Sedera Review 2026
In-depth review with verified pricing, coverage details, and honest pros and cons.
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Sedera
50,000+
Best for Secular users seeking alternative to faith-based ministries
Monthly Cost
$153–$742/mo
Coverage Cap
Unlimited
Pre-Existing Wait
12-36 month phase-in
Faith Requirement
None
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Overview
About Sedera
Sedera is a secular health sharing option founded in 2014, headquartered in Austin, TX, with 50,000+ members. Monthly contributions run about $153 to $742 for individuals and $378 to $2,088 for families across ages and IUA tiers (most working-age members pay $153-$438 individual; the 60-64 band runs higher); final cost is quote-based. Unlimited sharing cap, no faith requirement. Covers telehealth, prescriptions, maternity, mental health, preventive, emergency, and surgery with flexible provider choice.
At a Glance
Key Facts
- Monthly cost: $153-$742 (individual), $378-$2,088 (family); most working-age members pay $153-$438 individual; final cost quote-based
- Unlimited sharing cap
- No faith requirement — fully secular
- 12–36 month pre-existing phase-in (nothing shared the first 12 months)
- Flexible provider choice (no network)
- Covers: telehealth, prescriptions, maternity, mental health, preventive, emergency, surgery
The Honest Take
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 2014)
- No dental or vision coverage
Coverage
What's Covered
telehealth
prescriptions
maternity
mental Health
dental
vision
preventive
emergency
surgery
Still reading? Here's the short version
Sedera
$153–$742/mo · ★ 4.5
Best for secular users seeking alternative to faith-based ministries
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Run the numbers for Sedera
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Want to see where Sedera sits on price vs every other plan? See the 2026 cost index.
Run the Numbers →Keep Comparing
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Questions
Frequently Asked Questions
How much does Sedera cost per month?
Sedera individual plans start at $153/month and go up to $742/month depending on your IUA selection. Family plans start at $378/month. These are 2026 verified rates.
Does Sedera cover pre-existing conditions?
Sedera 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 in the first 12 months; graduated annual caps in months 13-36; fully shareable after 36 months. A 36-month look-back defines a pre-existing condition.
Does Sedera have a faith requirement?
Sedera faith requirement: None — open to everyone. You do not need to be religious to join.
Head to Head
How Sedera Compares
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