Authorized Liberty HealthShare Member Sponsor

"Our son had to go to the emergency room. They took the card no problem. The bill was $2200. Liberty re-priced it down to $800 and we didn't even meet our family's annual unshared amount. Thanks everyone for this wonderful community!"
Patricia - Saratoga Springs

Health Care Sharing is exempt from Obamacare.

Members of Recognized Health Care Sharing Ministries are Exempt From the Requirement to Have Health Insurance.

THE ACA. The new health care reform legislation is called The Patient Protection and Affordable Care Act (ACA). Its more commonly referred to as Obamacare.

INDIVIDUAL MANDATE. The ACA legislation contains many provisions that are complex and detailed about our nations health care. Among these provisions is the individual mandate, the requirement that every American purchase health insurance. Under the law, you must purchase health insurance by March 31, 2014, be exempt from the law, or face a fine imposed and collected by the IRS.

BE EXEMPT. Members of recognized health care sharing ministries are exempt from the mandate to purchase health insurance by 2014 or face financial penalties. Enrollment with a recognized health care sharing ministry REMOVES your requirement under the healthcare mandate to purchase health insurance.

RECOGNITION. To maximize resources between ministries, in 2014 Liberty HealthShare joined with Gospel Light Mennonite Church Medical Aid Plan, Inc. (Gospel Light), a healthcare sharing ministry recognized by the Centers for Medicare & Medicaid Services (CMS). As a result, the members of Liberty HealthShare have the security of being members of a recognized healthcare sharing ministry. Liberty HealthShare is a healthcare sharing ministry of Gospel Light which is the non-profit organization that facilitates the sharing of qualifying medical costs between members.

Gospel Light received its recognition letter from CMS on March 31, 2014. For a copy of the recognition letter, click here.

Here is the most important excerpt from 26 U.S.C. § 5000(d)(2)(B): US Patient Protection and Affordable Care Act that explains the exemption.

(i) IN GENERAL. Such term [Our note: term refers to penalty] shall not include any individual for any month if such individual is a member of a health care sharing ministry for the month. [This means that the penalty will not be applied to any person who is a member of a qualifying health care sharing ministry.]
(ii) HEALTH CARE SHARING MINISTRY. The term ‘health care sharing ministry’ means an organization:

Excerpt from PPACA text: Liberty HealthShare Qualifies:
‘‘(I) which is described in section 501(c)(3) and is exempt from taxation under section 501(a), Liberty HealthShare is a 501(c)3 Non-profit organization exempt from taxation under 501(a)
‘‘(II) members of which share a common set of ethical or religious beliefs and share medical expenses among members in accordance with those beliefs and without regard to the State in which a member resides or is employed, Members of Liberty HealthShare endorse a common set of religious and ethical beliefs when they enroll, and share expenses accordingly and without regard to the State in which a member resides or works.
‘‘(III) members of which retain membership even after they develop a medical condition, Liberty HealthShare does not “raise rates” or “cancel” anyone because of a costly health condition
‘‘(IV) which (or a predecessor of which) has been in existence at all times since December 31, 1999, and medical expenses of its members have been shared continuously and without interruption since at least December 31, 1999, and Liberty HealthShare members have been sharing medical expenses continuously and without interruption since 1995.
‘‘(V) which conducts an annual audit which is performed by an independent certified public accounting firm in accordance with generally accepted accounting principles and which is made available to the public upon request. Liberty HealthShare conducts an annual audit in accordance with GAAP, and it is available to the public upon request.