CrowdHealth vs Sedera: Secular Health Sharing Compared for 2026
CrowdHealth and Sedera are both secular — no statement of faith — but they are built on different models. CrowdHealth (4.6/5) is healthcare crowdfunding: a flat $60/month advocacy fee plus variable member contributions (typically up to about $140/month for under-55s) where the community voluntarily funds each bill as it arises, with no per-event cap. Sedera (4.5/5) is traditional health sharing: a defined community that shares your eligible medical bills after you meet your IUA ($153+/month), with flexible IUA tiers from $500 to $5,000 and a track record dating to 2014. CrowdHealth is cheaper and more flexible for the young and healthy; Sedera is the more established model with a longer history and more predictable sharing structure.
CrowdHealth
17,000+ members | Founded 2021
From $60/mo
Young families; healthy individuals; self-employed; anyone wanting low costs with no coverage caps
Sedera
50,000+ members | Founded 2014
From $153/mo
Secular users seeking alternative to faith-based ministries
Side-by-Side Comparison
| Feature | CrowdHealth | Sedera |
|---|---|---|
| Monthly Cost (Individual) | $60-$200 | $153-$742 |
| Initial Unshareable Amount (IUA) | $500 | $500 / $1,000 / $1,500 / $2,500 / $5,000 |
| Coverage Cap | None — no maximum per event | Unlimited |
| Faith Requirement | None (secular) | None (secular) |
| Pre-Existing Wait | 2 years ineligible | 12-36 month phase-in |
| Network | Any doctor — no network | No network restriction |
| Prescriptions | Included | Included |
| Mental Health | Included | Included |
| Maternity | Included | Included |
| Processing Time | Immediate (community funded) | 30-45 days |
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.
The Bottom Line
CrowdHealth is cheaper and more flexible; Sedera is the more established sharing model with flexible IUA tiers for the self-employed.
Choose CrowdHealth if
You are young, healthy, and want the lowest monthly cost and maximum flexibility — a flat $60/mo advocacy fee plus variable contributions, month-to-month with no long-term commitment. Just know CrowdHealth is crowdfunding rather than health sharing, it is newer (since 2021), and pre-existing conditions are not eligible for the first two years.
Choose Sedera if
You want a longer track record (since 2014, 50,000+ members) and the traditional health-sharing model with flexible IUA options ($500 to $5,000) to tune your monthly cost to cash flow. Sedera is popular with self-employed members — just note it is not HSA-compatible, and its pre-existing phase-in is long (nothing shared the first 12 months, graduated annual caps through month 36, fully shareable after 36 months).
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Frequently Asked Questions
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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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