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Knew Health vs Sedera: Secular Health Sharing Compared for 2026
Knew Health and Sedera are both secular health sharing communities — no faith requirement, open to anyone — but they approach the model differently. Knew Health (4.2/5, founded 2017, Darien IL) is built around a wellness- and prevention-first philosophy with a direct-primary-care emphasis; individual cost runs $142–$379/month with IUA options of $1,000, $2,500, or $5,000, an unlimited cap, and a cap of three IUAs per year. Sedera (4.5/5, founded 2014, Austin TX, 50,000+ members) is the longer-established secular option with a wider IUA range from $500 to $5,000, individual costs of $153–$742/month (most working-age members pay $153–$438; the 60–64 band runs higher), an unlimited cap, and HSA compatibility. Both phase pre-existing conditions in over time. The core decision is: do you want Knew's wellness-first philosophy with a slightly younger community, or Sedera's longer track record and flexible IUA tiers popular with the self-employed? Prices may vary depending on membership elections. Please see Membership Guidelines for full sharing rules. The Sedera Membership may not be available in all states.
| Factor | Knew Health | Sedera |
|---|---|---|
| Monthly Cost (Individual) | $142-$379 | $153-$742 |
| Initial Unshareable Amount (IUA) | $1,000 / $2,500 / $5,000 | $500 / $1,000 / $1,500 / $2,500 / $5,000 |
| Coverage Cap | Unlimited | Unlimited |
| Faith Requirement | None (secular) | None (secular) |
| Pre-Existing Wait | Phase-in | 12-36 month phase-in |
| Network | No network restriction | No network restriction |
| Prescriptions | Included | Included |
| Mental Health | Included | Included |
| Maternity | Included | Included |
| Processing Time | 30-45 days | 30-45 days |
Verified July 2026 from official plan materials and each plan's official website.
Sedera wins on track record, community size, and IUA flexibility; Knew Health wins for members who prioritize a wellness-first, direct-primary-care philosophy.
Choose Knew Health if
You want a secular sharing community built around whole-health and direct primary care — a wellness- and prevention-first approach that goes beyond a standard benefit list. Knew Health caps members at three IUAs per year and covers telehealth, mental health, maternity, and preventive care. It is a newer, smaller community (founded 2017), but well-suited to members who want proactive health support, not just bill-sharing.
Choose Sedera if
You want the longer track record (since 2014, 50,000+ members), wider IUA flexibility from $500 to $5,000, and HSA compatibility — a real differentiator if you want to pair a health sharing plan with a tax-advantaged account. Sedera is popular with self-employed members who want to dial their monthly cost to cash flow. Just note: Sedera's Existing Medical Condition phase-in is long — nothing shared the first 12 months, graduated annual caps through month 36, fully shareable after 36 months.
Frequently Asked Questions
Are both Knew Health and Sedera secular?
Yes. Neither requires a statement of faith or church attendance — both are open to people of any belief or none.
Which is cheaper, Knew Health or Sedera?
Knew Health starts slightly lower (~$142/month individual) versus Sedera ($153/month individual at the floor), and Knew's range tops at $379/month. Sedera's range swings higher — up to $742/month for the 60–64 age band on a higher IUA tier. For a young healthy individual, the two plans are similarly priced; Sedera's cost rises more sharply with age.
Is Sedera HSA compatible?
Yes. Sedera is HSA compatible. Knew Health is not. If pairing your plan with a Health Savings Account matters, Sedera is the clear choice.
How do pre-existing conditions compare?
Both phase pre-existing conditions in over a long runway — neither is the pick for an immediate managed condition. Sedera shares nothing for the first 12 months, then graduated annual caps through month 36, with conditions fully shareable after 36 months (36-month look-back applies). Knew Health also phases pre-existing conditions in over time — see the current member guidelines for the exact schedule. If you have a managed condition, consider Zion HealthShare (day-one for blood pressure, cholesterol, and diabetes) instead.
Which has the longer track record?
Sedera, by several years. Sedera launched in 2014 with 50,000+ members; Knew Health launched in 2017. Sedera is also rated slightly higher at 4.5/5 versus 4.2/5 for Knew Health.
Secular option
Sedera
$153–$742/mo · ★ 4.5
A secular medical cost-sharing community popular with the self-employed.
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