Liberty HealthShare was a viable option when my wife retired a few years ago and my insurance was too costly at the time with few options that would benefit her. We liked the self reliant approach and caring community Liberty HealthShare offered. She was able to choose her own doctors and other facilities, and Liberty has a marvelous network of doctors and hospitals and imaging centers that offered ratings of each one. We found this very helpful. The first year was a bit strenuous, finding her doctor and going through all the process the first time, but after that, the payments for routine screenings were sent in a timely manner and a positive relationship was established. Liberty health offers tele-doctors and mail in prescriptions too.