Luckily, or so Martin thought, she had placed her trust — and her money — in Liberty HealthShare. Liberty is what’s known as a health care sharing ministry, a nonprofit alternative to medical insurance rooted in Christian principles. Hundreds of thousands of people rely on such organizations for basic health coverage.
Martin forwarded the overdue notices to Liberty, writing on one in pen, “WHY HAS THIS NOT BEEN PAID?” In emails Martin’s family shared with ProPublica, she pleaded, “I am asking for your help and compassion. Help me, I don’t know what else to do. … I CANNOT deal with this stress and fight cancer. You say you are a ministry and want to help people. THEN HELP!!!”
Martin died in July 2022 at age 63. Liberty never settled the bills that she had begged them to pay.
What Martin didn’t know when she joined Liberty was that she was sending her money to members of a family with a long and well-documented history of fraud.
For generations, members of the Beers family of Canton, Ohio, have used Christian faith to sell health coverage to more than a hundred thousand people like Martin. Instead they delivered pain, debt and financial ruin, according to an investigation by ProPublica based on leaked internal documents, land records, court files and interviews. They have done this not once but twice and have faced few consequences.
Patriarch Daniel J. Beers, 60, lies at the center of the family network. He was a leading figure in a scheme in the 1990s involving a health care sharing ministry that fraudulently siphoned tens of millions of dollars from members, court records show. Two decades later, he played a key role in building Liberty into one of the nation’s largest sharing ministries, several of the nonprofit’s current and former employees told ProPublica.
Four years after its launch in 2014, the ministry enrolled members in almost every state and collected $300 million in annual revenue. Liberty used the money to pay at least $140 million to businesses owned and operated by Beers family members and friends over a seven-year period, the investigation found. The family then funneled the money through a network of shell companies to buy a private airline in Ohio, more than $20 million in real estate holdings and scores of other businesses, including a winery in Oregon that they turned into a marijuana farm.
Between 2015 and 2021, Liberty collected at least $1.9 billion in revenue, according to
tax filings and internal audits. But ProPublica found that Liberty did not report more than $1 billion of those payments to state and federal tax agencies on its financial balance sheet.
After years of complaints, health care sharing ministries are now attracting more scrutiny.
Sharity Ministries, once among the largest organizations in the industry,
filed for bankruptcy and then dissolved in 2021 as regulators in multiple states investigated its failure to pay members’ bills. In January, the Justice Department seized the assets of a small Missouri-based ministry, Medical Cost Sharing Inc., and those of its founders,
accusing them of fraud and self-enrichment.