What Is Medical Cost Sharing? How Medical Cost Sharing and Direct Primary Care Can Help You Save on Healthcare
As health insurance premiums reach all-time highs—and more people are losing coverage—many are asking:
Is there another way to afford healthcare without traditional insurance?
The answer is yes. It’s called medical cost sharing, and it’s helping thousands of Americans take control of their healthcare costs without sacrificing access to quality care.
What Is Medical Cost Sharing?
Medical cost sharing is a community-based model where members agree to share the cost of large, unexpected medical expenses. Think of it as neighbors helping neighbors—except on a national scale.
One of the most trusted platforms in this space is Sedera. While not insurance, Sedera provides a structured, transparent way for members to share the financial burden of significant medical events—like surgeries, ER visits, or hospitalizations.
How It Works—and Why People Love It
With traditional insurance, you often pay high premiums, deal with complicated networks, and face surprise bills. With Sedera, you get:
✅ Lower Monthly Costs – Often hundreds less per month compared to standard health plans.
✅ Freedom to Choose Your Doctors – No provider networks, referrals, or authorizations required.
✅ Simple Cost Sharing – You pay an “Initial Unshareable Amount” (IUA), and the community shares the rest.
✅ Upfront Pricing and Transparency – Know what you’re paying and why, with no hidden fees.
What’s the Catch?
Like any system, medical cost sharing isn’t perfect. It's important to understand:
It’s not insurance, so there are some limitations.
Pre-existing conditions may have waiting periods before costs are shareable.
You’re responsible for submitting medical expenses and sometimes negotiating prices.
That said, these gaps are easily filled when you pair medical cost sharing with another modern option: direct primary care.
Why Medical Cost Sharing Pairs Perfectly with Direct Primary Care
Direct primary care (DPC) is a growing model where you pay your doctor directly—usually through an affordable monthly membership—for unlimited access to routine care. No insurance billing. No surprise charges.
DPC covers everyday needs like:
Annual checkups
Chronic condition management
Medication adjustments
Sick visits
Medical cost sharing steps in when unexpected, high-cost care is needed. Together, this combo replaces the traditional insurance model at a fraction of the cost—and with much more control.
Employers are also starting to offer this combination through direct contracting, reducing costs while improving employee access to care.
Want to Save Even More?
We’ve created two quick videos to help you save money right now, no matter what type of coverage you have:
These tips work whether you’re uninsured, using Sedera, or just trying to make your insurance go further.
Bottom Line
If you're tired of expensive premiums, confusing policies, and limited access to care, medical cost sharing with Sedera and direct primary care could be the smarter, simpler, and more affordable solution you've been looking for.
Whether you're:
An individual without coverage
A family trying to reduce monthly expenses
A small business owner looking for a better employee benefit
Or just ready to opt out of the status quo
This model puts you back in control.
