirements of 0%–20%, supplemented by two add-on programs (Liberty Dental, Liberty Vision), the Sharing Hearts Fund for charitable pediatric wellness grants, and the ShareBox member portal with iOS/Android applications. The technology platform comprises the ShareBox web/mobile member portal, a Provider Portal for eligibility verification and billing, and a medical bill repricing system.

The business model is subscription-recurring: members contribute fixed monthly shares ($87–$369 for individuals, starting at $319 for families of four) that are pooled and used to pay eligible medical expenses of fellow members, with no annual contracts and year-round enrollment. Distribution is purely direct-to-consumer via the website, phone support (855-585-4237), and an Ambassador referral program; the organization does not use brokers or insurance intermediaries. Customer segments span young adults and students (18–35), singles, couples and families, and Medicare-eligible seniors (65+), with supplementary dental and vision programs available to existing members. Liberty HealthShare has posted 20+ consecutive months of year-over-year enrollment growth as of May 2026, returned more than $2 million to members in May 2026, and implemented a 16% average cost reduction across its three core family programs effective June 2026 — its second consecutive year of price reductions.

The organization has 101–250 employees and operates exclusively in the United States. It holds the highest MinistryWatch 5-star efficiency rating among healthcare sharing ministries (the only one to achieve it), a Charity Navigator 4-star rating, the Candid Gold Seal of Transparency, and BBB accreditation. Governance includes a board of directors with two members added in January 2026, and leadership is led by CEO Dorsey Morrow, who has overseen operations across the ministry's 30-year history.

Name

Liberty HealthShare

Legal name

Gospel Light Mennonite Church Medical Aid Plan, Inc.

Website

https://libertyhealthshare.org

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

101–250 employees

Short description

Liberty HealthShare is a nonprofit Christian healthcare sharing ministry offering members a faith-based alternative to health insurance through monthly share contributions pooled to cover eligible medical expenses, serving individuals, families, and Medicare-eligible seniors across the United States since 1995.

Ownership category

akta.pro rank

Product category

Healthcare Sharing Ministry

NAICS

Religious Organizations (8131), Voluntary Health Organizations (813212), Social Assistance (624)

SIC

Hospital & Medical Service Plans (6324), Services-Health Services (8000)

akta.pro primary industry

Faith-Based Healthcare Ministries (Hospitals, Clinics, Medical Missions) (BPAGAJAH)

Keywords

• Healthcare sharing ministry
• Medical cost sharing
• Faith-based healthcare
• Health sharing programs
• Medical bill sharing

Headquarters

HQ city

Canton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Monthly Member Shares: Members contribute monthly share amounts that are pooled to cover eligible medical expenses of fellow members. The amount varies by program tier and family size, with individual shares starting at $87/month and family shares starting at $319/month for families of four.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Liberty HealthShare is a nonprofit 501(c)(3) Christian healthcare sharing ministry that facilitates voluntary monthly sharing of medical expenses among its members. Members pay monthly share amounts that are pooled and used to cover eligible medical bills of fellow members, with programs tailored for young adults, families, and seniors on Medicare. The ministry operates as an alternative to traditional health insurance and is federally recognized under the Affordable Care Act.

Product overview

Liberty HealthShare is a nonprofit Christian healthcare sharing ministry offering a portfolio of cost-sharing programs as an alternative to traditional health insurance. The portfolio consists of six core medical sharing programs (Liberty Freedom, Liberty Rise, Liberty Essential, Liberty Connect, Liberty Unite, Liberty Assist) supplemented by two add-on programs (Liberty Dental, Liberty Vision), a charitable initiative (Sharing Hearts Fund), and a member portal/mobile app (ShareBox). Core programs differ by sharing limits ($300K to $1M per incident), co-share percentages, and target demographics (young adults, families, seniors on Medicare). Add-on programs provide supplementary coverage for dental and vision expenses. The Sharing Hearts Fund is a charitable arm providing pediatric wellness grants to families in Ohio. Enrollment is year-round with no special life event requirements, and monthly share amounts range from $87 to $369 for individuals and start at $319 for families of four.

Differentiator

Problem solved

Functional benefit

Products and services

• Liberty Freedom Health sharing program for individuals aged 35 or younger, providing up to $300,000 in medical bill sharing for unexpected eligible medical expenses. Starting at $89/month.
• Liberty Rise Budget-friendly sharing program designed for young adults aged 18-29 and childless couples, meeting college healthcare requirements with reduced pricing as of October 2025.
• Liberty Essential Sharing program sharing up to $600,000 per incident for eligible medical expenses after the Annual Unshared Amount (AUA), with a 20% member Co-Share. Designed for singles, couples, and families. 16% average cost reduction effective June 2026.
• Liberty Connect Sharing program sharing up to $1,000,000 per incident for eligible medical expenses after AUA, with a 10% member Co-Share. Designed for singles, couples, and families. 16% average cost reduction effective June 2026.
• Liberty Unite Sharing program sharing up to $1,000,000 per incident for eligible medical expenses after AUA with no member Co-Share requirement. Designed for singles, couples, and families. 16% average cost reduction effective June 2026.
• Liberty Assist Medicare companion sharing program for members aged 65+ with Medicare Parts A and B. Shares 20% of eligible medical expenses. The $500 Annual Unshared Amount was eliminated effective August 1, 2026.
• Liberty Dental Dental sharing program for existing Liberty HealthShare members, sharing up to $2,000 in eligible dental expenses per membership year. Monthly share amounts as low as $35 with no network restrictions.
• Liberty Vision Vision sharing program for existing Liberty HealthShare members, covering eye exams, contact lenses, frames, and lenses eligible for sharing. Launched January 1, 2026 in partnership with NVA providing access to over 100,000 vision care professionals.

Quantifiable outcome

• 16% average reduction in monthly share amounts for three core programs effective June 2026, second consecutive year of cost reductions
• +4 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• NVA (National Vision Administration)coreTechnology or Integration · 3 November 2025NVA provides the vision care network for Liberty Vision sharing program, offering access to over 100,000 vision care professionals. The partnership enables Liberty HealthShare to offer discounted eyewear and LASIK surgery through the Liberty Vision program, available to existing and new members starting January 1, 2026.

Scale indicators8 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Christian Care Ministry (Medi-Share): The largest U.S. healthcare sharing ministry (~400K members), offering faith-based medical cost sharing programs comparable to Liberty's portfolio. Directly competes for the same faith-based consumer segment with similar monthly share economics and Christian values-based eligibility requirements.
• Samaritan Ministries: One of the original Christian healthcare sharing ministries operating since the 1990s, with a similar monthly share model and faith-based eligibility. Directly competes for the same Christian consumer seeking an alternative to traditional health insurance.
• Christian Healthcare Ministries (CHM): A long-standing Christian healthcare sharing ministry offering Gold, Silver, and Bronze programs with monthly share contributions. Direct competitor specifically cited by MinistryWatch as one of Liberty's benchmark peers in HCSM efficiency ratings.
• Altrua HealthShare: A faith-based healthcare sharing ministry offering individual, family, and senior programs with monthly share contributions similar to Liberty's tiered program structure. Competes for the same faith-aligned consumer base across demographic segments.
• Solidarity HealthShare: A Catholic-affiliated healthcare sharing ministry serving members of the Body of Christ with monthly share contributions and a similar nonprofit ministry structure. Direct competitor in the faith-based HCSM category with comparable per-incident program designs.
• OneShare Health: A Christian healthcare sharing ministry offering Classic, Complete, and Crown programs with per-incident sharing limits and faith-based eligibility requirements. Directly competes with Liberty across individual and family program tiers.

Emerging players

• Sedera Health: A faith-inspired health sharing organization with a tech-forward platform, serving both individuals and employer-sponsored groups. Comparable to Liberty on the medical cost sharing model but differentiated by stronger employer/DTC digital experience and employer channel partnerships.
• Zion HealthShare: A faith-based healthcare sharing ministry serving members nationwide with monthly share contributions comparable to Liberty's Essential/Connect/Unite programs. Emerging competitor expanding the faith-based HCSM category with similar program structure.

Others

• National Vision Administration (NVA): A vision benefits administrator providing access to 100,000+ vision care professionals, partnered with Liberty HealthShare to launch the Liberty Vision program (Jan 2026). Listed as an ecosystem participant rather than direct competitor — adjacent enabling partner for Liberty's vision add-on offering.

Broad incumbents

• Oscar Health: A technology-driven ACA marketplace health insurer offering individual and family plans with comparable price-sensitivity positioning to Liberty. Broader incumbent operating in regulated insurance rather than HCSM, but competes for the same cost-conscious consumer evaluating alternatives to traditional employer coverage.

Market position

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/sharinglhs
• Facebookfacebook.com/LHSPrograms
• LinkedInlinkedin.com/company/liberty-healthshare

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments5 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Liberty HealthShare