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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.
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.
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CrowdHealth
4.6/5from $60/mo · Young families; healthy individuals; self-employed; anyone wanting low costs with no coverage caps
HSA Secure
4.0/5from $114/mo · Self-employed individuals and small business owners who want HSA tax advantages paired with affordable health sharing
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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