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Health SharingReport

HSA Secure

Zion HealthShare membership bundled with an HSA-qualified MEC insurance policy. Same underlying share as Zion. The MEC is insurance; the share is not.

Editorial score
Awaiting review
Methodology
Not yet scored
Reviewed
2026-09-01

Health sharing is not insurance. Programs are not legally required to pay medical expenses and do not have to provide Affordable Care Act protections. NAIC consumer guidance.

Identity and structure

We separate the consumer brand from the organization that actually administers sharing, so two white labels of one program cannot look like two independent choices.

Consumer brand
HSA Secure
Underlying sharing organization
Zion HealthShare (sharing) + MEC insurance
Program administrator
HSA Secure / Zion HealthShare
Underlying program group
zion-core
Membership standard
Secular — no statement of faith
Sharing model
Bundle / white-label
Directory status
Enrolling
State exclusions (verified)
Not WA
Operating since
Unpublished
CMS-named HCSM
No / not applicable

Sold under other names

  • HSA Secure (Zion + MEC) — Zion HealthShare membership bundled with an HSA-qualified MEC insurance policy. Same underlying share as Zion. The MEC is insurance; the share is not.

Best for

  • People who were quoted HSA Secure and need to know they are looking at Zion

Not ideal for

  • Anyone treating this as a third secular share beside Zion and Sedera

Program facts

Monthly share
Bundled price includes Zion sharing plus MEC. Confirm the current HSA Secure schedule. Not a second IUA table.
Member responsibility (IUA)
Zion’s IUA rules apply to the sharing half. The MEC is a separate insurance contract.
Household pricing
Follows the Zion household shape plus MEC.
State availability
Published exclusion: Washington. Confirm current materials.
Pre-existing conditions
Sharing half follows Zion. MEC preventive is not sharing of pre-existing conditions.
Waiting / phase-in
Sharing half follows Zion. Confirm whether day-one chronic carve-outs survive the bundle.
Maternity
Public materials describe a maternity wait on the bundle. Confirm current literature.
Preventive
MEC supplies ACA-style preventive. That is insurance, not sharing.
Prescriptions
Confirm each half separately.
Virtual care
Confirm current partners.
Provider access
Sharing half: typically any provider. MEC: follow that policy.
Limits
Two contracts. Do not collapse them.
Membership requirements
No statement of faith on the Zion half.
Cancellation
Cancelling one half may not cancel the other. Confirm.

Read the program’s own guidelines

How this score was built

This program is in the directory. It does not yet have a methodology score. Facts below are sourced from public materials; they are not a rank.

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