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Sedera Pre-Existing Conditions
Sedera phases pre-existing conditions in over 36 months. Nothing shares in the first 12 months. Graduated annual caps apply through month 36, then full sharing. Two exceptions share from day one: controlled high blood pressure (no hospitalization for it in three years) and non-insulin diabetes. No cholesterol carve-out.
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Sedera never rejects you for health history. It just limits what it shares for a while. Here is the full schedule.
The Timeline
| Day one | Controlled HBP and non-insulin diabetes (guideline conditions) |
| Months 1 to 12 | Other pre-existing conditions not shared |
| Months 13 to 36 | Graduated annual caps |
| Month 37 onward | Fully shareable, no cap above your IUA |
The Honest Comparison Point
Sedera's day-one list covers blood pressure and non-insulin diabetes but skips cholesterol. Zion's broader exception adds high cholesterol and type 1 diabetes with a shorter one-year look-back. Managed-condition households should read both before choosing.
Editor’s pick
Sedera
$88–$413/mo · ★ 4.5
If your history fits the exceptions or the phase-in: unlimited sharing cap after month 36, five IUA tiers, any doctor, no faith requirement.
The Bottom Line
Sedera accepts everyone and phases conditions in fairly. Fast timelines on unmanaged history belong elsewhere. Compare all waits in our pre-existing comparison and read the full Sedera review.
Frequently Asked Questions
What is the Sedera pre-existing wait?
Nothing tied to a pre-existing condition is shared in the first 12 months. Months 13 through 36 carry graduated annual caps. After month 36, pre-existing conditions share fully.
Which conditions skip the wait?
Controlled high blood pressure (no hospitalization for it in the prior three years) and non-insulin diabetes share from day one. There is no cholesterol carve-out at Sedera.
How far back does Sedera look?
A 36-month look-back defines what counts as pre-existing: signs, symptoms, or treatment in the three years before your start date.
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Last updated: August 2026. Facts verified against Sedera's published Membership Guidelines. 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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