Skip to content
OLYRONHealthMatch

Compare

Sedera vs CrowdHealth

Sedera and CrowdHealth solve the same problem in different ways. Sedera is a medical cost-sharing membership (not insurance) that pairs well with Direct Primary Care. Members choose an Initial Unshareable Amount (IUA) they pay per medical event before the community shares the rest, similar in feel to a deductible but applied per incident. Sedera is not faith-based, which broadens its appeal, and it emphasizes transparency and member support. As with all sharing, pre-existing conditions and certain services are limited by the guidelines. By contrast, CrowdHealth is a technology-forward take on cost sharing: members pay a flat monthly membership, and when a large bill hits, the community crowdfunds it after the member covers a set first-dollar amount. It is not insurance and works best for healthy people comfortable negotiating cash-pay prices with the CrowdHealth team’s help. The app-based experience and transparent model appeal to younger, self-employed members. Below we compare them on cost, coverage, eligibility, and who each one fits best — with sources you can check.

See the tableGet matched

Before you compare

Side by side

How they differ, factor by factor.

Sedera compared with CrowdHealth
FactorSederaCrowdHealth
Typical monthly costApprox. $130-$450/mo depending on age, household, and IUA choice (a share, not a premium)Approx. $50-$185/mo per adult plus a per-event member amount (a membership, not a premium)
Relative cost$··$··
CategoryHealth sharing organizationHealth sharing organization
Is it insurance?No — a membershipNo — a membership
ACA-compliant major medicalNoNo
Covers pre-existing conditionsLimitedLimited
EligibilityOpen membership with a healthy-lifestyle agreement; no statement of faith required.Open membership; healthy-lifestyle expectations apply.
Best forHealthy self-employed members; People pairing sharing with DPCHealthy, younger, self-employed members; People comfortable with cash-pay care

Sedera

Sedera is a medical cost-sharing membership (not insurance) that pairs well with Direct Primary Care. Members choose an Initial Unshareable Amount (IUA) they pay per medical event before the community shares the rest, similar in feel to a deductible but applied per incident. Sedera is not faith-based, which broadens its appeal, and it emphasizes transparency and member support. As with all sharing, pre-existing conditions and certain services are limited by the guidelines.

Pros

  • Non-faith-based
  • Per-incident IUA flexibility
  • Pairs with DPC
  • Nationwide, no network

Cons

  • Not insurance
  • Pre-existing limits
  • No essential-benefit guarantee

CrowdHealth

CrowdHealth is a technology-forward take on cost sharing: members pay a flat monthly membership, and when a large bill hits, the community crowdfunds it after the member covers a set first-dollar amount. It is not insurance and works best for healthy people comfortable negotiating cash-pay prices with the CrowdHealth team’s help. The app-based experience and transparent model appeal to younger, self-employed members.

Pros

  • Very low monthly cost
  • Modern app experience
  • Cash-pay negotiation support
  • Nationwide

Cons

  • Not insurance
  • Newer/less established
  • Best only for the healthy

Dated company facts

The companies, checked and sourced.

Prices, the amount you pay first, pre-existing rules and any legal history, each with the date we checked it.

Sedera

Listed — no business relationship
Medical cost sharing (not a ministry)Not insurance

Secular cost sharing with several state actions in its history.

Price
From $166/mo single (ages 18–29, $5k IUA). (as of 2026-03-01; source)
You pay first
IUA $500 to $5,000, up to 3 per year.
Pre-existing conditions
36-month look-back: year 1 $0, year 2 $15k, year 3 $30k, then full.
Faith requirement
Secular ethical beliefs.
Where
Not open to new members in WA, VT, PA, NM, CA.

Legal history: 2025-03-14: California’s Attorney General announced a $1.3M settlement over health plans falsely advertised as non-insurance; Sedera is barred from California. Also faced actions in Washington (2022, $50k), Vermont (2019) and Alaska (2019, withdrawn). Source: California Attorney General. We show this because it may affect whether your bills are shared.

Not insurance. Payment of medical bills is not guaranteed. What that means

Visit Sedera site(opens in a new tab)

We have no business relationship with this company. This link goes straight to its site with no tracking. How we make money

CrowdHealth

Listed — no business relationship
Crowdfunding (not insurance)Not insurance

A crowdfunding platform for medical bills. Payment is not guaranteed.

Price
About $165/mo single under 55 (October 2026 typical: $60 fee plus a monthly "ask"). (as of 2026-10-15; source)
You pay first
$500 per event ($3,000 for pregnancy). Funding is not guaranteed.
Pre-existing conditions
Not fundable in years 1–2; up to $25k per year from year 3.
Faith requirement
No faith requirement.

Legal history: The Maryland Insurance Administration issued a consumer advisory warning about the risks of CrowdHealth. Advisory only; no cease-and-desist or lawsuit found. Source: Maryland Insurance Administration. We show this because it may affect whether your bills are shared.

Not insurance. Payment of medical bills is not guaranteed. What that means

Visit CrowdHealth site(opens in a new tab)

We have no business relationship with this company. This link goes straight to its site with no tracking. How we make money

Every sharing program, ranked for your answersFilter by state, budget, faith and pre-existing conditions.

Questions

Short answers, with sources.

Is Sedera or CrowdHealth cheaper?

Sedera and CrowdHealth sit in a similar monthly cost range (approx. $130-$450/mo depending on age, household, and iua choice (a share, not a premium) vs approx. $50-$185/mo per adult plus a per-event member amount (a membership, not a premium)). The better value depends on your health and whether you qualify for a subsidy.

What is the main difference between Sedera and CrowdHealth?

A non-faith-based medical cost-sharing community built around a per-incident "Initial Unshareable Amount." A modern, app-based crowdfunding approach to medical bills with a low monthly membership.

Is Sedera real insurance?

No. Sedera is not insurance — it does not guarantee payment and typically limits pre-existing conditions. If you need the legal protections and guaranteed benefits of insurance, an ACA-compliant plan is the safer choice.

Sources

OLYRON HealthMatch is free to use. We may be paid when we connect you with a licensed advisor, and some companies we list may pay us a referral fee if you enroll. Payments never change the order of our comparisons or ratings. Our methodology

A father carries his baby on his shoulders at the beach, walking with his family.

Your numbers

See how both price out for you.

A licensed advisor can walk through Sedera and CrowdHealth for your household and state. Free, no obligation.

Get matchedMore comparisons
  • Free to use
  • No account needed
  • Every card says if we earn a fee

Medicare open nowACA opens Nov 1

Get matched