I LOVE Liberty HealthShare. Let me first state, I am a financial advisor and insurance agent that specializes in health coverage for all ages. When I heard about LHS 3 years ago from friends, I looked into it and said to myself "now this is how insurance should work". I signed up and immediately saved 30% on my premium from my existing ACA plan. I only have a $500 deductible, then 100% coverage. To me, the best part is their in house service. I can call and talk to someone during the week. I can send questions via email and they actually respond quickly. These are real people, with real feelings and compassion. They definitely found their "Calling". Some times, when you go to a provider that does not have a billing agreement with LHS, you can either have them sign one or you can do it the way we used to years ago. Have the Provider send the bill to LHS, they will then contact your provider and work on the billing.LHS will then let you know your portion of the bill. They are very good about this. I highly recommend LHS to anyone under 65 years old.