Pennsylvania Health Sharing Plans 2026: Who Can Enroll After Sedera and Knew Drop PA

Pennsylvania is not a hostile state for health sharing. It is a shorter menu. Sedera’s own State Availability page and Knew Health’s own Membership Availability page both say they are not accepting new members in Pennsylvania. If a national roundup lists those two as if they were options for a Philadelphia or Pittsburgh household, that list is wrong for PA.

This page is only the year-stamped PA URL. It does not recut the national 2026 ranking or the Pennsylvania state directory.

Pennsylvania’s legal status

Mandate: None. There is no Pennsylvania shared-responsibility payment. The federal penalty is $0. NCSL’s mandate list does not include Pennsylvania.

Insurance law: Health sharing is not insurance. The NAIC says members have no legal right to compel payment. A denied need is not a Pennsylvania Insurance Department claim.

Pending bill, not a current restriction: House Bill 2289 (session of 2026) would add a health-care-sharing-ministry safe harbor to the Insurance Company Law of 1921. It was introduced March 13, 2026 and referred to the Health committee. It is not enacted. Do not invent a PA ban from a bill that would create a safe harbor, and do not promise protections that are still in Harrisburg. Text: PA HB 2289 (PN 2998).

The practical restriction in 2026 is plan-side, not statute-side: two secular memberships refuse new PA addresses.

Who can actually enroll a Pennsylvania household

Official plan pages, not our ministry JSON alone:

• Sedera — State Availability: not accepting new members in Washington, Vermont, Pennsylvania, New Mexico, and California.
• Knew Health — Membership Availability: not accepting new members in WA, VT, IL, NY, Pennsylvania, MD, CA, and OR. Knew also lists Pennsylvania among states where it does not pay referral fees.

CrowdHealth’s FAQ lists mandate states (CA, DC, MA, NJ, RI, VT) as places where membership does not satisfy MEC. Pennsylvania is not on that mandate list.

Individual vs family cost for plans that still enroll

Zion: $114–$320 individual, $205–$617 couple, $334–$899 family, by age and IUA. That is the live Direct Membership table.

CrowdHealth: $60 advocacy + crowdfunding. Individual under 55 $60–$200; family of four $240–$660. Two-year pre-existing ineligibility.

Medi-Share: $115–$470 individual, $390–$850 family. 36-month pre-existing wait. Faith required.

HSA Secure: Zion-powered rate card (same $114–$320 / $334–$899 bands). Payable, but it is not a different product family from Zion — we do not rank it above Zion.

A PA family that was shopping Sedera or Knew for a secular membership should price Zion or CrowdHealth, not wait for those two to reopen the state.

These are affiliate links — we may earn a commission if you enroll through them, at no extra cost to you. It never changes our verdicts or our rankings. How we make money →

Winner: Zion HealthShare

Fit first, then pay and faith guards. For a typical PA household that wants a payable secular (or any-faith) membership, Zion is the plan that still enrolls here, does not require a statement of faith, and shares high blood pressure, high cholesterol, and diabetes from month one when the 12-month no-hospitalization test is met. Medi-Share is the paid Christian option, not the default. CrowdHealth is the low-monthly option if you are healthy and can live with two years of pre-existing ineligibility. CHM and Samaritan may be discussed as unpaid faith alternatives — never as enroll CTAs.

Pennsylvania-specific notes

Hospital bills. Penn Medicine, UPMC, Jefferson, and Geisinger cash rates are the relevant number for no-network memberships. Zion uses reference-based pricing after you present as self-pay. Medi-Share’s PPO is the one payable plan with a contracted network card.

HB 2289. If it becomes law later, it would clarify that a qualifying ministry is not an insurer. It would not turn sharing into a guaranteed payment and would not put Sedera or Knew back on the menu. Those are company decisions.

When a Pennsylvania ACA plan still wins

Use HealthCare.gov / Pennie if you qualify for subsidies, if you need guaranteed issue for a current condition, or if you want PID complaint rights. Sharing contributions are not premium tax credits.

Compare plans · National 2026 ranking · State regulation guide