Millions of Americans are experiencing significant increases in health insurance premiums as they prepare to enroll in plans for 2026. An analysis by the Kaiser Family Foundation (KFF) indicates that the average premium for ACA Marketplace plans is rising by an alarming 26%. This increase comes just before the expiration of enhanced tax credits on December 31, 2025, which, if not renewed, could lead to even steeper hikes in premiums for many individuals and families.
The extent of these increases varies widely based on factors such as income, age, family size, and geographic location. For instance, consumers in North Carolina may see average premium increases ranging from 16% to 34%, while those in Texas could face a sharp rise of 35%. Other states like Florida, Ohio, and Pennsylvania also report significant hikes, with increases of up to 34% in Florida and 21% in Pennsylvania.
As people seek to mitigate these rising costs, many are turning to lower-tier plans, only to find themselves grappling with high deductibles exceeding $7,000. In light of these challenges, healthcare sharing ministries such as Liberty HealthShare are gaining traction as a viable alternative. Dorsey Morrow, chief executive officer of Liberty HealthShare, reported a remarkable surge in interest, noting that inquiries from prospective members rose by more than 300% in November 2025 compared to the same month the previous year.
Liberty HealthShare has seen consistent growth in monthly enrollments, achieving its highest numbers in over three years. Morrow emphasized that health sharing, while not insurance, presents a cost-effective solution for individuals burdened by exorbitant premiums and out-of-pocket expenses. “If you’re paying $12,000 before the insurance company pays a cent, it’s like you don’t have insurance at all,” he stated.
For those contemplating Liberty HealthShare, Morrow advises potential members to review the ministry’s Sharing Guidelines to understand what medical expenses are eligible for sharing. Unlike traditional insurance, healthsharing does not adhere to the same mandates as ACA plans. Instead, it allows members to contribute towards one another’s medical expenses, significantly lowering individual costs. Members typically share eligible expenses within an average of 30-45 days.
Liberty HealthShare operates based on Christian principles, encouraging community support through voluntary monthly contributions. Last year, these contributions enabled the sharing of over $454 million in medical charges, which were repriced to approximately $154 million, resulting in savings exceeding $300 million for members. Since its inception in 2014, Liberty HealthShare has facilitated nearly $5 billion in eligible medical expenses.
Morrow highlighted the pressing nature of rising healthcare costs, stating, “The rising costs of healthcare and insurance premiums are a concern for families and businesses alike.” He reiterated Liberty HealthShare’s commitment to providing affordable healthcare options that align with the values of its members.
Established in 1995, Liberty HealthShare offers a faith-based alternative to traditional health insurance. Members are free to choose their own healthcare providers while benefiting from a supportive community. The organization emphasizes transparency and stewardship, offering programs tailored for various demographics, including young adults, families, and seniors.
Liberty HealthShare provides six affordable medical cost-sharing programs with suggested monthly contributions for individuals ranging from $87 to $362. For families of four, monthly contributions start at $319. Most programs include free urgent care and mental wellness telehealth visits, alongside discounts for prescription medications. Additionally, the ministry features dental and vision sharing programs, with monthly contributions starting as low as $7 for individuals.
Recognized for its commitment to transparency, Liberty HealthShare holds both Candid’s 2025 GuideStar Gold Seal and Charity Navigator’s 4-Star rating. It is also accredited by the Better Business Bureau with an A+ rating. Unlike traditional insurance providers, enrollment in Liberty HealthShare is available year-round, unrestricted by life events.
For those interested in exploring its sharing programs, Liberty HealthShare invites inquiries through their website or by phone. Earlier this year, the ministry established the Sharing Hearts Fund for Pediatric Wellness, aimed at supporting families in Stark County, Ohio, with medical needs related to children’s health.
As a non-profit, faith-based medical cost-sharing ministry, Liberty HealthShare focuses on fostering a caring community where members help one another during challenging times. While it is not an insurance provider, it offers an alternative for those seeking to manage healthcare costs effectively while adhering to Christian values.
