Sedera vs CrowdHealth: Secular Health Sharing vs Crowdfunding for 2026
Sedera and CrowdHealth are both secular — no statement of faith — but they are built on different models. Sedera is traditional health sharing: a defined community that shares your eligible medical bills after you pay your IUA. CrowdHealth 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 funds each bill as it comes up. CrowdHealth (4.6/5) is the cheaper, newer, more flexible option; Sedera (4.5/5) is the more established model with flexible IUA tiers. Both phase pre-existing conditions in over a long runway — neither is the pick if you need an immediate managed condition shared — so weigh cost, flexibility, and track record instead.
Sedera
50,000+ members | Founded 2014
From $153/mo
Secular users seeking alternative to faith-based ministries
CrowdHealth
17,000+ members | Founded 2021
From $60/mo
Young families; healthy individuals; self-employed; anyone wanting low costs with no coverage caps
Side-by-Side Comparison
| Feature | Sedera | CrowdHealth |
|---|---|---|
| Monthly Cost (Individual) | $153-$742 | $60-$200 |
| Initial Unshareable Amount (IUA) | $500 / $1,000 / $1,500 / $2,500 / $5,000 | $500 |
| Coverage Cap | Unlimited | None — no maximum per event |
| Faith Requirement | None (secular) | None (secular) |
| Pre-Existing Wait | 12-36 month phase-in | 2 years ineligible |
| Network | No network restriction | Any doctor — no network |
| Prescriptions | Included | Included |
| Mental Health | Included | Included |
| Maternity | Included | Included |
| Processing Time | 30-45 days | Immediate (community funded) |
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 for the young and healthy; Sedera is the more established health-sharing model with flexible IUA tiers, best for those who want a stable secular community.
Choose Sedera if
You want the longer track record (since 2014, 50,000+ members) and the traditional health-sharing model with flexible IUA tiers from $500 to $5,000. On pre-existing conditions the two plans phase in differently: Sedera shares nothing for the first 12 months, then graduated annual caps through month 36, with conditions fully shareable after 36 months — a longer runway, but with no flat two-year cutoff like CrowdHealth’s. Confirm your specific condition with each.
Choose CrowdHealth if
You are young, healthy, and want the lowest cost and most flexibility — a flat $60/month advocacy fee plus variable contributions (around $140/month for under-55s), month-to-month, with no per-event cap. 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.
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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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