Sedera cost (2026): not insurance
Sedera is a health sharing program, not insurance. Listed prices run from $233 to $437 a month for one adult age 40, and you pay $500–$5,000 first for each medical need. Not insurance
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.
- Pre-existing conditions. Often excluded or limited, sometimes for years.
- Membership rules. Many programs require a statement of faith or lifestyle commitments.
Sedera vs. health insurance
| Health insurance (ACA) | Health sharing Not insurance | |
|---|---|---|
| Is it insurance? | Yes. Regulated by your state and the ACA. | No. A membership program, not regulated as insurance. |
| Are your bills paid? | Covered claims must be paid under the policy. | Not guaranteed. Sharing is voluntary. |
| Yearly cap on what you pay | Yes: a legal out-of-pocket maximum for in-network care. | No legal cap. You may pay the IUA once per medical need. |
| Pre-existing conditions | Covered from day one. | Often excluded or limited. |
| Tax credits (subsidies) | Available based on income; most marketplace buyers get one. | Not available. |
| Essential health benefits | Required (preventive care, maternity, mental health, prescriptions and more). | Not required; each program sets its own rules. |
| When you can join | Open enrollment, or a special enrollment period after a life event. | Varies by program; many require a statement of faith. |
For contrast, the typical marketplace Bronze plan nationally is $548/mo before tax credits, with a legal out-of-pocket cap; most marketplace buyers get a tax credit, which health sharing never qualifies for. What one, two or three medical needs cost in each.
Other health sharing programs
- Christian Healthcare Ministries $115–$299/mo
- Liberty HealthShare $180–$312/mo
- Samaritan Ministries $185–$330/mo
- Zion HealthShare $188–$254/mo
- CrowdHealth $200/mo
- Medi-Share quote only
- Knew Health quote only
Frequently asked questions
How much does Sedera cost?
Sedera lists $233–$437 a month for one adult age 40 (5 options, checked October 2026 on the program's own price page or rate sheet). Prices for other ages and households differ; ask the program.
Is Sedera health insurance?
No. Sedera is a health sharing program, not insurance: payment of your medical bills is not guaranteed, there is no legal yearly out-of-pocket cap, pre-existing conditions are often excluded or limited, and ACA tax credits do not apply.
How much do you pay first with Sedera?
Before sharing starts you pay $500–$5,000 for each medical need (the initial unshared amount, IUA), depending on the option. A second medical need in the same year can mean paying it again.
Is Sedera available in every state?
We found no state list on its site. The program says: "May not be available in all states" (list not published); "May not be available in all states".