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What Is the Best Health Share Without Church?
CrowdHealth ranks #1 for shoppers who want healthcare crowdfunding with no church attendance or faith statement: a $60 advocacy fee plus variable crowdfunding, about $140 average under 55. Zion HealthShare ($114–$320) and Sedera (quote from about $88) rank next as secular sharing. Crowdfunding is not insurance.
Shoppers who only need attendance rules already have which plans skip church attendance. You can also compare best secular health share for a broader look at secular options.
#1 CrowdHealth — no church or faith requirement
CrowdHealth is healthcare crowdfunding, not a ministry. Members pay a $60 advocacy fee plus variable crowdfunding, about $140 average under 55. There is no church attendance rule and no faith statement. Pre-existing needs wait two years. See the CrowdHealth review.
#2 Zion HealthShare — secular sharing pool
Zion HealthShare lists $114–$320 per month individual, any provider, and day-one carve-outs for managed high blood pressure, cholesterol, and diabetes. No church attendance. Confirm the January 2026 guidelines. Sharing is never guaranteed.
#3 Sedera — quote-only secular membership
Sedera is a health sharing membership, not insurance. Published quotes start around $88. Controlled high blood pressure and non-insulin diabetes can share from day one under a three-year hospitalization look-back. Prices vary by election.
#4 Knew Health — secular IUA model
Knew Health requires no faith statement. It is not insurance and is not HSA-compatible. Use it when you want a secular IUA plan and will confirm current guidelines before you enroll.
#5 HSA Secure — secular HSA wrapper
HSA Secure may fit shoppers who want to keep an HSA. The sharing layer is not insurance. MEC is preventive-medical only.
#6 Additional faith-based options
Medi-Share requires a Christian statement. Christian Healthcare Ministries and Samaritan Ministries verify church attendance. Read the CHM review and Samaritan Ministries review if those faith requirements fit you.
What is the best health share without church?
CrowdHealth ranks #1 for shoppers who want healthcare crowdfunding with no church attendance or faith statement: a $60 advocacy fee plus variable crowdfunding, about $140 average under 55. Zion HealthShare ($114–$320) and Sedera (quote from about $88) rank next as secular sharing. Crowdfunding is not insurance.
How should I choose among options without a church requirement?
Start with the type of program you want. CrowdHealth uses healthcare crowdfunding, Zion HealthShare and Sedera use health sharing, and HSA Secure may fit shoppers who want to keep an HSA. Also compare faith statements, attendance rules, prices, and pre-existing condition rules. Funding is never guaranteed.
Where do Zion HealthShare and Sedera rank?
Zion HealthShare ranks #2: $114–$320 per month individual, any provider, day-one carve-outs for managed high blood pressure, cholesterol, and type 1 and type 2 diabetes after a 12-month hospitalization look-back. Sedera ranks #3 as a quote-only secular membership from about $88. Sharing is never guaranteed.
Can I use Medi-Share if I will not attend church?
Medi-Share requires a Trinitarian Christian statement and expects church involvement even when it does not verify attendance the same way Christian Healthcare Ministries does. CrowdHealth, Zion HealthShare, Sedera, Knew Health, and HSA Secure require no faith statement. Funding is never guaranteed.
Is CrowdHealth insurance if there is no church rule?
No. CrowdHealth is healthcare crowdfunding, not insurance and not a ministry. Pre-existing needs are ineligible for two years, then about $25,000 per year. Tobacco users are not accepted. Mandate states CA, DC, MA, NJ, RI, and VT still require insurance. Funding is never guaranteed.
Shopping without church? Avery can compare the options based on your faith preferences, budget, and medical needs.
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Zion HealthShare
from $114/mo · ★ 4.8
Our highest-rated plan (4.8/5): no faith requirement, HSA-compatible, broad coverage, and managed conditions shared from day one.
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