Erika Kraus | Health Freedom: Medical Cost Sharing & The Unsustainable Squeeze

“Look at your costs and be financially responsible because it helps your mental health. It helps your spiritual health. It helps your emotional health. They're all so connected. So, look at your costs rather than opt out and end up in an emergency or bankruptcy that has ripple effects on the next decade of your life. Make proactive decisions and investments in your physical health. Be ready if something happens.” – Erika Kraus

Wellness + Wisdom Episode 409

Erika Kraus of Sedera Health explains how to achieve healthcare freedom through their cost sharing system, explores the pain that insurance and pharmaceutical companies are creating for society, discusses the difference between shareable and non-shareable costs, and breaks down the 10 Sedera ethical beliefs and principles.

Are you ready to break free from the struggles that traditional health insurance companies create?

Discover what other primary care health solutions are available with Sedera Health and how they can provide you with not just physical and financial health stability but a wellness community too.

'Look at your costs and be financially responsible because it helps your mental health. It helps your spiritual health. It helps your emotional health. They're all so connected.' - Erika Kraus of @sederahealthClick To Tweet

Sedera Health:
A Refreshing Healthcare Alternative

Are you ready to leave the traditional,
high cost healthcare model?

Start saving on your medical bills today
with the cost sharing community at

Inspired by the modern sharing economy, Sedera Health‘s model centers on Member-to-Member sharing, basically people helping people.
Sedera Medical Cost Sharing Members support one another’s financial and physical health by sharing burdensome medical expenses.
It is no secret that today’s healthcare landscape is complex and confusing. With Medical Cost Sharing, managing medical expenses can be direct and transparent.

Listen To Episode 409 As Erika Kraus Uncovers:


[1:30] Healthcare Freedom: Cost Sharing System

  • Sedera Health
  • Erika Kraus
  • 259 James Maskell
  • Why Sedera is not a insurance model but a community cost sharing system.
  • What Sedera can specifically help you with along your wellness journey.
  • Breaking down what a cost sharing community looks like and how it can give you greater flexibility and freedom.
  • How a cost sharing system helps empower you on your wellness journey and the opportunity to be in charge of your health.
  • The awakening that many people went through in 2020 as they spent time thinking about what it is that they actually want in their lives.
  • Why some beautiful things came forward from the 2020 pandemic; especially the power of community.

[17:30] The Pain That Insurance & Big Pharma Create

[23:30] Shareable vs Non-Shareable Costs

  • What “shareable costs” are and how they can benefit the community especially when healthcare emergencies happen.
  • Why Sedera is extremely proud of their maternity sharing that supports members that are new mothers.
  • Explaining what “non-shareable” costs are and how this system works for medical cost sharing Sedera members.
  • The power of having a plan that allows you to pay for only what you need.
  • Erika's own experience with the autoimmune disease, Hashimoto's, and how that impacted her Sedera plan decision.
  • Why cases of Hashimoto's are actually increasing because of all the stressors we are experiencing including environmental and emotional stress.
  • How Erika's Sedera plan shifted from her first to second year with a pre-existing condition.

[32:30] Direct Primary Care Health Solutions

  • Exploring other non insurance solutions like direct primary care.
  • The monthly payment plan for direct primary care and why many people like this model.
  • Discounts Sedera gives to members who invest in a monthly primary care health plan.
  • Why Josh and his family are joining Sedera to help them should they face health emergencies in the future.
  • How mapping your costs and being financially responsible helps your mental health and overall wellbeing.
  • Breaking down the numbers for salaries and premiums in the USA and the unsustainable squeeze it creates for families.
  • How annual savings will shift for a family as they move from the health insurance to a cost sharing model.

[42:00] Physical & Financial Health Stability

  • Why Sedera and cost-sharing plans do not use the conditioned term “covered” as it disempowers people.
  • How Sedera helps their clients achieve the balance of both physical and financial health.
  • Why Sedera is so much more as they are building a wellness tribe with their members.
  • Exploring Sedera’s focus on education and empowering their members to take full charge of their health.
  • How Sedera will teach you how to shop for the best healthcare for both your wellbeing and your wallet.
  • Why love and support is so essential in Sedera’s mission to helping members on their healing journey.

[48:00] The 10 Sedera Ethical Beliefs & Principles

Power Quotes From The Show

'How do we get back to health freedom? A lot of that is really bringing the doctor-patient relationship back together. You get to be in charge of your health and have an unfettered relationship with your doctor.' - @sederahealthClick To Tweet

Helping Patients Feel Empowered Again

“How do we get back to basics? How do we get back to that freedom and flexibility? A lot of that is really bringing the doctor-patient relationship back together. So what can Sedera bring to the table? You get to be in charge of your health and you get to have an unfettered relationship with your provider. As a medical cost sharing partner, you get to have a really intentional, mutual conversation with your doctor and work out what you need, what you can wait on, and ultimately make decisions together that are right for you. That truly helps you feel empowered with all of the insights and knowledge you need for you to be directly in charge of your healthcare choices.”  – Erika Kraus

Rebuilding Our Community In 2021

“At Sedera Health, we take care of ourselves and we take care of one another. You can't go to a community and just think about what you going to get from it; that's not community but we also have to prioritize taking care of ourselves. That mutuality is so, so important and community allows us to have that. Especially 2020 and now in 2021, this experience is allowing us to get back to that with some fresh ways.” – Erika Kraus

Fixing The Price Transparency Problem

“We have a price transparency problem in the USA that is everywhere in the news right now and when there's not transparency when it comes to your cost, when you actually do not know what you are paying for, you do not know the end cost. You may need to go have this surgery but if you do not know what that actual cost is, there's no accountability and there's so much room for waste to get built in. No one knows.It's really hard to navigate your healthcare choices but when we do have price transparency, you can look at these different surgery centers and see the actual cost and reviews. That's what shopping for healthcare should look like.” – Erika Kraus

Links From Today's Show 


Jamie Lagarde: Sedera Health Medical Cost Sharing


About Josh Trent

Josh Trent lives in Austin, Texas with his love Carrie Michelle, son Novah, and a cat named Cleo. He is the Founder of Wellness Force Media, host of the Wellness + Wisdom Podcast and the creator of the BREATHE: Breath & Wellness Program. Josh has spent the past 19+ years as a trainer, researcher, and facilitator discovering the physical and emotional intelligence for humans to thrive in our modern world. The Wellness Force Media Mission is to help humans heal mental, emotional, and physical health through podcasts, programs, and a global community that believes in optimizing our potential to live life well.

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