Liberty HealthShare
Legal name: Gospel Light Mennonite Church Medical Aid Plan Inc
Nonprofit profile at a glance
- EIN
- 472042581
- IRS 990 coverage
- 2015–2025
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2025
- Location
- Canton, OH, US
- Phone
- 855-585-4237
- Rating
- 76
- Verdict
- SUPPORTED
- Rating confidence
- Moderate
- Sector
- Christianity
- Affiliation
- Christianity
Reported finances
- Revenue
- $138,414,560
- Expenses
- $114,285,615
- Assets
- $53,792,279
- Liabilities
- $4,344,364
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
19 people listed
Executive titles in this filing
- DORSEY MORROW (CEO)
- RANDY FOSTER (VICE PRESIDENT OF FINANCE AND CFO)
Highest reported compensation
- DORSEY MORROW (CEO): $490,971 total reported compensation
- RANDY FOSTER (VICE PRESIDENT OF FINANCE AND CFO): $234,638 total reported compensation
- ANDREW BERNAT (LEAD COUNSEL): $229,437 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Liberty HealthShare is a Christian health care sharing ministry/community where like-minded members walk together by sharing medical expenses (even through times of need) with prayer, encouragement, and financial support. Liberty HealthShare is a community of like-minded, health-conscious individuals and families who walk together where faith and healthcare unite. Members join arm and hand to support each other in their collective times of need through prayer, encouragement and financial support. about-liberty-healthshare Seeing is believing. Liberty HealthShare members can take advantage of additional features and save even more on their healthcare.1 We designed our programs to provide our participants the freedom to choose the ones that best suit their budget and needs. Looking to compare options? **Click here to view and compare all Liberty HealthShare programs and features....
What it reported doing in 2025
Gospel light mennonite church medical aid plan, inc., dba liberty healthshare, is a not-for-profit health care sharing ministry. In general, a health care sharing ministry is a tax-exempt organization whose members share a common set of ethical or religious beliefs and share medical expenses in accordance with those beliefs, even after a member develops a medical condition.since 1995, liberty healthshare has equipped health-conscious christian individuals and families to make wise healthcare decisions. Our supportive community commits to bearing one another's burdens in prayer, encouragement and financial support. By emphasizing good stewardship of our bodies and our healthcare spending, and providing helpful advice, we help our members stay in good health, budget for medical needs and reduce the overwhelming complexity of navigating our nation's medical care system.participants share in the medical, hospice, and burial costs of others who have joined together to aid each other.
Operating model
- Revenue model
- Donor-supported. 98% of the money available for current operations came from contributions and gifts.
- Distribution model
- Member-benefit provider. The nonprofit used 86% of its reported program spending for member benefits.
The verdict
SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. The filing does not identify recipients for some grant dollars and total assets are small relative to annual expenses; liquid coverage is unknown.
Rating breakdown
- Financial Efficiency: 70
- Transparency & Controls: 68
- Accountability: 100
- Sustainability: 59
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 73.4%; rating input score 73
- Program expense ratio: 88.7%; rating input score 89
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 93.3%; rating input score 93; 18th percentile among comparable filings
- Pay-setting controls: 4 of 6 controls in place; rating input score 67
- Compensation committee: Missing
- Independent consultant: Missing
- Other Form 990s reviewed: Pass
- Written employment contract: Pass
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: 28.3%; rating input score 28; 10th percentile among comparable filings
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 65th percentile among comparable filings
- Governance controls: 9 of 9 controls in place; rating input score 100
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 17.4%; rating input score 82; 82nd percentile among comparable filings
- Total-asset coverage ratio: 0.47; rating input score 14; 14th percentile among comparable filings
- Liabilities to assets ratio: 0.08; rating input score 78; 78th percentile among comparable filings
- Officer compensation ratio: 2.2%; rating input score 57; 57th percentile among comparable filings
Growth
- Program expense growth: 17.2% per year; rating input score 100; 88th percentile among comparable filings
- Revenue growth: 16.2% per year; rating input score 100; 89th percentile among comparable filings
- Asset growth: 26% per year; rating input score 100; 96th percentile among comparable filings
Details
- What they do: Mission, programs, and operating context captured from the official website.
- Where the money goes: 73.4% of revenue deployed · 88.7% of spending went to programs
- Governance: 7 of 7 board members independent · 9 of 9 filing controls reported
- Programs: 2 filed program accomplishments · $101.3M in reported program spending
- Leadership: top reported pay $491K · 19 people listed · 4 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $7.5M reported
- Consistency: 36 of 37 current checks pass · 1 finding to review
- Schedules: 7 filed schedules · includes grants and executive pay
- Filing history: 11 filing years from 2015 to 2025
- Contacts: How to reach this organization
- Money network: 13 filed money-flow records
- Related organizations: 1 filed related-organization link
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Transparency & Controls: Grant itemization coverage scored 28/100.
- High — Sustainability: Total-asset coverage ratio scored 14/100.
- Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
- Review — Sustainability: Officer compensation ratio scored 57/100.