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Knew vs Sedera
Both are secular with no faith test and unlimited sharing caps. Sedera is the older, higher-rated plan (4.5 vs 4.2): $88–$413/mo, HSA compatible, IUA tiers from $500 to $5,000, 50,000+ members since 2014. Knew Health (2017, 30,000+) runs $142–$379/mo with a wellness and direct-primary-care emphasis and a three-IUA yearly cap. Pre-existing conditions phase in on both. Price floor and HSA pairing favor Sedera.
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When faith-based ministries are off the table, these two show up on the same shortlist. They agree on any doctor and no religion test. They split on price shape, HSA pairing, and how much wellness they wrap around the sharing.
Side by Side
| Factor | Knew Health | Sedera |
|---|---|---|
| Founded / size | 2017 · 30,000+ | 2014 · 50,000+ |
| Individual cost | $142–$379/mo | $88–$413/mo (quote-based) |
| IUA options | $1,000 / $2,500 / $5,000 | $500–$5,000 (five tiers) |
| HSA compatible | No | Yes |
| Pre-existing | Phase-in over 4 years to $125K/rolling yr | 12-month blackout, then caps to month 36 |
| Focus | Wellness and direct primary care | Flexible IUAs + TRU extras |
| Our rating | 4.2/5 | 4.5/5 |
Choose Knew Health If…
- A wellness-first, direct-primary-care approach is the reason you are looking.
- A three-IUA yearly cap matches how you budget surprises.
- You want telehealth, mental health, and preventive care in the membership.
- HSA pairing is not on your list.
Choose Sedera If…
- You want the lower entry price at $88/month.
- HSA compatibility is part of the plan.
- Dialing an IUA from $500 to $5,000 matters for cash flow.
- A longer track record (since 2014, 50,000+ members) matters more than DPC packaging.
Editor’s pick
Sedera
$88–$413/mo · ★ 4.5
If price floor, HSA pairing, and IUA flexibility win: unlimited sharing cap, five tiers, any doctor, no faith requirement.
The Bottom Line
Most households that just want a secular share land on Sedera. Knew Health makes more sense when the wellness wrapper is the point, not the monthly floor. Neither is a day-one answer for unmanaged history. For the full breakdown see our complete Knew Health vs Sedera comparison and run the numbers in the scenario calculator.
Frequently Asked Questions
Are both Knew Health and Sedera secular?
Yes. Neither asks for a statement of faith or church attendance. Both are open to any belief or none.
Which costs less, Knew or Sedera?
Sedera starts lower at $88 per month. Knew Health starts at $142. Sedera also swings higher with age, up to about $413 in the 60–64 band, while Knew tops out around $379. For a young healthy individual, Sedera is usually the cheaper entry.
Is either HSA compatible?
Sedera is. Knew Health is not. If you want a tax-advantaged HSA next to sharing, Sedera is the one in this pair.
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Related Resources
Last updated: August 2026. Figures verified against each plan's published 2026 materials. See our footer disclosure regarding affiliate commissions.
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Secular option
Sedera
$88–$413/mo · ★ 4.5
A secular medical cost-sharing community popular with the self-employed.
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