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Sedera vs Medi-Share
Both rate 4.5/5 and both phase pre-existing conditions in over years. Sedera (secular, since 2014, 50,000+ members) starts at $88/mo, is HSA compatible, and lets you pick an IUA from $500 to $5,000. Medi-Share (Christian, since 1993, 400,000+ members) runs $115–$470/mo with a PHCS + First Health PPO and a 36-month pre-existing wait. If the faith commitment does not fit, Sedera is the plan in this pair. If it does, Medi-Share is the larger, older community.
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These two share a rating and little else. One is a secular pool with flexible IUAs. The other is the largest Christian ministry in the category. Start with faith, then look at cost shape and the wait on old conditions.
Side by Side
| Factor | Sedera | Medi-Share |
|---|---|---|
| Founded / size | 2014 · 50,000+ | 1993 · 400,000+ |
| Individual cost | $88–$413/mo (quote-based) | $115–$470/mo |
| Faith requirement | None | Trinitarian statement + church involvement |
| HSA compatible | Yes | No |
| Member responsibility | IUA $500–$5,000 (five tiers) | AHP $3K–$12K yearly |
| Pre-existing | 12-month blackout, then caps to month 36 | 36-month wait, then capped phase-in |
| Network | Any doctor | PHCS + First Health PPO, 900,000+ |
| Our rating | 4.5/5 | 4.5/5 |
Choose Sedera If…
- You want no faith requirement at all.
- HSA pairing matters for taxes.
- You want to set an IUA between $500 and $5,000.
- A lower entry price at $88/month fits better than a PPO network.
Choose Medi-Share If…
- The Christian membership commitments already fit your life.
- You want the largest pool and a thirty-year track record.
- A 900,000+ provider PPO beats cash-pay freedom for you.
- Your household can wait 36 months on old conditions.
Editor’s pick
Sedera
$88–$413/mo · ★ 4.5
If faith is not the filter: $88–$413/mo, five IUA tiers, HSA compatible, any doctor, no faith requirement.
The Bottom Line
Faith decides this matchup before price does. Households that cannot sign Medi-Share's statement belong on Sedera. Practicing Christians who want scale and a PPO usually stay with Medi-Share. Neither is a fast answer for unmanaged history. For the full table see our complete Sedera vs Medi-Share comparison and model both in the scenario calculator.
Frequently Asked Questions
Does Sedera require a Christian faith?
No. Sedera is secular. There is no statement of faith and no church attendance rule. Medi-Share requires a Trinitarian Christian statement plus church involvement, so households that cannot sign that statement have only Sedera in this pair.
Which costs less, Sedera or Medi-Share?
Sedera starts lower at $88 per month. Medi-Share starts around $115. The bands overlap a lot after that: Sedera runs $88–$413 by age and IUA, Medi-Share runs $115–$470 by age and Annual Household Portion. Younger members who pick a high IUA usually pay less on Sedera.
Is either HSA compatible?
Sedera is. You can pair it with a Health Savings Account and use pre-tax dollars for member responsibility. Medi-Share is not HSA compatible.
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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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Largest community
Medi-Share
$115–$470/mo · ★ 4.5
The biggest health sharing ministry — 400,000+ members, Cigna PPO network access, and no per-illness sharing cap.
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