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 2019, 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?
Knew Health
30,000+ members | Founded 2017
From $142/mo
Wellness-focused, non-religious individuals, families, and self-employed people seeking an affordable secular cost-sharing community
Sedera
50,000+ members | Founded 2014
From $153/mo
Secular users seeking alternative to faith-based ministries
Side-by-Side Comparison
| Feature | 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 |
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).
The Bottom Line
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 2019), 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 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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Sedera
$153–$742/mo · ★ 4.5
A secular medical cost-sharing community popular with the self-employed.
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