Best Health Sharing Plans With No Statement of Faith (2026)

Here's the short version: if you want health sharing but you don't want to sign a statement of faith or prove you go to church, Zion HealthShare is the one to look at first. It's fully secular, starts at $161/mo for an individual, has 75,000+ members, and there's no religious test to get in. After Zion, the strongest no-faith options are Sedera (great for the self-employed), CrowdHealth (cheapest, best for the young and healthy), and Knew Health (whole-health focus). That's the whole field worth your time in 2026.

What "statement of faith" actually means

Most health sharing programs grew out of Christian communities, and a lot of them still gate membership behind a religious commitment. A statement of faith is a written declaration you sign affirming specific Christian beliefs. Some go further and ask you to attest that you attend church regularly, abstain from tobacco or drunkenness, or get a pastor to vouch for you.

The big legacy ministries all do some version of this. Medi-Share requires a Christian statement of faith. Christian Healthcare Ministries (CHM) and Samaritan Ministries require both a profession of Christian faith and, in Samaritan's case, a signed church-attendance verification. If you're not Christian, not practicing, or you just don't want your healthcare tied to a belief test, those three are off the table — and that's fine. There's a clean set of secular alternatives that work the same way without the faith requirement.

One thing all of these plans share regardless of faith requirement: the NAIC classifies health sharing as not insurance, with no legal guarantee of payment. That applies whether you're joining a Christian ministry or a secular program.

If you want the broader landscape, we keep a running list of non-religious health sharing options too.

The 4 best no-faith health sharing plans

Here's how the secular options stack up side by side.

1. Zion HealthShare — the top pick

Zion is our highest-rated no-faith plan at 4.8/5, and it's the one we point most people to first. It's been operating since 2019, has 75,000+ members, and there's genuinely no faith requirement — no statement to sign, no church to attend.

Individual cost runs $161–$320/mo, and a family runs about $334–$899/mo. For reference, KFF data shows unsubsidized ACA benchmark premiums averaging $400–$500/mo for a 35-year-old — the spread is real. You pick an Initial Unshareable Amount (IUA) of $1,250, $2,500, or $5,000 — that's what you cover before sharing kicks in, similar in spirit to a deductible. A couple of things make Zion stand out:

• No sharing cap. A lot of plans quietly limit how much they'll share per condition or per year. Zion doesn't, which matters a lot if you ever face something big.
• It's HSA-compatible, so you can pair it with a health savings account — IRS Publication 969 covers the contribution limits and eligible expenses if you want the full rules.
• Three common chronic conditions are shareable from month one — high blood pressure, high cholesterol, and type 2 diabetes. Most pre-existing conditions still go through a phase-in period, but having those three covered immediately is unusual and genuinely useful.

If you want the full breakdown, here's our Zion HealthShare review.

2. Sedera — best for the self-employed

Sedera is a secular medical cost-sharing community that's especially popular with freelancers, consultants, and small-business owners. It's been around long enough to have a solid track record, and the community is established.

The catch with Sedera is that pricing is quote-only — it varies by your situation rather than publishing a clean rate card, though it starts roughly around $153/mo. Like Zion, it's IUA-based: you choose an upfront amount you cover before sharing begins. If you're self-employed and used to shopping your own coverage every year, Sedera's model tends to click. If you want a price you can see in 30 seconds, it's a little more friction.

3. CrowdHealth — cheapest, for the young and healthy

CrowdHealth is the budget pick. At $60–$200/mo for individuals under 55 — a $60 flat advocacy fee plus up to $140/mo in crowdfunding — with no faith requirement, it's the lowest-cost option here, but it works differently from the others, so read this part carefully.

CrowdHealth isn't a traditional sharing pool. Members crowdfund each other's bills directly. When you have a medical event, you typically cover about $500 yourself, and the community funds the rest. It's a newer model, and it's lean by design.

That makes CrowdHealth great if you're young, healthy, and mostly want protection against a big surprise — a broken arm, an appendectomy, an accident. It's lighter for complex or ongoing needs, so if you have chronic conditions or expect heavy medical use, Zion or Sedera will usually serve you better.

4. Knew Health — whole-health and preventive focus

Knew Health rounds out the list. It's secular, HSA-compatible, and starts around $142/mo for an individual — though pricing is quote-based and varies by age, household size, and the IUA tier you pick. What sets it apart is the angle: it leans into whole-health and preventive care rather than just catastrophic protection. If you're the kind of person who cares about wellness, prevention, and a more holistic relationship with your health spending, Knew Health is worth a look.

How to choose

The decision usually comes down to a few honest questions:

• Want the most complete, well-rounded secular plan? Start with Zion. No sharing cap, big membership, month-one coverage on three common conditions.
• Self-employed and comfortable getting a quote? Sedera.
• Young, healthy, and price-driven? CrowdHealth.
• Prevention and whole-health minded? Knew Health.

None of these require a statement of faith or church involvement. That's the whole point — you get the cost-sharing model without the religious test.

If you'd rather not guess, run our 2-minute advisor and it'll point you to a fit based on your situation, or pull up the side-by-side comparison to see every plan's numbers in one place. And if you want a deeper head-to-head, we wrote a sibling guide on exactly this — Zion vs Sedera vs CrowdHealth.

Bottom line: secular health sharing is a real, working option in 2026, and you don't have to compromise your beliefs (or lack of them) to use it. Zion is where most people should start, and the other three each win for a specific kind of person.