Get your personal plan match in 2 minutes
Free, no forms.
Knew Health vs Zion HealthShare: Secular Health Sharing Compared for 2026
Knew Health and Zion HealthShare are both secular health sharing communities — no statement of faith, open to anyone — but they take different approaches. Zion (4.8/5, our highest-rated plan) is the broad all-rounder: $114–$320/month, with telehealth, prescriptions, maternity, and mental health included, HSA compatibility, and common managed conditions shared from month one. Knew Health (4.2/5) is wellness-focused — built around a whole-health, direct-primary-care philosophy — at $178–$379/month with flexible IUA options. Both carry no sharing cap. Here is how they compare.
Knew Health and Zion HealthShare are both secular health sharing communities — no statement of faith, open to anyone — but they take different approaches. Zion (4.8/5, our highest-rated plan) is the broad all-rounder: $114–$320/month, with telehealth, prescriptions, maternity, and mental health included, HSA compatibility, and common managed conditions shared from month one. Knew Health (4.2/5) is wellness-focused — built around a whole-health, direct-primary-care philosophy — at $178–$379/month with flexible IUA options. Both carry no sharing cap. Here is how they compare.
Knew Health quotes an individual share of $178–$379 a month with IUA choices of $1,000, $2,500, or $5,000 and a 0% co-share. Zion HealthShare publishes $114–$320 for an individual, with IUAs of $1,250, $2,500, or $5,000 and a 10–20% co-share. Neither is insurance, and neither guarantees a share.
| Individual | Couple | Family | IUA choices | Co-share | |
|---|---|---|---|---|---|
| Knew Health | $178–$379 | $280–$700 | $400–$950 | $1,000, $2,500, or $5,000 | 0% |
| Zion HealthShare | $114–$320 | $205–$617 (member plus spouse) | $334–$899 | $1,250, $2,500, or $5,000 | 10–20% |
As of Oct 2026. Knew Health is quote-based and unavailable in California, Illinois, Maryland, New York, Oregon, Pennsylvania, Vermont, and Washington. Members are not responsible for more than three IUAs in a membership year. Zion excludes Washington. No enrollment-fee dollar is in either plan record.
Sources
| Factor | Knew Health | Zion HealthShare |
|---|---|---|
| Monthly Cost (Individual) | $178-$379 | $114-$320 |
| Initial Unshareable Amount (IUA) | $1,000 / $2,500 / $5,000 | $1,250 / $2,500 / $5,000 |
| Coverage Cap | Unlimited | Unlimited per need; no annual or lifetime cap |
| Faith Requirement | None (secular) | None (open to all) |
| Pre-Existing Wait | Phase-in | 12 months (then phased in over 4 years) |
| Network | No network restriction | No network — see any provider |
| 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.
Zion is the higher-rated all-rounder with broad coverage and HSA compatibility; Knew Health suits members who want a wellness- and prevention-focused community built around direct primary care.
Choose Zion HealthShare if
You want the highest-rated plan (4.8/5), broad everyday coverage (telehealth, prescriptions, maternity, mental health), HSA compatibility, predictable pricing, and common managed conditions — high blood pressure, high cholesterol, type-2 diabetes — shared from month one. For most secular shoppers, Zion is the stronger all-around pick.
Choose Knew Health if
You value a wellness- and prevention-first approach built around direct primary care, and you want a secular community with flexible IUA options ($1,000 / $2,500 / $5,000) and no sharing cap. Knew Health appeals to members who prioritize whole-health and preventive care over the broadest benefit list.
Compare the care you will actually use
- Zion Direct's 2026 individual starting contribution is from $114/mo. Its IUA choices are $1,250, $2,500, or $5,000 per eligible medical need. Age, household, and IUA determine your actual contribution; this is not your quote or an insurance out-of-pocket maximum.
- For a planned procedure, ask each membership how it groups related bills into a need, what you pay before sharing, and which submission deadline applies. A lower monthly contribution can still leave you paying more for separate medical needs.
- Knew Health describes wellness services and self-pay bill negotiation; Zion publishes its sharing rules separately. Ask for the included wellness services in your specific quote rather than treating either membership as unlimited routine-care insurance.
- If your decision depends on an existing diagnosis, send both organizations the same medical history and request the applicable guideline section. Neither membership is a good substitute for insurance when you need a contractual payment guarantee.
Read the source documents before enrolling:
Ready to enroll?
These go straight to the plan’s own enrollment page — no extra hops.
Knew Health
4.2/5from $178/mo · Wellness-focused, non-religious individuals, families, and self-employed people seeking an affordable secular cost-sharing community
Zion HealthShare
4.8/5from $114/mo · Anyone without faith requirements, best overall value
Frequently Asked Questions
Are Knew Health and Zion both secular?
Yes. Neither requires a statement of faith or church attendance — both are open to anyone regardless of belief.
Is Knew Health or Zion cheaper?
Their starting prices are close — Knew Health from about $178/month, Zion from $114/month — but both vary by age, household, and IUA. Knew’s range runs a bit higher at the top ($379) than Zion’s ($320).
What makes Knew Health different?
Knew Health is built around a whole-health, direct-primary-care philosophy — a wellness- and prevention-first approach — rather than the broad benefit list of a more conventional plan. Zion is the all-rounder, with telehealth, prescriptions, maternity, and mental health.
Which has the higher rating and longer track record?
Zion, at 4.8/5 (our highest-rated plan) versus 4.2/5 for Knew Health, which launched two years earlier (2017 vs 2019), with Zion offering broader coverage.
How do pre-existing conditions work?
Both phase pre-existing conditions in over time. Zion additionally shares common managed conditions — high blood pressure, high cholesterol, and type-2 diabetes — from month one (provided none caused a hospitalization in the prior year). Confirm the exact phase-in schedule with each plan.
Not sure which plan fits you?
Chat with our advisor for 2 minutes — it'll match you to the right vetted plan for your budget, health needs, and faith preference.
Not sure which plan fits you? Our advisor matches you in about 2 minutes — free, no forms.
Find My Plan (2 min) →