Sedera
Secular sharing with IUA options; common in broker and ICHRA conversations.
- Editorial score
- 75
- Methodology
- 2026.1
- Reviewed
- 2026-08-27
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
- Sedera
- Underlying sharing organization
- Sedera Medical Cost Sharing
- Program administrator
- Sedera
- Underlying program group
- sedera-core
- Membership standard
- Secular — no statement of faith
- Operating since
- 2014
Best for
- Secular households
- Employer/ICHRA comparisons
- People who want structured IUA choices
Not ideal for
- Anyone needing a payment guarantee
- Households that need immediate sharing of known conditions
Program facts
- Monthly share
- Varies by age, household, and IUA. Confirm current Sedera rates.
- Member responsibility (IUA)
- Selectable IUA / member responsibility tiers.
- Household pricing
- Member-only, couple, and family-style household tiers.
- State availability
- Generally broad; confirm state notices.
- Pre-existing conditions
- Waiting or phase-in rules typically apply.
- Waiting / phase-in
- Yes, for specified needs.
- Maternity
- Usually a waiting period. Confirm current guideline.
- Preventive
- Not an ACA mandate.
- Prescriptions
- Partner-dependent.
- Virtual care
- Often available through partners.
- Provider access
- Typically any provider.
- Limits
- Guideline caps and unshareable lists apply.
- Membership requirements
- No statement of faith. Program guidelines still apply.
- Cancellation
- Membership timing is not limited to federal Open Enrollment.
How this score was built
| Dimension | Weight | Score |
|---|---|---|
| Sharing scope and material limitations Secular sharing with IUA options and published limitations, including waiting periods for some needs. | 20 | 75 |
| Cost and member responsibility Age and household pricing with selectable IUA. Not a premium and not a quote. | 20 | 74 |
| Transparency and guideline clarity Guidelines and member materials are relatively structured for a secular HSO. | 20 | 78 |
| Member support and advocacy Strong broker/employer channel; individual support is documented on the public site. | 15 | 74 |
| Provider access and included services Generally any provider; confirm virtual care and Rx partners in current materials. | 10 | 76 |
| Administration and operating history Publicly operating since 2014 as a secular sharing organization. | 10 | 76 |
| Evidence freshness and completeness Scored from the public site. Re-verify IUA tables before citing a number. | 5 | 68 |
Known limitations
- Employer-channel familiarity is not the same as a higher editorial score.
- SourceSedera public siteEffective 2026-08-27Reviewed 2026-08-27