Knew Health Review
Secular health sharing for everyone
Last verified: March 1, 2026
Our Verdict
Knew Health is a secular health sharing community that eliminates religious requirements entirely. Open to everyone regardless of faith background, Knew Health focuses on affordability and accessibility. With transparent pricing and straightforward sharing rules, members can use any healthcare provider. Knew Health appeals to those seeking the cost benefits of health sharing without faith-based lifestyle requirements.
👥 Who Knew Health is Best For
- Secular Option
- Young Professionals
- Provider Freedom
- Best Affiliate
Rating Breakdown
Pricing & Costs
Monthly contributions based on individual, couple, or family size
Coverage Details
| Maternity | ✓ | Maternity coverage available after 12-month membership period |
| Mental Health | ✓ | Outpatient mental health and counseling eligible for sharing |
| Telemedicine | ✓ | Included |
| Prescriptions | ✓ | Prescription discount program included; prescriptions related to shareable needs eligible |
| Preventive Care | ✓ | Annual wellness visit sharing included |
| Dental & Vision | ✗ | Not included; discount programs available |
Network & Requirements
Network Type
Any Provider
No network — freedom to choose any provider
Religious Requirement
No
No religious affiliation or lifestyle requirements
Waiting Period
30 days
Pre-Existing Conditions
12-month waiting period
Pros & Cons
👍 Pros
- No religious requirements — open to everyone
- Highest affiliate commission at $300 per signup
- Transparent pricing and modern platform
- Complete provider freedom with any doctor or hospital
👎 Cons
- Newer program with smaller member community
- 30-day initial waiting period for new members
- No PPO network means no negotiated rates
- Less established track record
📋 How the Claims Process Works
- Receive Medical Care: Visit any provider (check network for discounted rates). Pay your provider directly.
- Pay Your IUA: Cover your Initial Unshareable Amount (deductible) out-of-pocket first: $1,000–$3,000.
- Submit Bills: Send your eligible medical bills to Knew Health via their online portal or mobile app.
- Review Process: Knew Health reviews your bills for eligibility based on program guidelines (typically 15-30 days).
- Community Shares: If approved, the community shares (pays) your eligible medical expenses up to Up to $1,000,000 per incident per incident.
Important: Health sharing is not insurance. There are no legal guarantees that your bills will be paid. Sharing is based on program guidelines and community participation.
⏳ Pre-Existing Conditions Policy
Knew Health has a 12-month waiting period for pre-existing conditions. This means:
- Waiting period: Medical expenses related to pre-existing conditions are not eligible for sharing during the first 12 months of membership.
- After waiting period: Once the waiting period is complete, eligible expenses related to pre-existing conditions may be shared according to program guidelines.
- What qualifies: A pre-existing condition is any illness, injury, or medical condition for which you received treatment, diagnosis, or advice in the 12 months before joining.
This is standard across most health sharing programs and differs significantly from ACA-compliant insurance, which must cover pre-existing conditions immediately.
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