Healthcare Sharing Group ComparisonWe'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 run by members and heavily influenced by member input, the details do change from time to time. This list was put together to the best of our knowledge the middle of 2015 and was updated November 2016. We thank those who have provided further information for this recent update. Obviously our first choice is Liberty HealthShare. Please make sure to review the details for any of these groups prior to joining.
It's not too late. Join us for 2017.It's always open enrollment. Your application can be processed within about a week.
|Liberty HealthShare||Medi-Share||Christian Healthcare Min.||Samaritan|
|Members are ACA Exempt|
|Allows non-evangelical faiths*
(e.g. Catholic, Mormon, other)
|Requires health questionnaire|
|Limits on pre-existing conditions**|
|Sharing starts immediately|
|No network (Use any doctor/hospital)***|
|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|
|Catastrophic program options available|
|Shares in alternative and natural treatments|
|Available in all states||Pennsylvania||Montana|
|Annual Personal Responsibility||$500/$1,000/$1,500
|$300 x 3 individuals
Or $900 per family
|Monthly Cost Range*****
(Min Individual Max Family)
|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.
* 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.
** 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)
*** Medi-Share members can use any doctor/hospital, but use of network providers increases savings.
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. Liberty is billed directly by the provider and handles the repricing for the patient. 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.
**** 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)
***** 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:
- Liberty HealthShare includes families and individuals who profess non-traditional and / or non-evangelical faiths (Catholics, Mormons, unaffiliated, etc.). The belief attestation is personal rights/liberty oriented.
- 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.
- Liberty HealthShare has no network and shares costs for natural and alternative treatments, which are growing in popularity.