Best Secular Health Sharing Plans for 2026
Four health sharing plans require no statement of faith and no church attendance — they’re open to anyone, regardless of belief. Ranked on coverage, cost, pre-existing rules, and track record: Zion HealthShare is the best overall, CrowdHealth is cheapest for the young and healthy, Sedera is the strongest fit for the self-employed and employer groups, and Knew Health suits a wellness-first approach. Here’s the breakdown.
Best overall
Zion HealthShareCheapest (young & healthy)
CrowdHealthBest for the self-employed & groups
SederaBest for wellness / preventive care
Knew Health#1 · Best overall
Zion HealthShare
$114–$320/mo · ★ 4.8/5 · any faith
Our highest-rated plan (4.8/5), the broadest everyday coverage (telehealth, prescriptions, maternity, mental health), the only HSA-compatible option of the four, and the only one that shares common managed conditions — high blood pressure, high cholesterol, and type-2 diabetes — from month one. For most people who want a secular plan, this is the pick.
#2 · Cheapest — best for the young & healthy
CrowdHealth
$60–$200/mo · ★ 4.6/5 · secular · crowdfunding
The lowest cost: a flat $60/month advocacy fee plus variable contributions (typically up to ~$140/month under 55), month-to-month, with no per-event cap. It's healthcare crowdfunding rather than traditional health sharing, and pre-existing conditions aren't eligible for the first two years — so it shines if you're generally healthy and want to cut costs immediately.
#3 · Best for the self-employed & employer groups
Sedera
$153–$742/mo · ★ 4.5/5 · secular
A traditional health-sharing community with flexible IUA tiers from $500 to $5,000 — so you can tune your monthly cost to your cash flow — plus a track record since 2014 and 50,000+ members. Note its pre-existing rules are a long phase-in (nothing shared the first 12 months, graduated annual caps through month 36, fully shareable after 36 months), so it is not the pick for an immediate managed condition. Sedera is the strongest fit for the self-employed and for employer groups who want a stable, established secular plan.
#4 · Best for wellness & preventive care
Knew Health
$142–$379/mo · ★ 4.2/5 · secular
Built around a whole-health, direct-primary-care philosophy — a prevention-first secular community with flexible IUA options and no sharing cap. The best fit for members who prioritize preventive and primary care over the broadest benefit list.
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The Four Secular Plans at a Glance
| Plan | Monthly (Individual) | Pre-Existing | HSA | Cap | Rating |
|---|---|---|---|---|---|
| Zion HealthShare | $114–$320/mo | Phase-in period applies | Yes | Unlimited per need; no annual or lifetime cap | 4.8/5 |
| CrowdHealth | $60–$200/mo | Not eligible (2 yrs) | No | None — no maximum per event | 4.6/5 |
| Sedera | $153–$742/mo | 12-36 month phase-in | Yes | Unlimited | 4.5/5 |
| Knew Health | $142–$379/mo | Phase-in | No | Unlimited | 4.2/5 |
Monthly figures show the full individual range across all age bands (18–64) and IUA/deductible tiers. The top of each range reflects the oldest 60–64 band — a typical working-age member (under 60) pays in the lower-to-middle of the range (e.g. Sedera runs roughly $153–$438 for ages 18–59, rising toward $742 at 60–64). CrowdHealth's figure reflects its under-55 / membership-average rate.
Compare Them Head-to-Head
Frequently Asked Questions
What is the best secular health sharing plan in 2026?
Zion HealthShare (4.8/5) is the best overall secular plan — broad coverage, HSA-compatible, and common managed conditions shared from month one. CrowdHealth is the cheapest for the young and healthy, Sedera is the strongest fit for the self-employed and employer groups, and Knew Health suits a wellness/preventive focus.
What makes a health sharing plan "secular"?
A secular plan requires no statement of faith and no church attendance — it is open to members of any belief or none. Zion, Sedera, CrowdHealth, and Knew Health are all secular. (CrowdHealth is technically healthcare crowdfunding rather than traditional health sharing.)
Which secular plan is cheapest?
CrowdHealth is usually cheapest for the young and healthy — a $60/month advocacy fee plus variable contributions (around $140/month average under 55). Among traditional health sharing, Sedera starts lowest at $153/month, with Knew Health close behind at $142 and Zion at $114.
Which secular plan is best for pre-existing conditions?
Zion, for the common managed conditions — it shares high blood pressure, high cholesterol, and type-2 diabetes from month one, and phases others in. Sedera uses a long 12–36 month phase-in (nothing shared the first 12 months, graduated annual caps through month 36, fully shareable after 36 months), and CrowdHealth does not fund pre-existing conditions for the first two years. Always confirm your specific condition with each plan.
Are secular health sharing plans insurance?
No. Health sharing is not insurance, and sharing of medical costs is never guaranteed. These are voluntary cost-sharing communities, not regulated insurance — confirm the guidelines with each plan before relying on it.
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Our top pick
Zion HealthShare
from $114/mo · ★ 4.8
Our highest-rated plan (4.8/5): no faith requirement, HSA-compatible, broad coverage, and managed conditions shared from day one.
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