Secular health share plans in Colorado offer a way to access affordable healthcare outside of traditional insurance.
Members love them because they provide very powerful protection against unexpected high healthcare costs—at just a fraction of the cost of an unsubsidized traditional Marketplace health insurance policy.
For the millions of people left out of the Affordable Care Act subsidy scheme, a health sharing plan can be just what the doctor ordered, saving thousands of dollars each year.
As of 2025, as many as 1.7 million Americans receive health care via a health sharing organization, according to the Kaiser Family Foundation.
What Are Non-Denominational and Secular Health Share Plans?
Many healthshare plans are affiliated with religious groups.
Some have explicit religious requirements to join, such as regularly attending worship services with a particular denomination or a letter from a clergy member with that group.
Others are still affiliated with religious groups but have much looser membership requirements.
For example, some health share ministries simply ask prospective members to affirm that they believe in God, but are otherwise non-denominational.
And some plans are completely secular, with no religious requirement or statement of faith whatsoever.
For Coloradans who prefer a health share option without religious requirements, there are several excellent, proven health sharing plans that cater to a secular or non-denominational audience.
Here are some of the very best such plans available in Colorado, along with the information you need to enroll.
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Secular Health Share Plans
1. Sedera Health
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Overview:
Sedera Health is a health-sharing organization designed for individuals, families, and businesses seeking an alternative to traditional health insurance.
While Sedera operates as a community-based health cost-sharing model, it is not insurance. Members contribute monthly to a community fund, which helps cover eligible medical expenses for themselves and others.
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Highlights:
- No religious requirements for membership.
- Comprehensive options for preventive care, primary care visits, and hospitalization.
- Flexibility to choose your healthcare providers without network restrictions.
- Significant cost savings compared to traditional health insurance plans.
- Transparent pricing and clear guidelines on eligible expenses.
- Strong focus on community support and shared responsibility in managing healthcare costs.
- Sedera offers a balanced approach to managing healthcare expenses, making it a viable choice for those prioritizing affordability, flexibility, and transparency.
Sedera is ideal for those who prioritize healthcare access without wanting religious affiliation. Members appreciate the straightforward approach that keeps the focus on health care rather than religious beliefs.
2. HSA Secure
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Overview:
HSA Secure combines the benefits of health sharing with the ability to use Health Savings Accounts (HSAs).
There’s no religious requirement, and the plan is available to individuals who want both affordability and flexibility.
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Highlights:
- Compatible with HSAs for additional tax savings.
- Allows complete freedom in selecting healthcare providers.
- Open to all, without religious restrictions.
HSA Secure works well for individuals who want a health sharing plan that also supports long-term savings for medical expenses, making it a practical choice for many Colorado residents.
3. CARE+ Plan
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Overview:
The CARE+ Plan is open to all without religious requirements.
This plan offers extensive benefits for those needing more comprehensive coverage, including options for specialist care, mental health, and alternative treatments.
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Highlights:
- Includes mental health and alternative medicine coverage.
- No religious requirement or statements of faith.
- Excellent support for primary, preventive, and emergency care.
The CARE+ Plan is a good fit for people looking for more coverage flexibility while maintaining access to affordable healthcare services.
If you don’t meet the business ownership, or have independent contracting or self-employment income required to join HSA Secure, the CARE+ Plan is an excellent alternative.
Non-Denominational Health Share Plans
Non-denominational health share plans generally welcome members from all walks of life, though some do follow broader Christian principles.
These plans may ask members to agree to a statement of values, often emphasizing community support, honesty, and a healthy lifestyle. However, they do not restrict membership based on denomination or faith practices.
1. Altrua HealthShare
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Overview:
Altrua HealthShare is open to individuals willing to follow a statement of values centered on ethical and healthy living.
Members do not need to belong to a specific denomination but must adhere to a code that promotes a healthy lifestyle.
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Highlights:
- Broad membership acceptance, as long as members agree to a statement of values.
- Includes basic and comprehensive coverage options.
- Offers wellness and preventive care options.
Altrua is a solid choice for people who value ethical living but prefer not to have strict religious requirements.
2. JHS Community
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Overview:
JHS Community follows a Christian-based statement of values, but it is non-denominational and open to any member who aligns with their principles.
The plan offers options for preventive care, primary visits, and hospitalization.
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Highlights:
- Affordable options for those needing only basic coverage.
- Focus on preventive and wellness care.
- Non-denominational; open to people of all backgrounds.
JHS Community is designed for people who value ethical healthcare practices and prefer a lighter religious component.
Quick Comparison Table: Secular and Non-Denominational Health Share Plans
| Health Share Plan | Religious Requirements | Key Benefits |
|---|---|---|
| Sedera Health | None | No network restrictions, transparent pricing, tailored plans for individuals and businesses |
| HSA Secure | None | HSA compatible, flexible, no religious ties |
| CARE+ | None | Mental health, alternative medicine coverage |
| Altrua HealthShare | Non-denominational | Values-based membership, broad coverage |
| JHS Community | Non-denominational | Basic and preventive care, values-centered |
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Why Choose a Secular or Non-Denominational Health Share Plan?
- Affordability – Health share plans typically cost less than traditional health insurance. The pooling of members’ resources allows for lower monthly costs.
- No Religious Requirements – For those who prefer a focus solely on healthcare, secular and non-denominational plans offer options without the need for religious affiliation.
- Coverage Flexibility – Many secular health share plans provide a range of coverage options, from basic preventive care to comprehensive health support, including mental health and alternative therapies.
- Community-Centered Support – Even without a religious requirement, these plans emphasize community values, encouraging members to support each other’s healthcare needs.
Choosing a health share plan that meets your values and healthcare needs can lead to savings and peace of mind. For more information, reach out to a Personal Benefits Manager who can help you find the right health share plan for your lifestyle.
For Further Reading:
Misty Berryman is a Personal Benefits Manager at ColoHealth. Her aim is to help you make smart and informed healthcare coverage decisions that will fit your needs and budget. Read more about Misty on her Bio page.
