The Best HSA Secure Alternatives for 2026
HSA Secure is the only health sharing plan built specifically for HSA compatibility — it runs on Zion HealthShare's own sharing community and rate table ($114–$320/month individual, $334–$899/month family) and bundles a MEC (minimum essential coverage) insurance policy so the combined product qualifies as an HSA-eligible High Deductible Health Plan. It has no faith requirement, no network restriction, and no annual or lifetime sharing cap. The cases where members look elsewhere: mental health is not shareable in the base plan (a tele-mental-health add-on is available), there is no dental or vision coverage, and pre-existing conditions follow a 12-month wait with phased sharing limits after that. The alternatives below address those specific gaps.
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Why people look for alternatives to HSA Secure
Mental health is not shared in the base plan
HSA Secure does not share mental health expenses in its base plan — a tele-mental-health add-on is available separately. Zion HealthShare, which runs the same underlying community and identical rate table, includes mental health sharing at no extra cost. CrowdHealth also includes mental health in its base program.
No dental or vision coverage
HSA Secure does not cover dental or vision at all. If either matters to you, that is a gap none of these plans close directly through HSA Secure's base product — but it is worth knowing before you assume the plan covers more than it does.
Pre-existing conditions follow a 12-month wait with phased limits
HSA Secure shares nothing toward pre-existing conditions for the first 12 months, then phases in: up to $25,000/year in months 13–24, up to $50,000/year in months 25–35, and up to $125,000/year from month 36. Medi-Share's wait is longer (36 months before any pre-existing sharing starts), while CrowdHealth does not fund pre-existing conditions at all for the first two years, then shares up to roughly $25,000/year from year three.
The best alternatives to HSA Secure
Zion HealthShare
Best OverallRuns the identical $114–$320/month individual rate table as HSA Secure (same underlying community) but includes mental health sharing in the base plan and is HSA-eligible on its own, without the bundled MEC layer. Zion is rated 4.8/5 on our scale versus HSA Secure's 4.0/5.
Editor’s pick
Zion HealthShare
from $114/mo · ★ 4.8
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Medi-Share
Best for Christian FamiliesMedi-Share is the largest, most established option (400,000+ members since 1993) with a 900,000+ provider PPO network and partial prescription and mental health sharing — trades HSA Secure's HSA compatibility and 12-month pre-existing wait for scale and a 36-month pre-existing wait.
Editor’s pick
Medi-Share
$115–$470/mo · ★ 4.5
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CHM (Christian Healthcare Ministries)
The longest track record in the industry (since 1981, 300,000+ members) at a comparable $115–$299/month, with a $125,000 per-illness cap extendable via the optional CHM Plus add-on — but no telehealth, prescriptions, or HSA compatibility.
Editor’s pick
CHM (Christian Healthcare Ministries)
from $115/mo · ★ 4.4
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CrowdHealth
Best for Young & HealthySecular crowdfunding with mental health included in the base program and no per-event sharing cap — a flat $60/month advocacy fee plus a variable contribution averaging around $140/month for members under 55 — but not HSA-compatible.
Editor’s pick
CrowdHealth
from $60/mo · ★ 4.6
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HSA Secure vs the alternatives: quick comparison
| Feature | HSA Secure(leaving) | Zion HealthShare | Medi-Share | CHM | CrowdHealth |
|---|---|---|---|---|---|
| Monthly Cost (Individual) | $114–$320 | $114–$320 | $115–$470 | $115–$299 | ~$140/mo avg (max $200/mo under 55) |
| Faith Requirement | None | None | Christian statement of faith | Strict Christian statement of faith + church attendance | None |
| HSA Compatible | Yes (bundled MEC/HDHP) | Yes (on its own) | No | No | No |
| Mental Health | Not shared in base plan (tele-mental-health add-on available) | Included | TeleBehavioral telehealth support only | Not included | Included |
| Pre-Existing Conditions | Nothing months 1–12; phased sharing through month 36 | HBP/cholesterol/diabetes from month 1; phase-in for others | Not shared for 36 months | No longer pre-existing after 12 months symptom-free (5 years for cancer) | Ineligible years 1–2; up to $25K/yr from year 3 |
| Coverage Cap | Unlimited | Unlimited per need | None — no annual or lifetime cap | $125,000 per illness (extendable via CHM Plus add-on) | None per event |
| Founded / Members | 2019 (Zion community) / 75,000+ | 2019 / 75,000+ | 1993 / 400,000+ | 1981 / 300,000+ | 2021 / 17,000+ |
All facts sourced from each plan's official published materials as of 2026. Verify current pricing directly with each plan before enrolling.
Bottom line
HSA Secure's HSA-eligible bundling is genuinely unique — if that is the specific reason you are on the plan, none of these alternatives replicate it. If instead you are looking past HSA compatibility, Zion HealthShare is the cleanest switch: identical pricing, the same underlying community, and mental health included, at a higher overall rating. Medi-Share is the established, no-cap Christian option for those who accept a longer pre-existing wait. CHM is the lowest-cost, longest-track-record ministry for committed Christians. CrowdHealth suits young, healthy members who want mental health included and no per-event cap without a faith requirement.
Frequently asked questions
What is HSA Secure's main limitation compared to alternatives?
The two most commonly cited gaps are: (1) mental health is not shared in the base plan, only through a separate tele-mental-health add-on, and (2) there is no dental or vision coverage. Zion HealthShare, which runs the same underlying community and rate table, includes mental health sharing at no extra cost.
Is Zion HealthShare cheaper than HSA Secure?
They are the same price — HSA Secure runs directly on Zion HealthShare's sharing community and mirrors its rate table exactly: $114–$320/month for an individual, $334–$899/month for a family. The difference is HSA Secure bundles a MEC insurance policy on top so the combined product qualifies as an HSA-eligible HDHP.
Which HSA Secure alternative is HSA-compatible?
Zion HealthShare is treated as HSA-eligible on its own, without HSA Secure's bundled MEC layer. Medi-Share, CHM, and CrowdHealth are not HSA-compatible.
Which alternative has the shortest pre-existing condition wait?
CHM — a condition is no longer considered pre-existing after 12 months symptom-free (5 years for cancer), the same length as HSA Secure's initial wait before its phased sharing begins. Medi-Share's wait is the longest at 36 months before any pre-existing sharing starts.
Does any alternative include mental health that HSA Secure does not?
Yes. Zion HealthShare includes mental health sharing in its base plan, and CrowdHealth includes mental health in its base program. HSA Secure only offers mental health through a separate tele-mental-health add-on. Medi-Share offers TeleBehavioral telehealth support but not in-person outpatient therapy. CHM does not include mental health coverage.
Which is more established, HSA Secure or its alternatives?
CHM (1981, 300,000+ members) and Medi-Share (1993, 400,000+ members) both have longer track records than HSA Secure, which runs on Zion HealthShare's community founded in 2019 with 75,000+ members. CrowdHealth is the newest, launched in 2021 with 17,000+ members.