Liberty HealthShare puts community at the center of healthcare financing, creating a model where members support each other’s medical needs. The ministry functions on the biblical principle of bearing one another’s burdens, offering an alternative path for those seeking healthcare solutions aligned with their faith values.
Liberty HealthShare operates fundamentally differently from other healthcare financing options. Monthly contributions from members fund the sharing of eligible expenses within the community. This direct connection between members creates a tangible sense of mutual support.
“Liberty HealthShare is the conduit, but it was my fellow members who shared my eligible medical expenses,” explained Don Winslett, whose $58,000 in eligible prostate cancer treatment costs were shared by the community. “For them I’m very thankful.”
“Our focus at Liberty HealthShare is on our members,” says Chief Executive Officer Dorsey Morrow. “We are here to help facilitate sharing between our members. We are not driven by profit. It’s frankly our goal to go broke each month. The contributions coming in should be the contributions that go out.”
This encourages a community bound by shared values rather than corporate profit motives. The ministry’s approximately 165 team members work to facilitate these connections rather than build financial reserves.
Prayer-Centered Healthcare Support
Prayer distinguishes Liberty HealthShare from conventional healthcare financing. Staffers regularly pray with and for members facing medical challenges.
“We have a list that is distributed internally every Friday of prayer requests from our members,” Morrow shares. “It’s one of those times during the day you just stop, you read through it, and then we pray over it. Whether it’s with the member or for the member, we are about prayer. We strongly believe in that here.”
This spiritual dimension provides comfort during difficult health journeys. Cindy Pavell, who joined Liberty HealthShare in 2017 and has battled multiple health challenges, including breast cancer, values this faith-based attitude.
“My faith is an important part of my life, and through everything I have endured I see God at work on my behalf,” Pavell noted. The combination of practical support from the Liberty HealthShare community and spiritual encouragement creates a holistic care model rarely found in healthcare financing.
Guidance Through Healthcare Complexities
The Liberty HealthShare team provides personalized guidance to help members deal with healthcare decisions and provider interactions.
“Unlike insurance, you sign up and, ‘All right, there you go. Good luck.’ You can expect a lot of communication from us, a lot of resources,” Morrow explains. “We honestly and sincerely want to cater to our members and help them navigate their healthcare journey because there are providers out there that are difficult to work with or who are not going to be transparent in talking to you.”
The ministry employs nurses who understand various medical issues and maintain regular contact with members facing health challenges. Pavell reported receiving periodic check-in calls from the Care Navigation team during her cancer treatment.
This hands-on approach addresses a common frustration with healthcare systems where patients often feel like they aren’t cared for. Winslett reflected on his previous experiences: “It was always a little difficult for me dealing with the insurance companies because to them you truly are just a number.”
Liberty HealthShare member Melissa Searls found out about the ministry through a physician. “There is a niche of people that really need Liberty HealthShare,” Searls said. “I’m pretty healthy, so it’s really peace of mind for me knowing that the community can be there for me if I get sick.”
Transparent Operations Build Member Trust
Liberty HealthShare prioritizes operational transparency with members. The ministry openly shares financial information, guidelines, audit reports, and leadership details.
“Anything and everything you want to know about Liberty HealthShare, you can go to our website. You’ll see we are an open book,” Morrow states. “If for some reason you can’t find what you’re looking for, give us a call, shoot us an email. We will be glad to work with you to get the information that you’re needing.”
Members can track their contributions’ impact through an online portal called ShareBox, reinforcing the community connection by showing exactly how their monthly shares help others.
Additionally, the ministry has earned recognition from Charity Navigator for operational excellence, transparency, and accountability.
Flexibility That Respects Individual Needs
Liberty HealthShare offers six different programs tailored for various family sizes and financial circumstances. Monthly share amounts range from $87 to $369 for individuals, with family options starting at $319.
“We’ve got a number of programs so that somebody can select whatever works best for their family,” Morrow explains. The ministry also offers a dental sharing program with monthly shares starting at $35.
This flexibility extends to provider choice. While Liberty HealthShare participates in one of the country’s largest networks to help control costs, members remain free to see any provider.
Year-round enrollment without annual commitment requirements provides additional freedom. “If you determine it doesn’t work for you, you’re not locked into it. You’re free to move to another program, another ministry, or some other option,” Morrow notes.
Proactive Medical Cost Management
The ministry actively works to reduce healthcare costs through multiple negotiation strategies. Rather than relying on a single approach, Liberty HealthShare employs several specialized vendors to engage with providers.
“We don’t use just one or two vendors to help us negotiate with medical providers on behalf of our members,” Morrow explains. “We’ve got three or four various vendors, and each of them have a very specific task and help us identify problem areas.”
Members frequently highlight this benefit in their testimonials. “They also do the work of trying to lower the cost of medical bills instead of making me do it,” noted member Jen Lamb.
Member-Driven Program Development
Liberty HealthShare actively incorporates feedback into program development. “We do every six months a survey of our members asking them about their emerging needs,” Morrow adds. “We ask, ‘What do you need?’ And so, we constantly have that list with us. And as we’re looking at developing new programs, a lot of it comes from member ideas.”
This responsive approach led to the creation of their dental sharing program after members expressed interest in coverage options.
Advocating Personal Healthcare Responsibility
Liberty HealthShare encourages members to take active roles in their healthcare decisions rather than passively accepting provider recommendations.
“Taking responsibility for our own healthcare” represents a fundamental ministry value. Morrow observes that since employer-sponsored insurance became widespread, “America basically has turned financing healthcare and taking responsibility for their healthcare on autopilot.”
