Millions of Americans are facing steep increases when exploring ACA health insurance plans for 2026. A recent analysis by KFF found that the average ACA Marketplace premium is expected to rise by 26 percent. Without the temporary enhanced tax credits that expire at the end of the year, some premiums could more than double, leaving many families struggling to afford coverage.
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Premium increases vary based on income, age, family size, and location. In North Carolina, average ACA premiums are projected to rise between 16 and 34 percent. Ohio sees increases of 13 to 17 percent, Texas 35 percent, Florida 34 percent, and Pennsylvania 21 percent. Attempting to avoid these high costs, some are turning to lower-tier plans only to encounter deductibles of $7,000 or more.
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As a result, thousands of Americans are considering healthcare sharing ministries such as Liberty HealthShare. Unlike traditional insurance, Liberty HealthShare has managed to reduce costs for members this year. Dorsey Morrow, Chief Executive Officer of Liberty HealthShare, explained that inquiries from prospective members surged in November 2025, increasing more than 300 percent compared to November 2024. He added that monthly enrollments have grown for 27 consecutive months, with November 2025 reaching the highest levels in over three years and December showing even stronger trends.
Morrow emphasized that while healthsharing is not insurance, it provides an affordable alternative to soaring premiums and high out-of-pocket costs. He said that paying $12,000 in deductibles before insurance coverage begins is effectively like having no coverage at all. Morrow also noted that healthsharing is not suitable for everyone and encouraged prospective members to review the Sharing Guidelines to understand which medical expenses are eligible for sharing. Members contribute voluntarily each month, and eligible medical costs are shared among the community, typically within 30 to 45 days.
Liberty HealthShare operates as a non-profit ministry supporting Christians nationwide. It functions on the principle of sharing one another’s burdens, with contributions from members funding the payment of eligible medical expenses. Last year, members shared more than $454 million in billed medical charges, which were repriced to just over $154 million, saving more than $300 million. Since 2014, the ministry has facilitated nearly $5 billion in shared, repriced medical expenses for members.
Morrow highlighted the ongoing challenges of rising healthcare costs, stating that Liberty HealthShare offers a more affordable solution for Christians to manage healthcare. He believes that all families deserve access to options that align with their values and provide meaningful support.
Founded in 1995, Liberty HealthShare provides an affordable, faith-based alternative to health insurance. Members can select their own providers while participating in a community focused on compassion and transparency. The ministry offers tailored programs for young adults, families, seniors, and individuals. Monthly share amounts for individuals range from $87 to $362, while family plans for four start at $319 per month. Most programs include free urgent care, mental wellness telehealth visits, and prescription discounts.
Liberty Dental offers monthly share amounts starting at $35 and allows members to see any dentist without network restrictions. Liberty Vision enables families to share costs for eye exams, glasses, contacts, and even LASIK, with monthly shares starting at $7 per individual.
Liberty HealthShare is recognized as one of the most transparent non-profit organizations in the U.S. It holds both Candid’s 2025 GuideStar Gold Seal and Charity Navigator’s four-star rating and is accredited by the Better Business Bureau with an A+ rating, making it a trusted option for families seeking an alternative to traditional health insurance.
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