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"Liberty took care of everything for me. ... I recall seeing bills that were repriced from thousands of dollars to hundreds of dollars. ... Within a couple of weeks I was 100% back to health."
Scott Z.

Healthcare Sharing Group Comparison

We're excited that you're investigating healthcare sharing as a way to pay for unforeseen medical costs. Before you review the chart below, please understand a couple of things. First, we really like the concept of healthcare sharing. It's not for everyone, but it's been a great blessing for us and our families. Based on the feedback and research we've done, we feel you will have a good experience with any of these groups listed on this page. Secondly, since these groups are heavily influenced by member input, the details do change from time to time. This list was put together to the best of our knowledge and was updated most recently in May 2017. We thank those who have provided further information for these updates. Obviously our first choice is Liberty HealthShare. Please make sure to review the details for any of these groups prior to joining.

Thanks! -The staff at MedicalCostShare.com

It's not too late. Join us for 2017.

It's always open enrollment. Your application can be processed within about a week.

Group Comparison

  Liberty HealthShare Medi-Share Christian Healthcare Min. Samaritan
Members are ACA Exempt
Allows non-evangelical faiths1
(e.g. Catholic, Mormon, other)
Requires health questionnaire
Limits on pre-existing conditions2
Sharing starts immediately3
No network (Use any doctor/hospital)4
Monthly sharing payments automated
(versus manual send to individual members)
Medical bills processed electronically
(e.g. membership card used with provider)
Automatic bill negotiation with providers
Includes prescriptions5
Catastrophic program options available
Shares in alternative and natural treatments6
Available in all states Pennsylvania Montana
Annual Personal Responsibility $500/$1,000/$1,500
indiv/couple/family
$1,250-$10,000
6 programs
$500/$1,000/$5,000
Gold/Silver/Bronze
$300 x 3 individuals
Or $900 per family
Monthly Cost Range7
(Min Individual Max Family)
$107-$449 $64-$627
(age based)
$90-$450 $180-$405
Max Limits No limit No limit No limit No limit

This comparison was made to the best of our knowledge. Please review the guidelines of any ministry before joining for verification.

1: Samaritan and Medi-Share do allow non-evangelicals, provided they agree with their doctrinally based Statement of Faith. Samaritan requires the endorsement (signature) of your ecclesiastical leader. Medi-Share may require such an endorsement. Additionally, CMF CURO is a Catholic Member-Representative to Samaritan Ministries. Solidartiy HealthShare (a Catholic oriented ministry) is administered by Liberty HealthShare.

2: All limit or exclude pre-existing conditions to some extent. Prospective members may be denied entrance, based on each organization's applicable membership requirements or guidelines. See individual web sites for varying details. In most cases with pre-exsiting conditions, sharing is initially limited and phased in over time. Liberty and Medi-Share offer and require provisional programs at additional costs to help members overcome certain conditions (e.g. high blood pressure, or obesity)

3: Liberty HealthShare limits sharing during the first 60 days to accidents, acute illness or injury.

4: Medi-Share members can use any doctor/hospital, but use of network providers increases savings. Medi-Share members' providers submit bills directly to Medi-Share for discounting and processing but members who choose a non-network provider may be responsible for a penalty and won’t receive a discount.

Liberty is billed directly by the provider and handles the repricing for the patient. Automatic billing and bill negotiation factor heavily into our evaluation as ease of use and repeatable discounting are significant factors in long term value and cost stability for both the members and specific sharing ministries at large.

Samaritan and Christian Health Care Ministries require the members to receive the bills and negotiate any possible discounts.

5: None include long term maintenance drugs. See individual program details for various limitations. Most associate the sharing of prescription drugs with a medical incident. (e.g. doctor's appointments) Liberty ranks drugs by tier and limits sharing to highest tier.

6: Please see the guidelines for information on the sharing of alternative and natural treatments, which are subject to limitations.

7: The different levels of program options offered by each vary significantly. However, the top-tier programs provided by these ministries are quite similar. See individual program details for the distinctions. Without catastrophic options most programs have limits from to $125k-$250k per medical incident. All groups have an enrollment fee ranging from $125 (Liberty) to $200 (Samaritan) except Christian Health Care Ministries.

Sharing Guidelines may vary (specific exceptions, rules etc). See individual sites for details.

Why We Choose Liberty!

When comparing across the board Liberty HealthShare is the best option for the following reasons:
  1. Liberty HealthShare includes families and individuals from all Christian faiths.
  2. Liberty HealthShare has an electronic sharing payments and billing system. This eliminates a significant hassle for the member. The member presents a card to the doctor without having to explain anything. (familiar paradigm) Liberty members take advantage of significant automated technology and group resources and leverage to negotiate for the member in need which saves money in the near term for the individual and saves for the entire membership group in the long run making future monthly cost increases less necessary.
  3. Liberty HealthShare has no network and shares certain costs for natural and alternative treatments, which are growing in popularity.
Regardless of your choice, we pray God will bless you in your search for affordable healthcare. Consider joining with a group of like-minded people in a values and faith based approach to taking care of medical expenses.