Liberty HealthShare
Christian sharing with faith and lifestyle requirements. New Mexico ordered Gospel Light to cease HCSM operations in 2023; members lost a preliminary injunction at the 10th Circuit in 2025.
- Editorial score
- 70
- Methodology
- 2026.1
- Reviewed
- 2026-08-27
Health sharing is not insurance. Programs are not legally required to pay medical expenses and do not have to provide Affordable Care Act protections. NAIC consumer guidance.
Identity and structure
We separate the consumer brand from the organization that actually administers sharing, so two white labels of one program cannot look like two independent choices.
- Consumer brand
- Liberty HealthShare
- Underlying sharing organization
- Gospel Light Mennonite Church Medical Aid Plan
- Program administrator
- Liberty HealthShare
- Underlying program group
- liberty-core
- Membership standard
- Christian faith and lifestyle standards
- Sharing model
- Health-care sharing ministry
- Directory status
- Restricted in at least one state
- State exclusions (verified)
- No verified exclusion list
- Operating since
- 1995
- CMS-named HCSM
- Yes — named among the large federal HCSMs
Enforcement and proceedings
New Mexico · 2023-02-22
NM OSI final order: cease HCSM operations in New Mexico until Insurance Code compliance; fine reduced to $2,510,000.
SourceU.S. Court of Appeals for the Tenth Circuit · 2025-02-27
Renteria v. NM OSI: panel affirmed denial of a preliminary injunction against the cease-and-desist. Cert petition pending.
Source
Best for
- Christians comparing ministry alternatives to Medi-Share or CHM
Not ideal for
- Secular households
- Anyone needing guaranteed payment
- New Mexico residents — the program was ordered to cease operating there
Program facts
- Monthly share
- Varies by program and household. Confirm official materials.
- Member responsibility (IUA)
- Member responsibility / IUA-style amounts. Confirm current guideline.
- Household pricing
- Household-based.
- State availability
- Confirm current state rules and notices.
- Pre-existing conditions
- Limitations typical of sharing ministries. Confirm current guideline.
- Waiting / phase-in
- Yes, for specified needs.
- Maternity
- Often limited or waiting-period based.
- Preventive
- Not an ACA mandate.
- Prescriptions
- Program-specific.
- Virtual care
- Confirm current partners.
- Provider access
- Typically any provider, subject to guidelines.
- Limits
- Caps and unshareable lists apply.
- Membership requirements
- Christian faith and lifestyle standards.
- Cancellation
- Ministry membership rules.
How this score was built
| Dimension | Weight | Score |
|---|---|---|
| Sharing scope and material limitations Christian sharing with faith and lifestyle requirements and published unshareable lists. | 20 | 68 |
| Cost and member responsibility Monthly share plus member responsibility that varies by program. Not a premium. | 20 | 72 |
| Transparency and guideline clarity Guidelines exist; public comparison data is thinner than the largest ministries. | 20 | 70 |
| Member support and advocacy Member services documented; faith requirement is material. | 15 | 68 |
| Provider access and included services Generally any provider subject to guidelines. | 10 | 70 |
| Administration and operating history Long-running Christian sharing organization (publicly dated to the 1990s). | 10 | 80 |
| Evidence freshness and completeness Public site reviewed; treat program dollars as unverified until the current guideline is attached. | 5 | 62 |
Known limitations
- Thinner public evidence than the largest ministries.
- New Mexico enforcement is material and is not folded into the 2026.1 dimension scores — those scores predate this catalog field.
- SourceLiberty HealthShare public siteEffective 2026-08-27Reviewed 2026-08-27