Medical Cost Sharing

While healthcare costs continue to spiral out of control, insurance companies, large hospitals and providers, and pharmaceutical companies are significantly misaligned and unfortunately, not advocating for the patient.

The great news is that medical cost-sharing is replacing health insurance for employers of all sizes!

Fit Health has partnered with Sedera Health to offer an affordable alternative to expensive health insurance. The monthly cost per employee is typically 40-60% less than insurance.

Instead of a huge deductible, members pay only an initial unshareable amount that is as low as $500 (per incident). After that, all medical bills for the incident are fully shared by the community.

In addition to the cost-savings, members have unlimited access to telemedicine, are able to see any doctor they want and have complete control over their healthcare journey.

Employers can participate in Sedera’s medical cost-sharing with as few as five enrolled employees. Sedera also offers individual options for the self-employed and employers with fewer than five employees.

This alternative can also be paired with the necessary insurance products to meet all ACA employer mandates and employee mandates and keep you 100% compliant!

Contact us to learn more about options for you and your company today!

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see why so many people are joining Sedera!

Why it works

For “curative care” issues, Sedera facilitates the sharing of healthcare costs among its members with medical needs. Our philosophy in the Sedera community is that we’re meant to help carry one another’s burdens. Our method of sharing medical expenses among members and supporting each other along the way shows this principle in action.

Americans who use traditional health insurance see only a small portion of their premium go toward health costs. Instead of paying monthly premiums to an insurance company, members share a given amount on a monthly basis and draw from community funds as medical Needs arise.

Monthly shares are generally lower than typical insurance premiums. Through Sedera’s medical cost sharing model, members save between 30 – 50% of the costs that are typically incurred with health insurance plans.

Cost-sharing FAQs
Health Sharing Guidelines
LibertyRX Prescription Program

Member Stories

  • Sedera was there for me 100%. I completely see first-hand how this model works and I never want to give health insurance my hard earned dollars again.
  • After years of dealing with insurance companies, we finally have someone on our side who is looking out for our best interests.

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