Tim Greeson spent more than 25 years as a freelance technical director and event manager in New York City. When he encountered Liberty HealthShare in 2017, a Canton, Ohio-based Christian nonprofit healthcare sharing ministry in which members voluntarily contribute monthly to help share one another’s eligible medical expenses, he had no frame of reference for how it worked. “It was something I never heard of before,” he said in the ministry’s Q4 2025 Member Quarterly. “I was like, well, let me try it because I don’t want to keep spending the kind of money I was on insurance. I’m staying healthy, and this insurance just keeps going up. I needed to try something different.”
His first real test came quickly. A kidney stone sent him to the emergency room, where a CT scan confirmed a large stone and put him in the hands of doctors debating surgical intervention. Surgery proved unnecessary, but the bill was not small. “Because of the CT scan, the bill was like $11,000,” Greeson recalled. “I paid my $1,000 AUA, and Liberty HealthShare members shared into everything else. That’s when I realized, OK, this is cool. It’s a really good situation.”
Greeson’s reaction went beyond the financial arithmetic. What appealed to him was the underlying model itself. “Nobody is making money off this,” he said. “It’s just a service. I like that idea. I promised to live a certain kind of lifestyle, no smoking, and staying as healthy as possible. It feels very Christian to me, and that’s a good thing.”
When the Stakes Were Highest
Greeson’s account illustrates a common pattern in Liberty HealthShare member feedback: initial uncertainty followed by a moment, usually a medical event, that tests the ministry’s model in concrete terms. For other members, those moments arrived under far more difficult circumstances.
Shawn Carroll joined Liberty HealthShare in 2017 and faced a serious car accident shortly after enrolling. The collision generated medical bills that exceeded her auto insurance limits, leaving a gap that could have compounded an already devastating experience. “Liberty HealthShare picked things right up after that and surpassed my expectations,” Carroll recalled. The accident affected her livelihood as an artist, but Carroll rebuilt her skills through therapy and, over time, regained her ability to work. Her assessment of the ministry’s role was direct: “Liberty HealthShare has certainly been another miracle in my life.”
Antonio and Willow Monterrosa came to the decision more deliberately. Faced with monthly family insurance costs of $3,600, they researched the top four healthcare cost-sharing ministries before concluding that Liberty HealthShare was the best fit. Antonio Monterrosa described how that decision was validated when medical bills arrived. “The first real test of our Liberty HealthShare membership came when I received hospital and surgeon bills totaling $8,000,” he recalled. “But it was all shared by our fellow Liberty HealthShare members.” His assessment of the ministry’s underlying philosophy was equally candid: “I have infinitely more faith in Jesus than insurance companies. I’ve never hesitated to continue my membership with Liberty HealthShare.”
What Members Say About the Experience Itself
Not every member account centers on a major medical event. Some focus on the mechanics of membership — how bills get submitted, how questions get answered, or how the ministry communicates. Brenna Ortner described Liberty HealthShare as “such a breath of fresh air,” specifically citing the ministry’s online resource ShareBox for being “easy to use to submit bills” and to “send in questions.” That kind of friction-free process matters to members navigating healthcare expenses, particularly those doing so without an employer’s benefits department to absorb administrative complexity.
Chief Executive Officer Dorsey Morrow has spoken directly to the ministry’s philosophy of service. “Our focus at Liberty HealthShare is on our members,” Morrow has said. “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.” That framing — equal parts accountability and mission — appears in member accounts as well, with several describing the ministry’s transparency as a distinguishing factor in their decision to join and stay.
Faith, Flexibility, and the Long View
What emerges across member accounts is not a single profile of the Liberty HealthShare member, but several overlapping ones. Some arrived after years of escalating costs made their previous arrangements unsustainable. Others came through community recommendations, word of mouth among people who shared a faith background and a distrust of passive, transactional healthcare financing. What most share is a sense that the ministry’s model matched something they were already looking for. A community where contributions flow directly to other members’ needs, not to shareholders or reserves.
The ministry’s structure supports that perception. Liberty HealthShare offers six medical sharing programs with suggested monthly share amounts for individuals ranging from $87 to $369, and family options starting at $319 per month. Members can move between programs or leave without annual commitments, a flexibility that comes up repeatedly in member feedback and that Morrow has addressed plainly: “You’re free to move to another program, another ministry, or some other option.”
That posture carries through to how the ministry handles transparency more broadly. Financial disclosures, audit reports, board information, and member guidelines are publicly accessible on libertyhealthshare.org.
“Anything and everything you want to know about Liberty HealthShare, you can go to our website,” Morrow posits. “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.”
Follow our WhatsApp channel
