CrowdHealth sees changing the existing health insurance paradigm as a noble mission, and our Members find that we do things very differently. Our plans provide health coverage with no networks, no premiums, no deductibles, and maximal transparency.

First, new Members pledge to make a monthly contribution to our service. CrowdHealth only retains $30 of these pledges to cover administrative costs, with the rest placed in each Member’s savings account for future use. You can use your money on your care or voluntarily fund services for other Members at your discretion to boost your generosity score. Should you ever decide to leave CrowdHealth, your money is refunded to you minus a small cancellation fee. 

When you go to a doctor, ask for the cash price of your visit. All doctors offer a cash price even if it isn’t published anywhere because it saves them the hassle of filing health insurance claims, fighting about prior authorizations, and waiting up to four months to get paid. If the quote is $500 or less, you take care of the bill. If it’s more than $500, you pay $500 and then submit a funding request to CrowdHealth for the rest. 

While many Florida health insurance companies make submitting claims seem impossible, CrowdHealth makes it easy. All you have to do is download our mobile app, snap pictures of your bills, and click on the “Submit” button. 

CrowdHealth facilitates every funding request, so other Members will see your bill and transfer funds directly from their accounts to yours for maximal convenience. If possible, we also ask that you tell us beforehand whenever you need expensive care. Our expert negotiators can frequently get the cost down 30-60% from the initial quote you receive, saving our Members a lot of money. We can negotiate the cost of emergency care after the fact as well. 

The best part is that we negotiate a long-term payment plan to make big bills less onerous for our Members. For instance, a $240,000 bill isn’t that bad when 5,000 community Members are contributing $2 per month for 24 months.

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Technically, the answer is no. CrowdHealth makes no guarantee thatmedical bills will be paid and therefore doesn’t qualify as health insurance inFlorida. However, we would argue that this semantic detail allows us to offersuperior health coverage. Here are three of the biggest problems with mosthealth insurance companies and how CrowdHealth gets around them:

       1. Putting profits before people

The Affordable Care Act (sometimes called ACA or Obamacare) cappedhow much money health insurance companies could make from premiums. This soundsgood in theory but ends up making healthcare more expensive in practice. Ifyour monthly premium is $1,000, the insurer can only make a $150 profit onthat. If they want to make a higher profit (and they always do), the onlyoption is to increase your premium at every opportunity. CrowdHealth doesn’teven have premiums, so this is never a problem with our health coverage. 

       2. The downside ofhealthcare networks in Florida

Many health insurance companies in Florida market themselves onthe size of their networks since nobody wants a plan they won’t be able to use.While logical, this gives insurance companies every incentive to cave whenevera provider asks for more money, maintaining the relationship while using thehigher costs to justify the premium increases discussed above. CrowdHealthdoesn’t have networks and the only ways we can increase revenues are throughenrollment and negotiating better deals for our Members. Our interests arealigned.

       3. Insurance is a fake guarantee

‍While health insurance companies like to claimthat their coverage is guaranteed, research indicates that many patients aresimply out of luck. According to a 2019 study by the Kaiser Family Foundation, 40 million in-networkclaims were denied by insurance companies that year. Every plan in the study was purchased on the publicmarketplace, so these were the plans you’re supposed to rely on for coverage.CrowdHealth doesn’t guarantee anything, but our Members know they can rely onus when it counts.