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How Much Does HSA Secure Cost?
HSA Secure costs $114–$320/month for an individual and $334–$899/month for a family (2026), across IUA tiers $1,250, $2,500, $5,000. That buys Zion-powered sharing with no annual or lifetime limits plus the bundled MEC insurance policy that makes HSA contributions possible. The sharing layer itself is voluntary — not insurance.
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Editor’s pick
HSA Secure
from $114/mo · ★ 4
4/5 · $114–$320/mo individual · purpose-built for HSA compatibility via bundled MEC + Zion sharing.
HSA Secure (4/5) is the HSA play among secular options: founded 2019, headquartered in Deerfield Beach, FL, running on Zion HealthShare's sharing community (75,000+ members). Its rate table mirrors Zion's — same bands as our HSA Secure review.
Updated August 2026. Figures are from our HSA Secure plan file (last verified 2026-08-19). We did not invent rate-card cells.
Key Facts: HSA Secure Pricing
| Cost component | Published figure |
|---|---|
| Individual monthly share | $114–$320 |
| Couple monthly share | $340–$640 |
| Family monthly share | $334–$899 |
| IUA options | $1,250, $2,500, $5,000 (max 3/household/year) |
| Sharing cap | Unlimited |
| Pre-existing wait | 12 months, then phased limits — except HBP, high cholesterol, and diabetes types 1 and 2 (day one under official Jan 1, 2026 guidelines, if no prior-12-month hospitalization and managed with medication or diet) |
| Not available in | WA |
| Editorial rating | 4/5 |
What Changes the Monthly Share?
Age band and IUA tier, exactly as in Zion Direct's table — you're pricing the same sharing community under an HSA-oriented wrapper. If you don't need the bundled MEC structure, plain Zion rates higher (4.8 vs 4.0) at identical prices.
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Find My Plan (2 min) →Costs the Monthly Share Does Not Include
Mental health expenses (add-on available), dental, and vision. Other pre-existing conditions follow the 12-month-wait phase-in; official HSA Secure / Zion guidelines (Jan 1, 2026) share high blood pressure, high cholesterol, and diabetes types 1 and 2 from day one when the no-hospitalization / managed-with-medication-or-diet caveat is met. Maternity needs its own responsibility amount after the six-month rule. The sharing component is not insurance — no legal guarantee of payment; only the MEC layer carries regulatory obligations, and it covers preventive care only.
The Bottom Line
Budget $114–$320/month as an individual or $334–$899/month as a family, plus your IUA per need. See our full HSA Secure review and Zion vs HSA Secure first.
Frequently Asked Questions
How much does HSA Secure cost per month?
Individual contributions run $114–$320/month and family contributions $334–$899/month (2026 ranges from our verified plan file), varying by age band (18–29 through 50–64) and chosen IUA. The rate table mirrors Zion HealthShare's.
What is HSA Secure’s IUA?
Options are $1,250, $2,500, $5,000, with a maximum of three IUAs per household per rolling 12 months. The $1,000 tier was retired January 1, 2026.
What am I paying for beyond the sharing community?
HSA Secure pairs Zion-powered medical cost sharing with a bundled MEC (minimum essential coverage) preventive-care insurance policy — the component that makes the HDHP structure work for health savings account contributions. It also includes free telehealth via Primestin Care ($0 consultations).
Does HSA Secure have a sharing cap?
Unlimited — no annual or lifetime sharing limits on eligible needs. Other pre-existing conditions wait 12 months before phased sharing begins ($25K/yr months 13–24, $50K/yr months 25–35, $125K/yr from month 36). Official HSA Secure / Zion Member Guidelines (Jan 1, 2026): high blood pressure, high cholesterol, and diabetes types 1 and 2 are shareable from day one if the member was not hospitalized for them in the prior 12 months and can manage them with medication or diet.
What is not shareable?
Mental health expenses are not shareable through the sharing component (a tele-mental-health add-on exists). Dental and vision are not covered. Maternity requires conception at least 6 months into membership and uses its own responsibility amount.
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Lowest cost
CrowdHealth
from $60/mo · ★ 4.6
One of the lowest-cost options with no faith requirement — a flat membership and a $500 cap per medical event.
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