Knew Health Review 2026
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Knew Health
30,000+
Best for Wellness-focused, non-religious individuals, families, and self-employed people seeking an affordable secular cost-sharing community
Monthly Cost
from $142/mo
Coverage Cap
Unlimited
Pre-Existing Wait
Phase-in
Faith Requirement
None
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Overview
About Knew Health
Knew Health is a secular medical cost-sharing community founded in 2017, headquartered in Darien, IL, with 30,000+ members. Membership starts around $142/month for individuals, with exact rates set by age, household size, and chosen IUA ($1,000, $2,500, or $5,000). It has no annual or lifetime sharing cap for new eligible needs, and members are never responsible for more than three IUAs in a membership year. No faith requirement. Covers 24/7 telehealth, mental health, maternity (for pregnancies starting 90+ days after joining, with a due date one year or more out; note: maternity beginning Jan 1 2026 requires a $5,000 IUA), preventive/wellness care, emergency, and surgery; prescriptions are shareable for the first 120 days of a new eligible need. Any doctor — no network restriction. Pre-existing conditions are not shared in year 1, limited years 2-4, and from year 4 are shared but permanently capped at $125,000 per 12-month rolling period.
At a Glance
Key Facts
- Monthly cost: starts ~$142 (individual); quote-based by age, household & IUA
- No annual or lifetime sharing cap (for new eligible needs)
- IUA options: $1,000 / $2,500 / $5,000 — capped at 3 IUAs per year
- Fully secular — no faith requirement
- Founded 2017, secular wellness-focused community with 30,000+ members
- Covers: telehealth, mental health, maternity, preventive, emergency, surgery; Rx first 120 days of a new need
- Maternity beginning Jan 1 2026 requires a $5,000 IUA
- Pre-existing conditions: not shared year 1; Year 2 up to $25,000; Year 3 up to $50,000; Year 4+ up to $125,000 per 12-month rolling period (permanent cap)
- No single need may exceed 10% of annual community contributions (community-level safeguard)
The Honest Take
Pros and Cons
What we like
- Fully secular — no faith requirement
- No annual or lifetime sharing cap (for new eligible needs)
- Members never responsible for more than 3 IUAs per membership year
- 24/7 telehealth and mental-health support included
- Strong wellness / preventive-care emphasis
- Any doctor — no network restriction
Watch out for
- Pricing is quote-based (varies by age, household size, and chosen IUA) — no public rate card
- Pre-existing conditions permanently capped at $125,000 per 12-month rolling period from year 4+
- Prescription sharing limited to the first 120 days of a new eligible need
- No dental or vision
- Not accredited
- Maternity beginning Jan 1 2026 requires a $5,000 IUA
Coverage
What's Covered
telehealth
prescriptions
maternity
mental Health
dental
vision
preventive
emergency
surgery
Still reading? Here's the short version
Knew Health
from $142/mo · ★ 4.2
Best for wellness-focused, non-religious individuals, families, and self-employed people seeking an affordable secular cost-sharing community
We may earn a commission if you enroll through this link — it never affects our rankings.
Run the numbers for Knew Health
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Questions
Frequently Asked Questions
How much does Knew Health cost per month?
Knew Health individual plans start at $142/month and go up to $379/month depending on your IUA selection. Family plans start at $400/month. These are 2026 verified rates.
Does Knew Health cover pre-existing conditions?
Knew Health does accept members with pre-existing conditions. A waiting or phase-in period applies before pre-existing conditions become fully eligible for sharing. Not shared year 1; Year 2 up to $25,000; Year 3 up to $50,000; Year 4+ up to $125,000 per 12-month rolling period (permanent cap on pre-existing conditions).
Does Knew Health have a faith requirement?
Knew Health faith requirement: None — open to everyone. You do not need to be religious to join.
Head to Head
How Knew Health Compares
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