How Much Does Sedera Cost?
As of October 2026, the Sedera + Akos MD combined membership (medical cost sharing plus virtual primary care) costs from $167.52 a month for a single adult under 30 to $1,693.12 a month for a family with an oldest member aged 60–64 at the lowest IUA. Most households pay between $200 and $800 a month. Your income does not change the price.
Worked Examples & Worst-Case Year
Illustrative figures for non-tobacco households. The worst-case year reflects 12 monthly membership fees plus the maximum of three IUAs that can apply in a single year.
| Household Example | Selected IUA | Monthly Combined | With Dental (From) | Worst-Case Year |
|---|---|---|---|---|
| Single, age 28 | $2,500.00 | $167.52 | $176.47 | $9,510.24 |
| Single, age 35 | $1,000.00 | $226.86 | $235.81 | $5,722.32 |
| Couple, oldest 45 | $1,000.00 | $534.64 | Available upon request | $9,415.68 |
| Family, oldest 40 | $1,500.00 | $691.22 | Available upon request | $12,794.64 |
| Couple, oldest 55 | $2,500.00 | $596.56 | Available upon request | $14,658.72 |
| Single, age 62 | $1,000.00 | $613.86 | $622.81 | $10,366.32 |
*Worst-case year calculations ignore maternity (which has a dedicated double-IUA) and bills outside published guidelines. Illustrative only; not a binding quote.
Which IUA Should You Choose?
A lower IUA reduces out-of-pocket exposure during a medical event, but increases your fixed monthly contribution. Because a household is responsible for at most three IUAs in a membership year, a $500 IUA can save at most $6,000 per year compared to a $2,500 IUA ($2,000 difference × 3 Needs).
| Extra Cost Per Year ($500 vs $2,500 IUA) | Oldest 30–39 | Oldest 40–49 | Oldest 50–59 |
|---|---|---|---|
| Member Only | $1,826.64 / yr | $1,744.08 / yr | $2,229.12 / yr |
| Member + Spouse | $4,128.00 / yr | $3,952.56 / yr | $5,036.16 / yr |
| Member + Family | $5,882.40 / yr | $5,614.08 / yr | $7,151.76 / yr |
What this means in practice: A single person pays roughly $1,800/yr extra in monthly fees for the $500 IUA, meaning it only breaks even if they incur at least one large Need every single year.
For a family with an oldest member in their 50s, paying $7,151.76 extra per year guarantees an immediate net loss, since the maximum possible savings is capped at $6,000. Most healthy households are better served by selecting a higher IUA and retaining the premium savings in a dedicated reserve fund.
Full Price Tables (October 2026)
Combined Sedera + Akos MD monthly share amounts for non-tobacco households. New members must be 18–64.
$2,500.00 IUA Tier
| Household Structure | Under 30 | 30–39 | 40–49 | 50–59 | 60–64 |
|---|---|---|---|---|---|
| Member only | $167.52 | $179.56 | $196.76 | $303.40 | $556.24 |
| Member + spouse | $390.16 | $426.28 | $433.16 | $596.56 | $849.40 |
| Member + children | $356.46 | $396.02 | $405.48 | $560.28 | $813.12 |
| Member + family | $575.98 | $633.60 | $633.60 | $844.30 | $1,097.14 |
$1,500.00 IUA Tier
| Household Structure | Under 30 | 30–39 | 40–49 | 50–59 | 60–64 |
|---|---|---|---|---|---|
| Member only | $185.58 | $198.48 | $215.68 | $326.62 | $579.46 |
| Member + spouse | $439.18 | $468.42 | $474.44 | $649.02 | $901.86 |
| Member + children | $396.88 | $434.72 | $443.32 | $607.58 | $860.42 |
| Member + family | $647.36 | $694.66 | $691.22 | $918.26 | $1,171.10 |
$1,000.00 IUA Tier
| Household Structure | Under 30 | 30–39 | 40–49 | 50–59 | 60–64 |
|---|---|---|---|---|---|
| Member only | $205.36 | $226.86 | $242.34 | $361.88 | $613.86 |
| Member + spouse | $490.78 | $532.06 | $534.64 | $726.42 | $978.40 |
| Member + children | $439.88 | $490.62 | $494.92 | $674.66 | $927.50 |
| Member + family | $722.18 | $784.96 | $778.08 | $1,029.20 | $1,282.04 |
$500.00 IUA Tier
| Household Structure | Under 30 | 30–39 | 40–49 | 50–59 | 60–64 |
|---|---|---|---|---|---|
| Member only | $254.38 | $331.78 | $342.10 | $489.16 | $742.00 |
| Member + spouse | $615.48 | $770.28 | $762.54 | $1,016.24 | $1,268.22 |
| Member + children | $546.52 | $700.46 | $696.16 | $930.08 | $1,182.92 |
| Member + family | $905.36 | $1,123.80 | $1,101.44 | $1,440.28 | $1,693.12 |
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Statutory Legal Notices & Disclosures:
Health care sharing ministries and medical cost-sharing communities are not insurance and are not regulated as insurance. Sharing of medical expenses is voluntary and not guaranteed. Review each organization's guidelines for details, limitations, and state-specific notices.
We may receive compensation from some organizations we recommend. This does not change our evaluation of how they work.
THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance.
This page provides general information and does not constitute medical, legal, or tax advice. Prices are set directly by the programs and can change.