Sedera, headquartered in Austin, Texas, has been serving its members since 2014. The company was founded by Dr. Tony Dale and, while based on the HealthShare ministry model, has no religious requirement for membership. Instead, it fosters a community built on ethical principles, personal responsibility, and a commitment to healthy living. With a focus on transparency and member empowerment, Sedera offers an alternative approach to managing medical expenses.
How does a Sedera membership work?
The cost of monthly contributions depends on the primary member’s age, the member’s household size, and the member’s chosen Initial Unshareable Amount (IUA), of which there are multiple options to choose from. Those prices can be found on Sedera’s website: the lower a member’s IUA, the higher their monthly contribution.
Members are encouraged to contact Sedera for assistance with the needs process. Sedera member advisors assist members with submitting a need, and will advocate on their behalf to keep healthcare costs low for them and the HealthShare community. Funds for the community are transferred from members’ medical cost sharing bank accounts to their personal bank accounts, which are then used to pay the provider for related medical expenses.
Sedera’s Expert Second Opinion (ESO) program encourages members to seek a second opinion for any diagnosis or treatment related to non-emergency or elective surgeries, providing additional medical perspectives to support informed decision-making. If the ESO program recommends a less invasive surgery or treatment and the member chooses not to adjust their treatment plan, they may be asked to provide a reason or justification.
Sedera and pre-existing conditions
Like other HealthShares, Sedera is primarily designed to share larger medical expenses, especially those that result from unexpected or unpredictable illnesses or injuries. While pre-existing conditions are not shareable in the first year of membership, Sedera may share a portion, or even the full amount, of related eligible expenses over time, depending on the length of membership. After 12 months of continuous membership, up to $15,000 in medical expenses related to pre-existing conditions may be shared. This limit increases to $30,000 after 24 months, and after 36 months, those expenses become fully shareable.
These numbers are a bit different for Team memberships. After one year of membership, a member enrolled with a Team may initially share up to $25,000 in eligible expenses, with an increase of expenses shared up to $50,000 after 24 months. After 36 months, there are no sharing restrictions.
Noteworthy
Here is some of the top information we believe potential members might want to know about this HealthShare.
Key considerations
- Sharing turnaround time between 14–60 days
- Tobacco use allowed with additional monthly contribution
- Sedera member advisors assist members through non-emergency needs
- Separate bank account required
- Sharing unavailable in some states (Pennsylvania, Vermont, California, New Mexico, and Washington)
Membership requirements
- Members must agree to the Ethical Beliefs and Principles set forth in the membership guidelines
- Be under age 65
Pros
- No yearly or lifetime maximum, though certain dollar amounts and/or visit limits may apply
- Maximum of 3 IUAs per calendar year
- 5 flexible IUA levels
- Sedera has no provider network, allowing members to see any provider
- Pre-existing conditions fully shareable after 36 months of uninterrupted membership
- Expert Second Opinion program helps members make informed medical decisions
- Annual flu shot sharable for all ages, and pediatric immunizations sharable up to age 18.
Cons
- No single need may consume more than one third of the total number of shares available in a given month
- Adoption expenses not shareable
- Maternity IUA $5,000–$7,500
Ideal candidates
- Seeking affordability, choice, transparency, and support in paying for medical costs
- Want an alternative healthcare strategy for a team
Get to know Sedera in the video below
Page Updated: 11/21/2025
