If Liberty health share accepts you, you should do it. You can get $1 million coverage so there is no need to get any backup.
The reason for the back up is that Liberty is not insurance..and they don’t have to pay. If they get hit with a bunch of million dollar claims in the same year..someone may lose out.
I am paranoid. there have been several lawsuits with another healthshare that in turn changed its name . CEOs using the money for personal use etc.