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How Much Does Sedera Cost?
Sedera (Prime+) runs about $88–$413/month for an individual and $325–$1,175/month for a family across ages 18–64 and all five IUA tiers ($500–$5,000); tobacco/vape households add $75/month. Final cost is quote-based. There is an unlimited sharing cap with a 20% member co-share after your IUA. Sedera is not insurance — sharing is voluntary.
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Editor’s pick
Sedera
$88–$413/mo · ★ 4.5
4.5/5 · ~$88–$413/mo individual (quote-based) · 5 IUA tiers · unlimited sharing cap · no faith requirement.
Sedera is the most established secular health share we track (4.5/5): founded 2014, operated under Covenant HealthShare in Austin, TX, with 50,000+ members. The published bands above come from the live Prime+ rate engine and match our Sedera review.
Updated August 2026. Figures are from our Sedera plan file (last verified 2026-07-16); Prime+ pricing is quote-based, so we cite verified min/max bands, not invented mid-band cells.
Key Facts: Sedera Pricing
| Cost component | Published figure |
|---|---|
| Individual monthly share (Prime+) | $88–$413 |
| Couple monthly share | $187–$795 |
| Family monthly share | $325–$1,175 |
| IUA options | $500, $1,000, $1,500, $2,500, $5,000 |
| Co-share after IUA | 20% |
| Tobacco/vape surcharge | $75/mo |
| Sharing cap | Unlimited |
| Pre-existing wait | 12-36 month phase-in (exceptions: controlled HBP and non-insulin diabetes shareable day one) |
| Not available in | AK, HI, IL, ME, MD, NH, PA, VT, WA |
| Editorial rating | 4.5/5 |
What Changes the Monthly Share?
Age band and IUA tier are the levers — the floor is age 18 on the $5,000 IUA, the ceiling is age 64 on the $500 IUA. Unlike most plans, a 20% co-share sits on top of every need after the IUA, which matters for large bills. Rates are age-banded and identical across states we checked.
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Find My Plan (2 min) →Costs the Monthly Share Does Not Include
Pre-existing conditions get nothing shared for the first 12 months, then graduated annual caps through month 36. Maternity needs its own responsibility amount ($5,000/$7,500) and a year of membership. Dental and vision are discount-only via TRU Essentials. Sedera is not insurance — no legal guarantee of payment.
The Bottom Line
Budget roughly $88–$413/month as an individual or $325–$1,175/month as a family, plus your IUA and 20% co-share per need. Get a personalized quote for your exact age/tier cell — see our full Sedera review first.
Frequently Asked Questions
How much does Sedera cost per month?
On the Prime+ program, individual monthly contributions run about $88–$413 and family contributions $325–$1,175 across ages 18–64 and all IUA tiers. Tobacco/vape households add $75/month. Final cost is quote-based by age band and IUA — these ranges come from our verified plan file and the live rate engine, matching our review.
What are Sedera’s IUA options?
Five tiers — $500, $1,000, $1,500, $2,500, $5,000 — the widest range we track. You pay your IUA per eligible need before sharing begins, then a 20% member co-share applies.
Does Sedera have a sharing cap?
Unlimited — no annual, lifetime, or per-need ceiling on eligible needs.
What does Sedera’s price include?
Prime+ bundles Sedera medical cost sharing with TRU Essentials — a discount membership (not insurance, not cost sharing) that includes virtual primary, urgent, and mental health care, 1,000+ prescriptions at $0, 80 common labs at $0, and discounts on imaging, dental, vision, hearing, and chiropractic.
Is there anything maternity-specific in the pricing?
Yes. Delivery must fall at least 12 months after your membership start date, and maternity uses its own responsibility amounts: $5,000 for vaginal or emergency C-section delivery, $7,500 for elective C-section — separate from your chosen IUA tier.
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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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