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With Sedera, you’re in control.

Sedera Medical Cost Sharing is a non-insurance solution that provides a better way to pay for health care. Sedera empowers people to take ownership of how they pay for healthcare needs.

How Medical Cost Sharing Works

Sedera is Not Insurance

It’s a Community of Members who help share the cost of one another’s large medical expenses through a secure platform.

You Select Your Initial Amount

You select your Membership level which determines your Initial Unshareable Amount (IUA). This is the amount you feel comfortable paying for without help from the Community.

Every Member Contributes

When you join Sedera, you begin contributing funds for use by other Members on a monthly basis.

The Community Shares with You

If something unexpected happens, Community members share funds through our secure platform to pay for expenses beyond your IUA.

You Pay Your Doctor

You pay your healthcare provider with the shared funds, for the duration of your care.

Membership Agreement

All Members must agree to Membership Principles and Commitments.

Don't take our word for it...

Some of the aspects that sold us on medical cost sharing is the ability to choose your provider, to go where you want. The additional confidence that I gained was learning that a lot of other physicians themselves have Sedera.

Chris Physio, Founder Asheville


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Portrait Testimonials

Join Now With Three Simple Steps


Explore the Membership Guidelines to see if Sedera is right for you.


Provide a few details like your date of birth, contact information, health history, and banking preferences.


Open a Medical Cost Sharing bank account and start sharing contributions with Community Members.

There is a $30 one-time fee associated with this.


Questions? We thought so. Check out our FAQs for answers.

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Current Members: 973-3372
Prospective Members: 445-8254

While Sedera operates in most states, there are a few exceptions. Click here to learn more.

Medical Cost Sharing (MCS) is an innovative non-insurance solution to manage large medical costs. Our Members commit to leading a healthy lifestyle and voluntarily contributing to one another’s large and unexpected medical expenses. In doing so, they are able to reduce one another’s burdens and be in charge of their own health care decisions.