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.
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.
- Consumer brand
- HSA Secure
- Underlying sharing organization
- Zion HealthShare (sharing) + MEC insurance
- Administrator
- HSA Secure / Zion HealthShare
- Underlying program group
- zion-core
- Editorial score
- Awaiting review — not a rank of zero
- Reviewed
- 2026-09-01
- Status
- Enrolling
- State exclusions
- Not WA
Guideline facts
- Monthly share
- Bundled price includes Zion sharing plus MEC. Confirm the current HSA Secure schedule. Not a second IUA table.
- Member responsibility
- Zion’s IUA rules apply to the sharing half. The MEC is a separate insurance contract.
- Pre-existing
- Sharing half follows Zion. MEC preventive is not sharing of pre-existing conditions.
- Waiting periods
- 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.
- Limits
- Two contracts. Do not collapse them.
- Cancellation
- Cancelling one half may not cancel the other. Confirm.
- SourceZion HealthShare — underlying shareEffective 2026-09-01Reviewed 2026-09-01