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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. The chosen IUA applies per eligible need, up to three IUAs per membership year under the Guidelines. Sedera is not insurance — sharing is voluntary.
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Editor’s pick
Sedera
Current quote required · ★ 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 ministry file (last verified 2026-09-30); 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 |
| Member responsibility | Chosen IUA per eligible need, up to three per membership year under the Guidelines; any additional share unverified |
| 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 | CA, NM, 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. The chosen IUA applies per eligible need, up to three IUAs per membership year under the Membership Guidelines. 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 up to three IUAs per membership year under the Guidelines. 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 chosen IUA before an eligible need can be considered for sharing, up to three IUAs per membership year under the Guidelines.
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
Current quote required · ★ 4.5
A secular medical cost-sharing community popular with the self-employed.
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