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CrowdHealth vs HSA Secure: Full Comparison for 2026
CrowdHealth and HSA Secure are both fully secular, but they are built on different models and solve for different priorities. CrowdHealth, founded in 2021 with 17,000+ members, is healthcare crowdfunding — a flat $60/month advocacy fee plus a variable contribution averaging around $140/month for members under 55, with no per-event sharing cap and mental health included. HSA Secure is traditional health sharing running on Zion HealthShare's community, $114–$320/month, and is purpose-built for HSA compatibility through a bundled MEC insurance policy. Here is how they actually compare.
| Factor | CrowdHealth | HSA Secure |
|---|---|---|
| Monthly Cost (Individual) | $60-$200 | $114-$320 |
| Initial Unshareable Amount (IUA) | $500 | $1,250 / $2,500 / $5,000 |
| Coverage Cap | None — no maximum per event | Unlimited |
| Faith Requirement | None (secular) | None (secular) |
| Pre-Existing Wait | 2 years ineligible | 12 months |
| Network | Any doctor — no network | No network restriction |
| Prescriptions | Included | Included |
| Mental Health | Included | Not included |
| Maternity | Included | Included |
| Processing Time | Immediate (community funded) | 14-35 days |
Verified July 2026 from official plan materials and each plan's official website.
CrowdHealth is the cheaper, more flexible option for the young and healthy who want no per-event cap; HSA Secure is the pick for anyone who specifically needs HSA-eligible coverage.
Choose CrowdHealth if
You are young, healthy, and want the lowest average cost — a flat $60/month advocacy fee plus a variable contribution (around $140/month for members under 55) — with no per-event sharing cap and mental health included. Just know CrowdHealth is crowdfunding rather than health sharing, and it is not HSA-compatible.
Choose HSA Secure if
You specifically need HSA eligibility handled for you: HSA Secure bundles a MEC insurance policy with Zion HealthShare's sharing community so the combined plan qualifies as an HSA-eligible High Deductible Health Plan. It also reaches full pre-existing-condition sharing sooner than CrowdHealth's two-year wait.
Frequently Asked Questions
Is CrowdHealth or HSA Secure cheaper?
CrowdHealth is usually cheaper for younger, healthier members — a flat $60/month advocacy fee plus a variable contribution averaging around $140/month for members under 55 (capped at $200/month total). HSA Secure runs $114–$320/month regardless of health status within its age bands.
Do either of these require a statement of faith?
No. Both CrowdHealth and HSA Secure are fully secular, with no statement of faith or church attendance required.
Which is HSA-compatible?
HSA Secure. It bundles a MEC insurance policy with its sharing specifically so the plan qualifies as an HSA-eligible High Deductible Health Plan. CrowdHealth, as crowdfunding rather than health sharing, is not HSA-compatible.
Which has the shorter pre-existing condition wait?
HSA Secure. It begins a phased sharing schedule after 12 months. CrowdHealth does not fund pre-existing conditions at all for the first two years, then shares up to roughly $25,000/year from year three.
Which covers mental health?
CrowdHealth includes mental health in its base program. HSA Secure does not share mental health costs in its base plan, though a tele-mental-health add-on is available.
Which has more members or a longer track record?
CrowdHealth has 17,000+ members and launched in 2021. HSA Secure runs on Zion HealthShare's community — 75,000+ members, founded in 2019. CrowdHealth is rated 4.6/5; HSA Secure is rated 4.0/5.
Lowest cost
CrowdHealth
from $60/mo · ★ 4.6
One of the lowest-cost options with no faith requirement — a flat membership and a $500 cap per medical event.
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