Healthcare Sharing, or Groups, are non-profit organizations of like-minded individuals that pool their money together every month to help each other with serious medical costs. They are NOT considered insurance but ARE exempt from Affordable Care Act taxes. Most are Christian based ministries, but some are less restrictive. The groups usually require members to adhere to moral and ethical principles that result in lower healthcare costs; such as not smoking, avoiding excessive alcohol, no extra marital sex, and no illicit drugs. Since these plans are not insurance, they can restrict or refuse Approval, i.e. exclude for pre-existing conditions.
These health sharing plans can provide catastrophic healthcare protection (like health insurance should be doing) for significantly lower monthly costs.
Everyone's monthly "share" is placed in their "Sharebox" until it is matched to another member's eligible bills.
2. Visit Your Doctor
Show your member ID when you experience medical costs.
Your doctor sends bills electronically to Liberty HealthShare℠
Balanced Physician Care Recommends
(Liberty HealthShare will reimburse a portion of our Direct Primary Care Membership - up to $40 per month)
Liberty HealthShare℠ receives and processes your bills for discounts, and sharing eligibility.
Members contribute from their "Sharebox" to your secure online ShareBox account
You and your doctor will receive an Explanation of Sharing to confirm payment.
Average families pay $400 to $500 a month depending on the amount of people covered and the amount of out of pocket portion the family can bare.
Check out these sharing groups to see if one can help you get some financial protection, lower costs and avoid the Obamacare tax.