5 Low Cost Health Plans:
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control your healthcare costs
m powering benefits
health excellence plus


Control Your Health Care Costs offers Health Excellence Plus™, which provides Christians and members of all faiths who share Sedera's Concepts and Principles of Membership with freedom from health insurance through Medical Cost Sharing. With our program, you'll become a free-market patient, which means you're control of your health within a community of like-minded people with a shared belief set.

The Medical Cost Sharing portion of the program provided through Sedera Health is built upon the principles used by some of the Christian healthcare sharing groups. For the past 70 years, either the insurance model or the government has dominated the economic model of healthcare. However in the late 1980's and early 90's some modern day Christian groups began comparing the escalating costs of healthcare with the simple and effective manner in which older Christian groups (such as the Amish) have handled their property and casualty needs for more than a century. We've all heard of the proverbial Amish "barn raising." There is no need to insure the "barn" because the community will come together for a "barn raising if it should burn down.

These Christian groups decided to follow the Biblical mandate of "bearing one another's burdens" by sharing healthcare costs in a similar fashion: members of the community literally share one another's medical bills. This method of meeting needs proved effective as it withstood court challenges from its "outside the box" approach (which was really a reintroduction of the historical sharing approach modeled by the Amish).

By 2010 and the passage of the ACA the impressive growth of the Christian health care sharing movement had, by now, led to hundreds of thousands of individuals and families not using an insurance model, but rather trusting to the sharing of needs as administered by these health care sharing groups. So the ACA, in recognizing the effectiveness of these groups and their sound legal history, enshrined their legitimacy in law by granting an exemption to the law's penalties for those who were a part of these recognizable groups.

Although the exemption of the law only applies to a very limited number of qualified Christian health care sharing groups and their members, the model of health care sharing has proven legitimate and effective. As long as one can find ways of fulfilling the law's mandates (note: the "individual mandate" that provides tax penalties for those who do not meet all the ACA's requirements is eliminated effective 1/1/2019), the health care sharing model can teach us much.

This is where Sedera Medical Cost Sharing was born as a concept. Health-conscious Americans needed an alternative to the high cost of fully-insured health plans. Participation in a health plan that includes Minimum Essential Coverage (MEC) provides compliance with the Individual Shared Responsibility Provision of the ACA. Not carrying a health plan (with MEC) subjects most Americans to a federal tax assessment (aka a penalty). Using this model for handling preventive care through 2018, the minimum requirement of the law for individuals is fulfilled.

Even though it will no longer be required to provide a MEC and cover preventive costs in 2019, most of our plan options continue to employ a MEC because we believe that continuing to provide and utilize preventive care services will help keep members healthy, reduce the incidence of illness (particularly chronic illness), and hence reduce the costs of healthcare both to the individual member and the community as a whole.

But what about actually handling the escalating costs of illness or injury?. This is where the Medical Cost Sharing model, which is not insurance, applies. Sedera expands the sharing approach to individuals and their households who choose to share common health-related goals.

Review the 5 types of plans
health excellence plus

Self-Directed Healthcare
Self-Directed Healthcare
Totally Self-Directed Program Combining Wellness Services AND Medical Cost Sharing For Large Expenses And Mammograms, Colonoscopies and Childhood Immunizations
Partially Self-Directed Healthcare
Partially Self-Directed Healthcare
Partially Self-Directed Program Combining Wellness Services, Preventive Care, An Optional Health Savings Account, AND Medical Cost Sharing For Large Expenses
Co-Pay Network Healthcare
Co-Pay Network Healthcare
Provider-Directed Program Combining Wellness Services, Preventive Care, Co-Pays For Most Small Expenses, AND Medical Cost Sharing For Large Expenses
DPC - Direct Primary Healthcare
DPC - Direct Primary Healthcare
Provider-Directed Program Supplementing Direct Primary Care With Wellness Services AND Medical Cost Sharing For Large Expenses And Mammograms, Colonoscopies, and Childhood Immunizations
Provider-Directed Healthcare
Provider-Directed Healthcare
Provider-Directed Program Combining Wellness Services, Redirect Health for Preventive Care And Most Small Expenses, AND Medical Cost Sharing For Large Medical Expenses
Designed for individuals who want to live a healthy lifestyle
and share the costs with other like-minded community members.

Through an innovative layering of healthcare services, the MPowering Benefits Association provides individuals and families access to high quality healthcare that is affordable, flexible and effective.

Members join the Association to promote personal health and well-being and, as a result, have access to a complete set of wellness tools provided through My Academy of Health Excellence.  Members of the Association have the choice (see above) of electing to join one of five different programs.

The program provides healthcare through community; you share medical expenses with a community of like-minded, health-focused individuals. By enrolling in this new program you’ll often be able to save 30-90% or more over traditional approaches.

By reviewing this website you’ll be able to choose between two self-managed programs and three physician-managed programs. Whether you want to take back control of your own healthcare and related costs, want someone to manage healthcare costs for you, or you’re somewhere in between, there’s an option to fit your specific needs.

You can learn more by reviewing this site and then calling us at 877-734-3884 to answer any remaining questions you might have. Enrollment is available on a year-round basis. Individuals who enroll by the 20th of a specific month will have an effective date as of the first of the following month.

NOTE: Medical Cost Sharing members share medical expenses with a community of like-minded people. Medical Cost Sharing is not insurance and there is no sharing of risk.

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