Sedera Review 2026
In-depth review with verified pricing, coverage details, and honest pros and cons.
Sedera
50,000+
Best for: Secular users seeking alternative to faith-based ministries
Monthly Cost
$199-$379
Coverage Cap
Unlimited
Pre-Existing Wait
6 months
Faith Requirement
None
Overview
Sedera is a secular health sharing option founded in 2010, headquartered in Austin, TX, with 50,000+ members. Monthly contributions range from $199 to $379 for individuals and up to $1,137 for families, with unlimited sharing cap and no faith requirements. Covers telehealth, prescriptions, maternity, mental health, preventive, emergency, and surgery with flexible provider choice.
Key Facts
- ✓Monthly cost: $199-$379 (individual), $597-$1,137 (family)
- ✓Unlimited sharing cap
- ✓No faith requirement — fully secular
- ✓6-month pre-existing waiting period
- ✓Flexible provider choice (no network)
- ✓Covers: telehealth, prescriptions, maternity, mental health, preventive, emergency, surgery
Pros and Cons
What we like
- ✓No faith requirement — fully secular
- ✓Unlimited sharing cap
- ✓Covers telehealth and prescription drugs
- ✓Mental health coverage included
- ✓Any doctor — flexible provider choice
- ✓Competitive pricing mid-range
Watch out for
- ✕Not accredited with major health sharing organizations
- ✕Smaller membership (50,000+) vs established ministries
- ✕Shorter track record (founded 2010)
- ✕No dental or vision coverage
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What's Covered
✓
telehealth
✓
prescriptions
✓
maternity
✓
mental Health
✗
dental
✗
vision
✓
preventive
✓
emergency
✓
surgery
What would Sedera cost for a real medical event?
Model an ER visit, surgery, or pregnancy and see what you'd actually pay out of pocket.
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Frequently Asked Questions
How much does Sedera cost per month?
Sedera individual plans start at $199/month and go up to $379/month depending on your IUA selection. Family plans start at $597/month. These are 2026 verified rates.
Does Sedera cover pre-existing conditions?
Sedera does accept members with pre-existing conditions. There is a 6 months waiting period before pre-existing conditions become eligible for sharing. 50% first 6 months, 100% after.
Does Sedera have a faith requirement?
Sedera faith requirement: None — open to everyone. You do not need to be religious to join.
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