Medical Cost Sharing

A Simple and Affordable Alternative to Health Insurance

The Basics

Freedom From Network Limitations – See Any Doctor or Hospital You Choose

Sharing Begins as Low as $500 per Need

Big Savings Over Health Insurance – Typically 30-50% Less Expensive

Needs Are Shared With The Community 

1 Million Members / 1$ Billion in Sharing Industry Wide

Promotes Healthy Lifestyles

How It Works: Video

Membership includes

Medical Cost Sharing

Membership in an affordable medical cost sharing model that is high quality, simple and supportive.  An alternative to health insurance with lower monthly costs, and a community based approach to funding member's large medical needs. 

Personal Member Advisor

Advisors on-call to work with members everyday questions and needs. From finding the best doctor for the kids or getting a better price on medications, their job is to ensure each member has a positive experience and gets the results possible from the Sedera sharing community.



Membership includes unlimited access to board-certified and licensed physicians available by phone or video chat. These doctors can assess the situation and prescribe medications when appropriate.


Expert Second Opinion

Members with a serious diagnosis or treatment have free access to SecondMD for an expert second opinions. They can discuss their diagnosis directly with some of the best doctors in the world via phone or video consultation.  Getting a second opinion helps members to have peace of mind and the best medical guidance with no travel, paperwork or cost.




You’re definitely friendlier on the phone [than insurance]. I want to call you just to talk to you. And you gave me all the information I needed in 5 minutes. To get through to someone in health insurance takes forever. You addressed all my issues and I have 2 hours back in my day. I would put that in your marketing material.


Jakub Sarnecki


This whole process has been a lot to learn but I love how I am always connected to a person and never an automated voice thing. She always knows who I am. I don’t have to re-explain everything and that is amazing.




This experience with you and Sedera, concerning my Need requests, has been the polar opposite [in a very good way] of the “normal” insurance process and is such a welcomed relief.


Lisa Hudson


My first experience utilizing the Sedera community came when I had an emergency c-section with my second son and then he spent ten days in the NICU. Throughout the sharing of our Need I saw how the community works through a compassionate team at Sedera. I was completely shocked at how easy it was and how much I liked being part of the process. This was so significant, I asked Sedera if I could come work for them.


Juliet Dill

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