HSA Secure Review 2026
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HSA Secure
75,000+
Best for Self-employed individuals and small business owners who want HSA tax advantages paired with affordable health sharing
Monthly Cost
from $114/mo
Coverage Cap
Unlimited
Pre-Existing Wait
12 months
Faith Requirement
None
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Overview
About HSA Secure
HSA Secure is the only health sharing plan designed specifically for HSA compatibility. It is powered by Zion HealthShare — a secular community founded in 2019 with 75,000+ members — and pairs Zion's health sharing with a MEC (minimum essential coverage) preventive insurance policy. This unique structure lets members contribute pre-tax dollars to an HSA while keeping monthly contributions affordable (from $114/month for individuals). The plan covers preventive care, telehealth, prescriptions, maternity (after 6-month wait), emergency, and surgery. There are no network restrictions, no annual or lifetime sharing caps, and no faith requirement. IUA tiers are $1,250, $2,500, or $5,000 (the $1,000 tier was retired January 1, 2026). The main trade-offs: mental health is not directly shareable, and pre-existing conditions follow a phased sharing schedule (nothing shared months 1-12, up to $25,000/yr months 13-24, up to $50,000/yr months 25-35, up to $125,000/yr from month 36).
At a Glance
Key Facts
- Monthly cost: $114-$320 (individual), $334-$899 (family)
- Only HSA-compatible health sharing plan available
- Powered by Zion HealthShare (secular, founded 2019, 75,000+ members) with MEC insurance component
- IUA options: $1,250, $2,500, or $5,000 (max 3 per household per year; $1,000 tier retired Jan 1 2026)
- No annual or lifetime sharing limits
- No faith requirement -- fully secular
- Free telehealth via Primestin Care ($0 consultations)
- Covers: preventive, telehealth, prescriptions, maternity (6-mo wait), emergency, surgery
- Does not cover: mental health (add-on available), dental, vision
- Pre-existing phased sharing: nothing months 1-12; up to $25,000/yr months 13-24; up to $50,000/yr months 25-35; up to $125,000/yr from month 36
The Honest Take
Pros and Cons
What we like
- HSA-compatible -- unique among health sharing plans, enabling tax-free savings
- Includes ACA-compliant preventive care through MEC insurance component
- No faith requirement -- fully secular and open to all
- No network restrictions -- use any licensed provider in the US or Puerto Rico
- No annual or lifetime sharing limits
Watch out for
- Mental health expenses are not shareable (tele-mental health add-on available)
- No dental or vision coverage
- Maternity has 6-month waiting period and separate IUA
- Pre-existing conditions have a 12-month waiting period with phased sharing limits
- Runs on Zion HealthShare's sharing community, so its guidelines follow Zion's — a public version history exists but no fixed advance-notice period is specified before changes take effect
Coverage
What's Covered
telehealth
prescriptions
maternity
mental Health
dental
vision
preventive
emergency
surgery
Still reading? Here's the short version
HSA Secure
from $114/mo · ★ 4
Best for self-employed individuals and small business owners who want HSA tax advantages paired with affordable health sharing
We may earn a commission if you enroll through this link — it never affects our rankings.
Run the numbers for HSA Secure
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Want to see where HSA Secure sits on price vs every other plan? See the 2026 cost index.
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Why HSA Secure Is Different From Every Other Health Sharing Plan
Every health sharing plan on this site can lower your monthly cost compared to insurance. HSA Secure can also lower your tax bill — and no other health sharing plan does that.
Here is how it works: HSA Secure pairs Zion HealthShare (a secular health sharing community founded in 2019 with 75,000+ members) with a MEC (minimum essential coverage) insurance policy. The MEC component covers ACA-required preventive care — annual physicals, screenings, recommended vaccines — which is what qualifies the overall plan structure for HSA eligibility. Because that insurance component meets the IRS definition of a high-deductible-adjacent setup, you can open and contribute to a Health Savings Account (HSA) while enrolled. That means pre-tax dollars going in, tax-free growth, and tax-free withdrawals for qualifying medical expenses — a real advantage for self-employed adults who otherwise have no employer-sponsored tax shelter for healthcare costs.
The health sharing side works the way any Zion plan does: you pick an IUA ($1,250, $2,500, or $5,000), pay your own bills up to that amount per incident, and Zion's community shares eligible costs above it. There is no annual or lifetime sharing cap.
What HSA Secure Covers — and What It Does Not
The plan covers preventive care (through the MEC component), telehealth via Primestin Care at $0 per consultation, prescriptions, maternity (with a 6-month waiting period and a separate IUA), emergency care, and surgery. There are no network restrictions — you can use any licensed provider in the United States or Puerto Rico.
Mental health expenses are not shareable under the standard plan, though a tele-mental health add-on is available. Dental and vision are also excluded. If those are priorities, you would need to add standalone dental and vision coverage separately.
Pre-Existing Conditions: The Phased Sharing Schedule
HSA Secure accepts members with pre-existing conditions, but they follow a phased sharing schedule. Nothing is shared for pre-existing-related expenses in months 1–12. From months 13–24, sharing is capped at $25,000 per year. From months 25–35, the cap rises to $50,000 per year. Starting at month 36, sharing is available up to $125,000 per year for pre-existing conditions. Conditions unrelated to your pre-existing history are shareable from enrollment under normal IUA rules.
If you have a managed chronic condition and are primarily looking for catastrophic protection rather than ongoing care cost-sharing, the phase-in schedule may be manageable. If you rely on regular sharing for treatment costs in your first year, HSA Secure is the wrong fit — and Zion HealthShare (which shares high blood pressure, high cholesterol, and type-2 diabetes from month one for most members) may be a closer match.
Questions
Frequently Asked Questions
How much does HSA Secure cost per month?
HSA Secure individual plans start at $114/month and go up to $320/month depending on your IUA selection. Family plans start at $334/month. These are 2026 verified rates.
Does HSA Secure cover pre-existing conditions?
HSA Secure does accept members with pre-existing conditions. A waiting or phase-in period applies before pre-existing conditions become fully eligible for sharing. Not shared months 1-12; up to $25,000/yr months 13-24; up to $50,000/yr months 25-35; up to $125,000/yr from month 36.
Does HSA Secure have a faith requirement?
HSA Secure faith requirement: None — open to everyone. You do not need to be religious to join.
Is HSA Secure really HSA-compatible?
Yes. HSA Secure pairs Zion HealthShare with a MEC (minimum essential coverage) insurance component for ACA-required preventive care. That structure qualifies members to open and contribute to a Health Savings Account (HSA). No other health sharing plan on this site offers this combination. The HSA lets you set aside pre-tax dollars for qualifying medical expenses — a meaningful tax advantage for the self-employed.
How much does HSA Secure cost per month?
Individual monthly costs range from $114 to $320 depending on your age and IUA tier. Couple plans run $340–$640/month; family plans run $334–$899/month. The three IUA tiers are $1,250, $2,500, and $5,000 — choosing a higher IUA lowers your monthly cost. Rates mirror Zion HealthShare's published rate table and were verified June 2026.
What are the IUA options for HSA Secure?
HSA Secure offers three IUA tiers: $1,250, $2,500, and $5,000. (The $1,000 IUA tier was retired January 1, 2026.) You pay the IUA out of pocket per qualifying incident before community sharing applies. A maximum of three IUAs per household apply per year.
Does HSA Secure cover mental health?
Standard HSA Secure membership does not include sharing for mental health expenses. A tele-mental health add-on is available if mental health coverage is a priority. Dental and vision are also not covered under the base plan.
Does HSA Secure have a faith requirement?
No. HSA Secure is fully secular — no statement of faith, no church attendance, no religious requirement. It is open to members of all faiths and backgrounds.
Who is HSA Secure best for?
HSA Secure is best for self-employed individuals and small business owners who want to pair health sharing with HSA tax advantages. If you are not interested in the HSA angle, Zion HealthShare offers the same underlying coverage at the same price without the MEC component — meaning the choice comes down entirely to whether the HSA tax benefit is worth it to you.
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