Sedera Health Sharing Plans
About Sedera Health Sharing Plans (TruHealth)
Sedera, or Sedera Health, is an organization in Colorado committed to helping individuals find more affordable, flexible ways to manage healthcare costs.
Now operating under the TruHealth Group, Sedera offers versatile health sharing plans – providing people with a transparent, member-focused alternative to classic health insurance.
Unlike some alternatives, Sedera offers a range of virtual, and in-person care solutions, designed to accommodate a range of lifestyles.
Members benefit from flexible 24/7 telemedicine services, virtual primary care dedicated physicians, discounts across various solutions, and the ability to top up their healthcare with dental, vision, and chiropractic services.
Sedera Health Plan Options
Through TruHealth, Sedera now offers three versatile plans:
TRU-Virtual
For anyone who prefers online appointments, TRU-Virtual is the perfect fit.
- Round-the-clock telemedicine access
- Virtual primary care consultations
- Mental health support through video or phone visits
- Prescription benefits including 800+ no-cost medications
- Discounts on labs, imaging, and more
- Dental, vision, and chiropractic discounts
- A marketplace with deals on everyday purchases
TRU-Virtual First
TRU-Virtual First expands on the digital-first experience and includes additional in-person options:
- Unlimited access to telehealth
- Virtual specialty care services
- In-person urgent care visits at a low, flat rate ($25 per visit)
- Quest Labs with minimal or no fees for key tests
- Ongoing mental health and primary care services
- Comprehensive prescription savings
- Dental, vision, and chiropractic discounts
- Broad discount marketplace
TRU-DPC (Direct Primary Care)
TRU-DPC revolves combines in-person care with digital services:
- Unlimited in-office appointments for a small copay ($10 per visit)
- Virtual care solutions, including 24/7 telemedicine
- Yearly checkups and basic lab services
- Chronic condition monitoring and specialist referrals
- Prescription access for over 800 medications
Regular discounts on various medical and lifestyle services
About Sedera Health Sharing Plans (TruHealth)
Regular discounts on various medical and lifestyle services
| Feature | TRU-Virtual | TRU-Virtual First | TRU-DPC |
|---|---|---|---|
| 24/7 Virtual Telehealth | YES | YES | YES |
| Virtual Primary Care | YES | YES | YES |
| Virtual Mental Health Services | YES | YES | NO |
| Prescription Access (800+ meds) | YES | YES | YES |
| Discounted Lab Services | YES | YES | YES |
| Discount Marketplace | YES | YES | YES |
| Dental, Vision and Chiropractic services | YES | YES | YES |
| Virtual Specialty Care | NO | YES | YES |
| In-Person Urgent Care ($25 per visit) | NO | YES | YES |
| Unlimited Quest Labs | NO | YES | NO |
| In-Person Direct Care ($10 per visit) | NO | NO | YES |
27/7 Telehealth and a Virtual Primary Care Physician
Every Sedera plan includes 24/7 telehealth services – allowing users to connect with care providers with a single click through the Healthwallet app.
Members also get easy access to a virtual primary care dedicated physician, ideal for annual physicals, prescription management, and check-ups.
Members also get virtual mental health care and virtual specialty care on two out of three plans.
Flexible In-Person Support
TRU-Virtual First expands on the digital-first experience and includes additional in-person options:
Two of Sedera Health’s packages include access to in-person urgent care visits – supporting unlimited appointments for $25 per visit.
The most advanced plan (TRU-DPC) also includes In-person direct care with board-certified physicians for $10 per visit.
Affordable Prescriptions and Versatile Discounts
TRU-DPC revolves combines in-person care with digital services:
Members of Sedera Health can receive over 800 commonly prescribed drugs at no extra cost through TRU-Rx.
Sedera also gives all members access to a full discount marketplace, offering savings of up to $4,900 per year with deals across travel, car insurance, entertainment, and more.
Extensive Coverage: Dental, Vision, and More
Every Sedera membership supports dental, vision, and chiropractic services, with deep discounts on fitness centers, LASIK, and other services.
All members can also access discounted lab services with no additional costs (with more than 2,200+ testing centers to choose from nationwide).
Plus, unlimited free Quest Labs are available on the TRU-Virtual First plan.
Customizable Plans and Care
With Sedera Health, members are free to choose their average IUA amount – based on their available budget.
Sedera also allows members to use their health sharing benefits with any provider they choose – giving them the freedom to select their own doctors, clinics, and hospitals, without having to worry if a doctor is “in network”.
Enrolling in a Sedera Plan
Join thousands of people using Sedera health sharing plans to reduce the costs of healthcare today, with just a few simple steps:
1. Go to the enrollment page.
2. Select the plan you want and click Quote & Enroll.
3. Follow the prompts to enter all required information and once everything looks good, click Submit.
If you need guidance, a ColoHealth Personal Benefits Manager can walk you through each step, from quote to completion.
Sedera Health Pros and Cons
Sedera offers meaningful perks but also has certain limitations.
Pros
- Lower Monthly Contributions: Sedera’s contributions often cost less than standard insurance premiums.
- Plan Variety: Ranging from virtual-focused to in-person and hybrid, there’s an option for every preference.
- No Restricted Networks: Members can see any provider they want, cutting out the need for referrals.
- Prescription Savings: Over 800 medications can be obtained at no cost.
- Preventive Services: Physicals, labs, and wellness programs are often bundled in.
Cons
- Not Traditional Insurance: Although Sedera supports its members well, it does not offer an insurance contract.
- Limitations on Pre-Existing Issues: For the initial year, support may be reduced for conditions that started before membership.
- Voluntary Sharing: Shared costs rely on community support rather than an insurance policy guarantee.
- Pre-Authorization: Major procedures may need prior approval for coverage to be confirmed.
- Less Suitable for Chronic High Costs: Those with frequent, expensive health needs might find regular insurance more predictable.
Frequently Asked Questions About Sedera
Q: Who should consider Sedera Health?
Sedera Health Sharing plans are a good option for individuals or families who don’t qualify for a premium subsidy via the Affordable Care Act.
Sedera is also a good choice for individuals or families who want to maintain control over their Initial Unshareable amount and their choice of doctors or clinics.
Q: Do Sedera plans include prescription drugs?
Sedera plans include low-cost access to over 800 common medications.
Through TRU-Rx, plan members can often access the most used generic medication for free. However, limitations may be imposed on some prescriptions.
Q: Can I choose any doctor or specialist?
Yes. Sedera has no network restrictions, so you can visit any licensed practitioner. This aspect ensures maximum freedom for members to select providers who fit their preferences.
Q: What is an Initial Unshareable Amount (IUA)?
The IUA is the out-of-pocket sum a member handles before they can submit medical costs for sharing. It functions similarly to a deductible but comes with the flexibility of a community-based approach.
Q: Are Sedera plans the same as health insurance?
No. Sedera is a healthcare cost-sharing community, not an insurance company. Members voluntarily share expenses, a system designed to relieve them from many of the costs and constraints of traditional insurance.
Q: Are pre-existing conditions included?
Pre-existing conditions might have waiting periods or partial limitations during the first year or so. Over time, coverage for those conditions can expand under the plan’s rules.
Q: Is it possible to pair Sedera with other medical options?
Absolutely. Many individuals combine it with direct primary care memberships or an HSA-based plan, maximizing their coverage and financial benefits.
Q: Which expenses usually qualify for sharing?
Sedera typically covers sudden or significant needs like surgeries, hospital visits, and emergencies. Basic checkups and preventive treatment might not be shareable under the usual guidelines, so it’s vital to check the plan details.
We’ve helped thousand of people find health insurance or a health sharing plan.
Each customer gets the same amazing service.
Paula M. (CO)
“It was so easy to sign up with Misty's help. I've told many friends about my experience and have shared Misty's contact with them.”
Liner, M. (UT)
“I am Allyson’s stepmother who found and arranged her insurance with Leslie. I want to commend her for being so easy to work with and so clear in her explanations. She was able to get the information from Allyson easily. I wish all insurance people were as helpful.”
Health Insurance Instant Quote
HEALTH INSURANCE INFORMATION
- Plans approved and authorized under the Affordable Care Act
- Covers Pre-Existing conditions
- Low cost subsidized plans available to those earning
< 400% of the federal poverty level - Unlimited lifetime benefits
- Available during open enrollment (November 1 – January 15), or if you qualify for a Special Enrollment Period
How to Choose an HSA-Qualified Health Plan
HSA plans are simple and easy to understand. If you need some basic information on how Health Savings Accounts (HSAs) work, visit our HSA page.
A relatively small percentage of health insurance plans are HSA-eligibile. If you are looking at health insurance quotes through our quote engine, HSA plans will be noted.
While HSAs are typically associated with insurance plans, ColoHealth also offers a partially self-directed HSA combined with a healthshare program through MPowering Benefits. Health care sharing programs are not insurance; instead, they pay formedical expenses in a different way. Members pay monthly contributions, and that money is pooled together to pay for its members’ qualifying medical expenses.
Health share programs offer significant savings, one of their biggest appeals and one of the reasons why there are now more than a million people who have joined a health share program. However, they aren’t for everyone. If you have a pre-existing condition or are currently going to the doctor often, medicare cost sharing programs might not be the right fit for you.
When you are ready to choose a plan, follow the directions below. It usually takes no more than 10 minutes or so to choose the best plan for your needs.
1. Get an Instant Quote.
Our instant quote engine can rapidly show you the available plans in your area, so that you can get an overall feel of what premiums will be for the different HSA plans.
To see just the HSA health insurance plans, change the “Plan Type” on the Customize Search tab at the top of the page to “HSA”. Note that not all insurance companies and plans are available in all areas.
The healthshare program that works with an HSA is very attractively-priced, particularly if you do not qualify for a health insurance subsidy.
Get an Instant HSA Health Insurance Quote
Get an Instant HSA Healthshare Quote
2. Compare premiums/monthly contribution amounts.
This will quickly give you a feel for which companies are most competitive in your area.
3. You may want to consider adding an $100 deductible accident policy. Stand-alone accident plans can be viewed on our Accident Plans page. Because these accident plans are very inexpensive, you may be able to keep your premiums lower while greatly reducing your exposure for the type of claim you’re most likely to need your health insurance for – an accident.
4. With both health insurance and most health sharing plans you may want to check the insurance company’s PPO or HMO network to see which doctors and hospitals are considered in-network providers. The link to each plan’s PPO or HMO network can be found on that company’s page on our site.
Note that some healthshare programs do not use a network, and allow you to see any doctor of your choice.
How to Apply for Coverage
Applying for HSA health insurance and establishing an HSA is quick and easy. Most companies allow you to apply online. Or you may simply print out an application and fax it to us at 866-284-0082, or mail in your application to the address below.
Apply Online
The easiest and most efficient way to apply for an HSA plan is online through a secure online application. This will enable you to avoid the hassles of filling out a paper application and will speed up the process by instantly transmitting your information directly to the insurance company. The application usually takes about 10 minutes to complete.
You may apply online by running instant quotes, and apply online for most plans we offer right from the quoting system's results page. Or simply select the apply online link below for the plan you are interested in.
If you are interested in a healthshare plan, you can get a quote on the MPowering Benefits HSA-qualified health share plan, and apply online.
Mail or Fax an Application
You can download an application for the plan you are interested in, print it out, fill in all the required information, and then either fax it to us toll-free at (866) 284-0082 or mail it to us at the address below.
What Happens After You Apply
When you apply for a health insurance plan through Colohealth, we immediately submit the information. We monitor your application during the whole process, and keep you informed. We use our experience and connections to make sure your policy gets issued as quickly as possible. If any additional information is needed, we’ll let you know. We will inform you as soon as you’ve been approved, and make sure you’re happy with your coverage.
We're Here to Help
As you've probably noticed, our website is comprehensive and should answer most of your questions. However, if you need personal assistance, we are happy to help. Simply pick up the phone and call us, or if you are already in communication with one of our Personal Benefit Managers, you can contact them directly.
If you’re unsure, you may want to schedule a telephone consultation before you sign up for a plan. We will help you fully analyze all your options, let you know the pros and cons of the various plans you are considering, and give you our professional opinion about which plans will best meet your needs. We’ll then help you get enrolled with the plan you choose.
How to Establish Your Health Savings Account
Once you have applied, you'll want to go ahead and set up your Health Savings Account. You are not required to establish an HSA, but by funding the account as soon as possible you'll be able to take advantage of the tax deductions and tax-deferred growth HSAs offer.
To establish your HSA, follow the steps below:
- Choose the bank or trustee you would like to administer your HSA.
- Fund your account no later than April 15th for the previous year.
- Decide how you want that money invested.
- Decide on a strategy for when you’re going to make withdrawals (see the How to Maximize Your Tax Benefits section below).
How to Maximize Your Tax Benefits
An HSA plan is really a pretty simple concept. You have a high-deductible health insurance plan you hope to never use, but if something big does happen, it will protect your assets and cover your medical expenses. There are a few things that can make a big difference in how much money you spend and how much money you accumulate in your account.
There are basically three different strategies on how to fund your HSA.
- Put no money in the account, except when you incur a medical expense. This strategy allows you to legally "launder" any money used to pay medical expenses. In other words, by depositing money into your HSA, then immediately withdrawing it to reimburse yourself for medical expenses, you are making your medical expenses all tax-deductible. You may want to use this strategy if you are on a tight budget and want to keep your cash outlay as low as possible.
- Fully fund the account, or at least put in as much as possible based on your budget. Take money out of the account any time medical expenses are incurred, and let the rest grow tax-deferred. This strategy will maximize your tax deduction, while making your HSA funds available to pay any non-covered medical expenses before your deductible is met.
- Fully fund the account, but pay all medical expenses from a non-HSA account. Reimburse yourself for medical expenses at a later date. This strategy will allow you to maximize your tax deduction and the tax-deferred growth of your HSA. You can then reimburse yourself, tax-free, at any time in the future for medical expenses incurred over the ensuing years.
To maximize the potential growth of your funds, you may want to make your HSA deposits as early in the year as possible. Any growth in your account is tax-deferred, like an IRA.
Take Full Advantage of Your HSA
Don't forget that every time you fund your account you get an instant tax deduction. When you offset the tax savings against your premiums, your net cost for an HSA plan can be very low.
The maximum allowable contribution goes up every year with the Consumer Price Index. If you are contributing to your account for 2024, the individual contribution limit is $4,150, and the family limit is $8,300. In 2025, that limit is $4,300 for individuals and $8,550 for families.
Review your options.
Rate increases for plans happen only in January, so make sure to review your options every year during open enrollment to make sure they’re still the best choice for you. Even if you switch to a plan without an HSA, the account and money are still yours to use; however, you simply can’t contribute to it anymore until you’re under another HSA-qualified plan
Often, people keep their plan much longer than they should, and end up paying much more than they should. If your rates go up, you can compare a wide variety of plans on our Instant Quote System. If you have your coverage through ColoHealth, we automatically do this analysis of available plans for you any time we are notified of rate increases.
Whether you pick an HSA with an insurance plan or a health share plan, HSAs plans are a great way to protect yourself while saving tax-deferred money. If you have any questions or would like to review your options, reach out to your Personal Benefits Manager or give us a call. We’d love to chat and help you through the process.
Healthshare Instant Quote
HEALTH COST-SHARING INFORMATION
- Not health insurance, but a way for like-minded individuals to share medical expenses
- Waiting periods on pre-existing conditions
- May exclude sharing for certain conditions or activities
- Enroll any time
- Much lower monthly cost than unsubsidized health insurance
Sedera Health of Colorado Reviews Section
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Affordable Sharing Model
Sedera has saved me so much compared to insurance. The monthly costs are predictable and fair. I finally feel in control of my healthcare.
Sedera is top tier
Sedera has been an excellent alternative to traditional insurance. The costs are much lower, and the medical needs sharing process has been seamless. I’ve saved so much and feel secure knowing my health needs are covered.
Quick process
I love Sedera! Their community approach to healthcare has been a perfect fit for my family. Every time we’ve needed help, the process has been quick, and the customer service has been fantastic!
Not Perfect
I like the idea behind Sedera, and it’s worked fine for basic medical needs, but the lack of preventive care coverage and delays in bill sharing have been frustrating at times. It’s a decent option if you’re trying to save money, but it’s not perfect.
Reliable Partner for Health Security
Sedera has been a reliable partner in safeguarding my family’s health. The health share plan provides excellent coverage and ensures that we feel secure in times of medical need. The simplicity of the process, coupled with the extensive network of healthcare providers, has made our experience exceptional.
The plan is good option
Reliable Partner for Health Security- Sedera has been a reliable partner in safeguarding my family’s health. The health share plan not only provides excellent coverage but also ensures that we feel secure in times of medical need. The simplicity of the process, coupled with the extensive network of healthcare providers, has made our experience truly exceptional.
Efficient and Transparent Service
Sedera commitment to transparency and efficiency has made my experience as a policyholder incredibly positive. From clear communication about coverage details to the seamless claims process, I appreciate how Sedera prioritizes transparency in every aspect of its service.
Value for Money
Sedera’s health share plan strikes the perfect balance between affordability and comprehensive coverage. As a father of four, managing healthcare costs is crucial, and Sedera has proven to be a cost-effective solution without compromising on the quality of care. I’m impressed and grateful, hence the five-star rating. Layla Martin
Exceptional Coverage and Service - A Seamless Support
I’ve been a Sedera customer for several months now, and I must say, their health share plan has exceeded my expectations. The coverage is comprehensive, and I appreciate the prompt and helpful assistance whenever I’ve had questions. Sedera’s commitment to ensuring my family’s well-being has truly made a positive impact on our healthcare experience. Five stars without a doubt!
Good Coverage, but a Bit Pricey
Sedera Health offers solid coverage, but the prices are a bit higher than I would like. Still, it’s way cheaper than a regular health insurance plan. So far, I’ve been happy with the plan overall.
Disappointing
I was really hoping that Sedera Health would provide more comprehensive benefits. , but I’ve been pretty disappointed with the waiting periods on pre-existing conditions and the services that aren’t covered. I may need to look into a different health insurance option with broader coverage.
WARNING: SEDERA, INC. IS NOT AN INSURANCE COMPANY AND THE SEDERA MEDICAL COST SHARING MEMBERSHIP IS NOT ISSUED OR OFFERED BY AN INSURANCE COMPANY. WHILE EVERY EFFORT IS MADE TO MEET MEMBER’S MEDICAL NEEDS, SEDERA, INC. AND THE SEDERA MEDICAL COST SHARING COMMUNITY DO NOT GUARANTEE PAYMENT OF ANY MEDICAL EXPENSE.