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In this post, I am going to do a comparison of Liberty HealthShare and Solidarity Healthshare.
I will go over member responsibility amounts (what member’s pay before the community shares in any medical bills), monthly costs (this is dependent on age, individual/family memberships, and the Member Responsibility amount you choose), preventative sharing, pre-existing conditions, maternity, turnaround time to pay medical bills, and any special considerations to be aware of.
Member Responsibility Amounts
Liberty HealthShare Annual Unshared Amount (AUA): The Annual Unshared Amount for each program level must be paid before medical costs are eligible for sharing. Your AUA amount is determined by your account type;
Single: $1,000 (Liberty Unite and Liberty Connect) or $4,000 (Liberty Essential Plan)
Couple: $1,750 (Liberty Unite), $2,000 (Liberty Connect) or $8,000 (Liberty Essential Plan)
Family: $2,250 (Liberty Unite), $3,000 (Liberty Connect) or $12,000 (Liberty Essential Plan)
After you fulfill your Annual Unshared Amount (AUA), you may share eligible medical costs.
Solidarity HealthShare: The Annual Unshared Amount is the amount of money each member is responsible for regarding their health care costs before other members will begin sharing with them. This amount is $750 if you’re single, $1,500 for a couple, and $2,500 for a family.
Per Event Personal Expense amounts can be: $300, $500, or $1,000.
The Annual Unshared Amount can be: $3,300 (single), $3,600 (couple), or $3,900 (family)
Monthly Contribution Price Range
Liberty HealthShare: $159 to $1,239 + $50 extra for each family member over 5 people + $75 upon enrollment and every year.
Solidarity HealthShare: $149 to $599 + $120.00 upon enrollment and every year.
Statement of Faith
Liberty HealthShare: Must agree to adhering Christian standards and beliefs. The required beliefs are less strict or specific than other religious HealthShares, but they do require members to “participate regularly in worship or prayer”.
Solidarity HealthShare: Must agree to live by biblical principles and respects the moral teachings of the Catholic Church. Medical expenses related to anything that goes against Catholic ethics are not shareable.
For more detailed information on faith-based requirements, please read this post about Christian HealthShare Plans.
If you prefer a HealthShare that has no religious requirements, please read my post about Non-Religious HealthShare Plans.
Preventative Sharing
Liberty HealthShare: Annual wellness visits are shared up to $400 per visit. After two months of membership, mammograms, prostate examinations, and cologuard are shareable every other year or yearly after 50 years of age.
Solidarity HealthShare: They offer one annual wellness exam or physical per year. They allow multiple well baby visits per year within the first two years of birth.
Pre-Existing Conditions
Liberty HealthShare: During the first year of membership, there is a waiting period for pre-existing conditions. During the second and third year, they will share up to $50,000 for pre-existing conditions. After the fourth year, they do not consider it a pre-existing condition anymore.
Solidarity HealthShare: There is a 1 year waiting period, then in the second and third year, they offer up to $25,000 sharing and in the fourth year they no longer consider it a pre-existing condition.
For more detailed information, please read my post about How The Top HealthShare’s Handle Pre-Existing Conditions.
Maternity
Liberty HealthShare: Not eligible for sharing on the Liberty Select plan. There is a six month waiting period to have maternity needs shared on the other plans (for all members who start on or after March 1st, 2021).
Solidarity HealthShare: Members must be married in order to have maternity and newborn needs shared. Members would need to pay their member responsibility before maternity needs are shared.
Feel free to learn more at The Top HealthShare’s Maternity Benefits (Comparison Guide).
Turnaround Time for Paying Medical Bills
Liberty HealthShare: 90 Days
UPDATE: Liberty HealthShare sent out an email on 03/01/2022 to all members stating that they have a backlog on paying for people’s medical bills. Members are currently waiting longer than 90 days to have their medical bills paid for.
Solidarity HealthShare: 90 days
Considerations
Liberty HealthShare: The biggest consideration for Liberty HealthShare is their current backlog on paying for people’s medical bills, which has resulted in a lawsuit. Liberty HealthShare sent out an email to their members on 03/01/2022 and said that they were making big changes in leadership, to their membership plans, and to their pricing to help fix current issues.
It’s also important to consider membership plan’s caps and limitations:
Liberty Unite Plan – Up to $1 million shareable per incident after AUA has been met.
Liberty Connect – Up to $1 million shareable per incident after AUA has been met. Members pay a 15% co-share.
Liberty Essential – Up to $600,000 sharable per incident after AUA has been met. Members pay a 25% co-share.
Solidarity HealthShare: After paying your AUA, Solidarity HealthShare offers plans that will share 70% of medical bills up to $125,000 or 100% of your medical bills up $125,000 or up to $1 million per incident (depending on which plan you choose).
Which Health Share Plan Should You Join?
Choosing a Health Share plan is a very personal decision. Feel free to check out Liberty HealthShare Reviews and Solidarity HealthShare Reviews. I provide a lot more information on each Health Share and you can read reviews from other members.
There are so many different Health Share plans to choose from, which is great, but it can also be overwhelming! To help narrow down your choices, I wrote an article on the Best Health Share Plans. You will find which health share plans I recommend to help you on your search for affordable healthcare.
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