Non-Religious Health Sharing Options: Plans With No Faith Requirement in 2026

The Faith Requirement Landscape in 2026

Health sharing ministries were originally created as faith-based alternatives to insurance, operating under an ACA exemption (Section 1402(d)) that applies to religious organizations. To qualify for this exemption, ministries must facilitate the sharing of medical expenses among members “of a similar faith.” Some interpret this broadly (any belief system), while others require strict adherence to specific Christian doctrines.

Here is how every major plan categorizes its faith requirement:

Green-highlighted rows indicate plans with no faith requirement.

Non-Religious Plans Compared: Pricing, Coverage, and Trade-Offs

The three non-religious options differ significantly in how they work, what they cover, and how much they cost. Here is a direct comparison:

Zion HealthShare: Best Overall Non-Religious Option

Zion HealthShare is the top-rated non-religious health sharing plan and our overall pick for most people who want to avoid faith requirements. Founded in 2017 and based in Denver, CO, Zion accepts members of any faith or no faith. There is no statement of faith, no church attendance requirement, and no lifestyle covenant beyond basic wellness commitments.

What sets Zion apart from other secular options:

• No pre-existing condition waiting period. This is Zion's biggest advantage. Every other plan (secular or faith-based) imposes 6–12 months of limited sharing for pre-existing conditions.
• HSA compatible. Zion is the only non-religious plan that works with a Health Savings Account, enabling tax-deductible contributions up to $4,300 (individual) or $8,550 (family) in 2026.
• Cigna PPO network. Access to 950,000+ providers with negotiated rates, reducing your out-of-pocket costs on in-network care.
• Comprehensive sharing. Includes prescriptions, mental health, telehealth, maternity, preventive care, emergency, and surgery.

Zion costs $185–$268/month for individuals with IUA options of $500, $1,000, or $2,000 and a 10–20% co-share. For families, rates start at $555/month. Read our full Zion HealthShare review.

Sedera: Fully Secular With Flexible Coverage

Sedera is explicitly secular — it was founded in Austin, TX in 2010 as a non-religious alternative to faith-based ministries. There is no statement of faith, no church requirement, and no religious language in its materials.

Sedera's coverage is similar to Zion's: prescriptions, mental health, telehealth, maternity, and preventive care are all shared. The main differences:

• Higher pricing. Individual plans start at $199–$379/month, compared to Zion's $185–$268/month. Family plans run $597–$1,137/month.
• 6-month pre-existing waiting period. Unlike Zion's immediate sharing, Sedera shares only 50% of pre-existing condition costs for the first 6 months.
• Not accredited. Sedera is not accredited with major health sharing organizations, though it has operated reliably for 16 years.
• Any doctor. Sedera has no network restrictions, so you can see any provider. This means more flexibility but also potentially higher costs since there are no pre-negotiated rates.

Sedera is a good option for secular members who want comprehensive coverage and flexible provider choice. However, for most people, Zion HealthShare offers better value with lower pricing, HSA compatibility, and no pre-existing waiting period. Read our full Sedera review.

CrowdHealth: Crowdfunding With No Faith Strings

CrowdHealth is not technically health sharing — it is a healthcare crowdfunding platform where members contribute to fund each other's medical bills. Founded in 2021 in Austin, TX, CrowdHealth is completely secular with no faith requirement of any kind.

CrowdHealth appeals to a specific type of member:

• Lowest monthly cost. At roughly $140/month average for individuals under 55, CrowdHealth is the cheapest non-religious option. The cost includes a $60/month fixed advocacy fee plus variable crowdfunding contributions.
• No coverage caps. There is no per-event or annual cap on what the community can fund. 99% of approved bills have been funded.
• Month-to-month flexibility. Cancel anytime with no long-term commitment. This appeals to freelancers and people between jobs.
• Bill negotiation. CrowdHealth's advocacy team routinely negotiates 30–60% discounts on medical bills before they go to the community for funding.

The trade-offs are significant: CrowdHealth does not offer family plans, pre-existing conditions are limited for the first 2 years ($25K year 2, $50K year 3), no tobacco users are accepted, and coverage is crowdfunded — meaning it relies on community funding rather than guaranteed sharing. The member base is also relatively small at 17,000+ compared to Zion and Sedera at 50,000+ each.

CrowdHealth is best for healthy, tech-savvy individuals under 55 who want the absolute lowest monthly cost and are comfortable with a newer, crowdfunding-based model. Read our full CrowdHealth review or see how it compares in our CrowdHealth vs Health Sharing deep dive.

Plans With “Light” Faith Requirements: Worth Considering?

Some health sharing plans fall in a middle ground — they have a faith component but do not require strict adherence or church attendance. These “light faith” plans may work for people who are broadly spiritual or who are comfortable affirming general values without being practicing members of a specific denomination.

• Medi-Share: Requires a Christian statement of faith but does not require church attendance. The faith requirement is a checkbox during enrollment. Individual plans: $227–$405/month.
• Liberty HealthShare: Requires agreement with Christian principles but is flexible on denomination. No church attendance required. Individual plans start at $87/month (Liberty Assist).
• Presidio Healthcare: Christian-oriented branding but actual regulated insurance. No faith requirement for enrollment. Individual plans: $300–$600/month with guaranteed coverage.

Plans with strict faith requirements — CHM and Samaritan Ministries — both require church attendance and a detailed Christian statement of faith. These are genuinely faith-centered communities, not casual checkboxes. If you are not a practicing Christian, these plans are not appropriate. Learn more in our plans without church requirements guide.

Which Non-Religious Plan Is Best for You?

If you need guaranteed coverage with regulatory protections and no faith requirement, consider Presidio Healthcare — actual regulated insurance starting at $300/month that covers pre-existing conditions from day one.

Not sure which option fits? Take our free 2-minute quiz to get a personalized recommendation, or compare all plans side-by-side.