I give 5 stars. I have been with Liberty Health share for 3 years. Yes, the software was a mess. Yes, a painful experience. However that is behind me, I will say they did pay for my daughters tonsil removal, a scope for my other daughter, and a colonoscopy for me. Fortunately we are all in good health, the wellness benefit covers my wife and daughters annual woman visits, and my male checkups at no cost. If you looked at the Healthcare.gov I would have spent twice the cost and had deductibles to the moon. We are please with our service and will continue into 2020 and beyond. I am proud of Liberty Health Share.