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Health SharingReport

Knew Health

Secular wellness-oriented share. Published state exclusions. Not insurance.

Editorial score
71
Methodology
2026.2
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
Knew Health
Underlying sharing organization
Knew Health
Program administrator
Knew Health
Underlying program group
knew-health-core
Membership standard
Secular — no statement of faith
Sharing model
Secular medical cost-sharing
Directory status
Enrolling
State exclusions (verified)
Not CA, IL, MD, NY, OR, PA, VT, WA
Operating since
Unpublished
CMS-named HCSM
No / not applicable

Best for

  • Secular households comparing Zion, Sedera, and Knew Health

Not ideal for

  • Residents of published exclusion states
  • Anyone needing guaranteed payment

Program facts

Monthly share
Age- and household-banded shares. Marketing floors are not a quote. Confirm the current Knew schedule.
Member responsibility (IUA)
Selectable IUA of $1,000, $2,500, or $5,000. Published maximum of three IUAs per membership year.
Household pricing
Household-based. A DPC discount of 10% off monthly contributions is advertised if documented.
State availability
Knew’s own availability page lists new-member exclusions: CA, IL, MD, NY, OR, PA, VT, WA.
Pre-existing conditions
Phase-in / waiting rules are in the September 1, 2025 member guidelines. This review did not parse the full PDF body.
Waiting / phase-in
Maternity uses a 12-month estimated-delivery-date clock. Other waits are in the guidelines PDF.
Maternity
Eligible when the estimated delivery date falls after the first 12 months of membership. Prenatal, delivery, postnatal, and complications are described as shareable after the IUA.
Preventive
General wellness items (physicals, well-woman, immunizations, colonoscopy, mammography) are advertised as shareable without meeting the IUA. Not an ACA mandate.
Prescriptions
Confirm the current guidelines PDF.
Virtual care
Advertised licensed-physician visits. Confirm current partners.
Provider access
Typically any provider. No network.
Limits
Confirm annual and pre-existing caps in the September 1, 2025 PDF.
Membership requirements
No statement of faith. Wellness / eligibility rules still apply.
Cancellation
Membership rules, not insurance law.

Read the program’s own guidelines

How this score was built

DimensionWeightScore
Sharing scope and material limitations

Secular IUA sharing plus general-wellness items that are not subject to the IUA. Maternity requires an estimated delivery date after the first 12 months.

2072
Cost and member responsibility

Selectable IUA of $1,000 / $2,500 / $5,000 with a published maximum of three IUAs per membership year. Marketing floors are not a quote.

2074
Transparency and guideline clarity

A September 1, 2025 guidelines page is public. This review did not independently parse the full PDF body.

2070
Member support and advocacy

Care-team and portal submission are documented. We do not treat testimonials as evidence.

1570
Provider access and included services

Typically any provider. Wellness visits, virtual care, and a DPC discount are advertised.

1076
Administration and operating history

Secular cost-sharing community. Thinner public operating history than the 1990s ministries.

1066
Evidence freshness and completeness

Guidelines effective September 1, 2025. State exclusions verified on Knew’s own availability page. Full PDF body not attached to this score.

564

Known limitations

  • Published enrollment exclusions: CA, IL, MD, NY, OR, PA, VT, WA.
  • Score is limited by the fact that the full September 2025 PDF was not parsed in this cycle.
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