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Healthsharing Reviews is not affiliated in any way with Sedera and Healthsharing Reviews does not endorse any products or services offered by Sedera Healthshare nor is Healthsharing Reviews sponsored in any way by Sedera.


First, let us just share some background information about Sedera. It was founded not a long time ago–in 2014–by Dr. Tony Dale, a former physician from Great Britain, who became interested in the American medical system ever since he had to have surgery in the United States. Having seen the inconsistencies in the system, Dr. Dale decided to put a stop to the unmet needs in the traditional health insurance industry and founded Sedera as an alternative solution within the Medical Cost Sharing concept.

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Sedera Review

Visiting Sedera’s website, much like what happened with Zion Health and Altrua, was a pleasant surprise. The design is not only light and appealing but also pragmatic. The homepage is filled with relevant information, which is organized in an enjoyable manner. The option on the right side that enables the visitor to chat with someone from Sedera is definitely a plus since it shows how they want you to comprehend what they can do for you and also that they are willing to spend time explaining it to you, answering every question you may have. You can use this communication channel both to ask something and to share feedback with Sedera. The website does have some downsides, such as the difficulty to find specific information at times.

Overall, though, we are loving their new look since the re-brand. The new colors and sketch style graphics are welcoming and helpful.

Now let’s move on to how Sedera works.

How Sedera Healthshare Membership and Pricing Works

Much like with other HealthShares, as a Sedera member, you’re required to contribute with a monthly share amount, to which you add an “Initial Unshared Amount.” This amount, also referred to as the IUA on the website, is the specified amount that you’ll have to pay out-of-pocket prior to any amount that may be eligible for sharing with the Sedera community. Your IUA is a per need amount, meaning it doesn’t reset each year. Rather, each individual need is cared for separately, with no time limits on sharing.

There are now five different Initial Unshared Amounts to choose from in Sedera: $500, $1000, $1500, $2,500, and $5,000. The IUA you choose will dictate how much you’re going to pay every month. To better understand the relation between the IUA and the monthly share please visit the Sedera website. After your IUA is met, there are no set limits on how much can be shared per need.

Although Sedera isn’t the cheapest HealthShare in the market (take a look at our review of Zion Health for a cheap HealthShare option with great reviews) it also isn’t the most expensive. Let’s say its pricing is moderate. 

Employer and Employee Membership

Sedera offers two types of memberships: for individuals and teams.

Individual memberships are for individuals and families, and team memberships are for worksites. Of the HealthShares we have already reviewed on the website, Sedera and Zion Health are the only ones that offer plans that can be acquired by an employer for employees, so it really is a major plus both for Sedera and Zion Health!

The only way to learn more about this option, such as the pricing, seems to be by contacting Sedera, though, since there isn’t any price table regarding this membership type. The good news is that contacting Sedera’s team is very easy since they provide you with different contact channels on the website.

Submitting Needs

Sedera fails to provide an online form on the front end of the website to submit needs. It doesn’t seem to offer a particular option on the website devoted solely to the submission of needs. In order to submit one, the only way to go seems to be through the general “Contact” button, through which you’ll fill out a form and write a message about the reason why you’re contacting.

However, Sedera does have a place for members to sign-in. No doubt, there are more member-specific, helpful features behind this sign-in.

How to get signed up to Sedera Healthshare

First of all, at the moment, the Sedera Medical Cost Sharing membership is not available in Alaska and Vermont. Aside from that, membership is easily obtained.

If you’re considering joining Sedera, take a look at the Sedera Membership Guidelines first, available on the website, in the “Resources” section.

Now back to how to get signed up: you can contact Sedera by clicking on “Join Now,” or just call (800) 473-5472.

Visit Sedera Healthshare's website

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Jan MacGregor
November 19, 2021 @ 18:04

I just went through a health issue & surgery and within SIX days of submitting my final fill I have just over $5,200 transferred to our checking account, paying us everything Sedera would pay us over our IUA for this! No calls, no emailing, no denying things… just money in the bank. They also covered our flu shots within 9 days of submitting them! Member Services and Needs Coordinators are SO easy to contact and communicate with! Couldn’t be happier!

I just went through a health issue & surgery and within SIX days of submitting my final fill I have just over $5,200 transferred to our checking account, paying us everything Sedera would pay us over our IUA for this! No calls, no emailing, no de..