CHM (Barberton, Ohio, founded 1981) and Liberty HealthShare (Canton, Ohio, founded 1995) grew up in the same state with very different temperaments. CHM stayed deliberately plain: three programs, per-unit pricing published to the dollar, a simple add-on. Liberty pushed growth hard, stumbled publicly in the late 2010s, and is now rebuilding credibility through price cuts. The 2026 numbers put CHM at $115–$299 per unit and Liberty at $87–$362 for individuals.
| CHM (Christian Healthcare Ministries) | Liberty HealthShare | |
|---|---|---|
| Founded | 1981 | 1995 |
| Headquarters | Barberton, OH | Canton, OH |
| Monthly price range | $115–$299 per unit/mo (Bronze–Gold, 2026); SeniorShare $119 | $87–$362/mo individuals; families from $319 (2026) |
| Initial unshared amount | Personal Responsibility: $1,250 (Gold), $3,000 (Silver), $6,000 (Bronze) | — |
| Per-need sharing limit | $125,000 per illness; CHM Plus add-on raises limits (unlimited on Gold) | Up to $300,000 for unexpected eligible expenses (Freedom, under-35 program) |
| Programs | Gold, Silver, Bronze, SeniorShare, CHM Plus add-on ($42/unit) | Freedom (under 35), and other program tiers |
| Faith requirements | Statement of faith | Statement of faith |
Data verified as of September 2026. Confirm current pricing and guidelines with each ministry directly.
Full CHM profile · Full Liberty HealthShare profile
How the models differ
CHM’s structure is the easiest in the industry to verify against your own situation: a unit price, a Personal Responsibility per incident, a $125,000 per-illness cap, and a $42 add-on that raises it. Liberty’s current program set is more price-forward — under-35 shares start at $89 for singles with a $300,000 cap on unexpected eligible expenses — and its 2026 reductions plus the $2M member refund are real gestures toward members. What CHM offers that Liberty’s pricing can’t is 45 years of uninterrupted operational consistency; what Liberty offers that CHM’s plainer programs don’t is aggressive pricing.
Who each one suits
CHM strengths
- The oldest sharing ministry in America (founded 1981)
- Transparent unit pricing: $115–$299/unit (2026), published plainly
- CHM Plus add-on ($42/unit) lifts per-illness caps — unlimited on Gold
CHM watch-outs
- Base sharing caps at $125,000 per illness without CHM Plus
- Personal Responsibility applies per medical incident
- No provider network — members handle provider billing directly
Liberty HealthShare strengths
- Monthly shares reduced two years running; $2M+ returned to members in 2026
- Low entry pricing — under-35 Freedom program starts at $89 for singles
- Founded 1995, decades of operating history
Liberty HealthShare watch-outs
- Well-documented sharing backlogs in the late 2010s — verify current turnaround times
- The under-35 program caps sharing at $300,000 for unexpected eligible expenses
- Pricing history has shifted; read current program terms carefully
The verdict
For members who weight track record and structural simplicity, CHM is one of the safest picks in the industry. For members who weight monthly cost and are satisfied by Liberty’s current direction, its 2026 pricing wins. If you choose Liberty, do one extra step: ask current members about recent bill-sharing turnaround before you join.
Disclosure: this site is published by Anglican Care, a healthcare sharing ministry. We publish the same data categories for every ministry we cover, including our own — and these comparisons can lead you to another ministry without us. Data verified September 2026; ministries change pricing and guidelines regularly, so confirm current terms before joining.