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Medical cost sharing (not a ministry)

Sedera, in plain facts.

A non-faith-based medical cost-sharing community built around a per-incident Initial Unshareable Amount. Not insurance — members share eligible medical needs under published guidelines.

  • Listed — no business relationship
  • Facts checked 2026-03-01

Not insurance

At a glance

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 Also faced actions in Washington (2022, $50k), Vermont (2019) and Alaska (2019, withdrawn).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

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Health sharing notice

Before you decide

See it next to the alternatives.

Every sharing program, ranked for youFilter by state, budget, faith and pre-existing conditions.Sedera vs ACA MarketplaceCost, coverage and who each one fits, with sources.Health sharing vs insuranceThe seven differences that decide it.The full provider directoryEvery company, A to Z.

Profiles are editorial. We don’t publish ratings or reviews we can’t source. Prices and rules change: check the company’s current guidelines and, for insurance, a licensed advisor before you decide. Legal history is summarized from public records and linked to the source.

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