Compare 4 options
Side by side, row by row. Health sharing prices are national.
Health sharing is not insurance
- No guarantee. Sharing is voluntary. The program can decline to share a bill, and payment of your medical bills is not guaranteed.
- Not regulated as insurance. ACA consumer protections do not apply, and you cannot get ACA premium tax credits for it.
- No legal yearly cap. There is no out-of-pocket maximum. Each new medical need can mean paying the amount you pay first (the IUA) again.
| Row | SederaSELECT+, $2,500 IUARemove | SederaSELECT+, $5,000 IUA (30+, member only, eff. 4/1/26)Remove | Zion HealthShareDirect, $2,500 IUA (40-49, member only)Remove | Christian Healthcare MinistriesGoldRemove |
|---|---|---|---|---|
| What it is | Not insuranceHealth sharing program | Not insuranceHealth sharing program | Not insuranceHealth sharing program | Not insuranceHealth sharing program |
| Where | National | National | National, except MD, MA, PA, MT | National |
| Level | SELECT+, $2,500 IUA | SELECT+, $5,000 IUA (30+, member only, eff. 4/1/26) | Direct, $2,500 IUA (40-49, member only) | Gold |
| Monthly price (age 40) | $251National price; no tax credits | $233National price; no tax credits | $214National price; no tax creditsLowest | $299National price; no tax credits |
| Deductible / amount you pay first | $2,500Per medical need (IUA); can repeat | $5,000Per medical need (IUA); can repeat | $2,500Per medical need (IUA); can repeat | $1,250Per medical need (IUA); can repeat |
| Out-of-pocket maximum | None: no legal cap | None: no legal cap | None: no legal cap | None: no legal cap |
| One bad year | $5,51212 × monthly + one IUA; more needs cost more | $7,79612 × monthly + one IUA; more needs cost more | $5,06812 × monthly + one IUA; more needs cost more | $4,83812 × monthly + one IUA; more needs cost more |
| Are your bills paid? | Not guaranteed: sharing is voluntary | Not guaranteed: sharing is voluntary | Not guaranteed: sharing is voluntary | Not guaranteed: sharing is voluntary |
| Pre-existing conditions | Often excluded or limited | Often excluded or limited | Often excluded or limited | Often excluded or limited |
| Tax credits (subsidies) | Not available | Not available | Not available | Not available |
| Yearly or lifetime dollar limits | Not captured | Not captured | Not captured | $125,000 per illness (more with CHM Plus add-on) |
| Network type | Not listed | Not listed | Not listed | Not listed |
| Is this price right? | ||||
| Official pages | Program page ↗ | Program page ↗ | Program page ↗ | Program page ↗ |
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Green = lowest in that row. Plans from different counties can be compared, but your real price depends on where you live.