Enjoy an affordable and effective alternative to health insurance in Texas

It’s common for people to feel less than pleased with their health insurance plans. A report from the Kaiser Family Foundation revealed that about 1 in 3 individuals with a health plan are concerned about their ability to afford their monthly medical premium. But locating affordable health insurance coverage is not consumers’ only concern. A survey conducted by OnePoll found that about 56% of Americans feel totally lost when it comes to understanding their insurance plans.

CrowdHealth is a unique alternative to health insurance plans in Texas. Unlike plans offered by Texas insurance providers, our crowdfunding plans help Members avoid the complexities of the Texas health insurance system. We don’t provide insurance coverage. Instead, our health plans cover medical expenses via crowdfunding. If you’ve heard of crowdfunding, you might think of a one-time fundraising campaign that raises money for one health event. CrowdHealth is different. We ask our Members to make monthly plan contributions to a Health Funding Account that is used to cover Community medical expenses.

The benefits of securing a Texas CrowdHealth plan as a health insurance alternative are tremendous. Our plans make paying for medical coverage and taking part in the health care system a breeze. All you have to do is share your medical bills with us. We’ll ensure that your health expenses are covered. Our health plans are affordable and our Community is extremely supportive.

Purchasing health insurance should leave consumers feeling empowered and financially prepared to manage their medical care needs. At CrowdHealth, we aim to empower our Texas Community of Members to take control of their care and experience the savings they deserve. 

Keep reading to find out why signing up for one of our medical care plans in Texas can benefit both your health and your budget.

Crowdfunding vs. health insurance and fundraising in Texas

Health insurance plans in Texas and across the nation can be confusing because of the number of restrictions and requirements they impose. Texas residents who want to carefully compare health insurance plans often feel pressured to make a quick choice due to the insurance sector’s requirement to enroll in a health plan during open enrollment. After choosing an insurance plan, customers have to meet their health insurance deductible before they can use their healthcare coverage. Fortunately, you don’t have to worry about these limitations with CrowdHealth.

While fundraising efforts are generally not as complicated as health insurance plans, attempting to raise money to cover the cost of health expenses can be extremely difficult. This is especially true when the fundraising attempt is made through a traditional crowdfunding site as opposed to one that provides health coverage. When you acquire a CrowdHealth plan, you don’t have to worry that others won’t see your request for funding or help cover your health expenses. Our medical care plans give all Members the opportunity to receive funding for medical bills in a timely fashion. You also don’t have to pay for the care you receive after the fact. The intention of our crowdfunding coverage is to pay your health costs upfront as often as possible.

Is a crowdfunding health plan more affordable than Texas health insurance?

At CrowdHealth, one of our primary goals as an alternative to health insurance plans in Texas is to reduce the cost of care for each Member. We’re proud to say that we’re very successful in making health care expenses easier to afford. This is important since insurance plans in Texas are so pricey. In 2022, the average health insurance premium for an adult’s benchmark health plan was $424 in Texas. Monthly health plan costs alone can leave insurance customers paying upwards of $5,000 for their annual coverage. This doesn’t include the plan deductible or any other out-of-pocket health expenses.

When you secure a CrowdHealth plan, you’re never in the dark about coverage costs. Our TX medical care plans are straightforward and affordable. The plan cost for individuals aged 6-54 is $175 per month. If you’d like coverage for an entire family of 4 to 8 people, the plan contribution is just $695 per month.

These low-cost medical care plans give you plenty of bang for your buck by ensuring you keep the majority of your monthly health plan contribution. CrowdHealth only takes $30 each month as an administrative fee. The remainder of the monthly plan contribution you pay is stored in your Health Funding Account, which can be used to finance the medical bills of other Members. Health care plans in Texas don’t get any easier.

Care advocacy in Texas makes crowdfunding an attractive medical insurance substitute

Our commitment to offering cost-friendly health coverage plans extends to your overall cost of care. While health insurance companies in Texas cover their portion of billed medical expenses and leave the rest to you, our plans focus on reducing your overall cost of care.

Let’s say that you have a health appointment with your doctor. Before visiting their office, let us know about your upcoming health visit. Your membership plan includes a personal care advocate who will contact your doctor’s office to negotiate the cost of care before you arrive. You‘ll pay up to $500, which is the amount all Members pay as a part of their health plan agreement. But since the advocate’s goal is to reduce the cost of each health event, you could pay much less. In fact, CrowdHealth has tremendous success with reducing the cost of care by between 30% and 60%.

If you encounter a health event that requires a payment of more than $500, simply submit a funding request to us and we will reach out to the Community to fund your medical bill. The funds that the Community agrees to cover are transferred directly into your Health Funding Account. This enables you to pay for your health event in cash.

What’s great about securing our crowdfunding plan is you don’t have to worry about coverage limitations or claims denials. The Community provides coverage for small and large health expenses. In fact, there is no limit to the amount your crowdfunding health plan will cover. If after we negotiate your cost of care the bill is still large, we’ll negotiate a payment plan that the Community will cover over several months or even several years!

What does a Texas crowdfunding plan cover?

Our crowdfunding health plans help Members pay most medical expenses. Whether you need financial assistance with a simple procedure or a major surgery, the Community will provide coverage. You don’t even have to know about your health event in advance. A crowdfunding health plan helps cover medical costs for a planned procedure or an emergency treatment. All you have to do is take a photo of your health care bill then send it to us via the mobile app to have the Community pay your expenses.

It’s important to note that a small number of procedures and treatments aren’t eligible for funding by our health plans. Currently, the Community does not provide coverage for fertility treatments, alternative therapies, or cosmetic procedures. Our health plans also currently don’t cover vision or dental care; however, we hope to offer coverage for these health events in the future.

As for drug prescription costs, you’ll be happy to know that the Community will provide coverage for 120 days following a specific health event that occurs during active membership. Any drug prescription costs accumulated after 120 days are not included in the membership plan. While Members are responsible for these costs, they can benefit from access to our pharmacy discount partner, which reduces prescribed drug costs by 50% to 60%.

Who is eligible for Texas crowdfunding medical coverage?

At CrowdHealth, our goal is always to provide health coverage to as many people in Texas as possible. Currently, we offer medical plans for individuals aged 0-64; however, we don’t yet extend coverage to tobacco users or people who weigh more than 270/300 pounds (female/male).

Individuals with pre-existing health conditions are invited to join, but keep in mind that coverage for care associated with these conditions will be limited. For the first year of a Texas Membership plan, a diagnosed or documented health condition won’t be covered. In the second and third years, medical expenses associated with the health condition will receive coverage of up to $25,000 and up to $50,000, respectively. In the fourth and following years of coverage, the plan will pay up to $100,000. Similar limitations apply for associated drug prescriptions, procedures, and treatments.

Members who become pregnant after acquiring a Texas CrowdHealth plan will have their entire pregnancy covered in three phases: 1) prenatal care, 2) labor and delivery, and 3) postpartum care. Pregnant Members must pay $500 for each phase for a total $1,500 commitment. The rest will be covered by the Community. While a pregnant Member is covered under their health plan, their newborn baby will require their own health plan following their birth.

Get more information about health insurance and cost sharing plans in Texas at Joincrowdhealth.com

It’s not always easy to contemplate walking away from the health insurance in Texas you’re accustomed to. But there’s no doubt that a Texas crowdfunding plan from CrowdHealth can serve as a phenomenal health insurance alternative. We take pride in offering health plans that can significantly improve your experience with receiving and paying for quality medical care. 

With Texas crowdfunding coverage, you don’t have to worry about deductibles, referrals, or coinsurance/copayments that an insurance company in Texas would impose. Our plans don’t place limitations on Members because we’re not a health insurance company. You’re free to see the doctor of your choice without concerns about when to enroll in an insurance plan or whether you’ll be restricted by an insurance network. Your plan will always be straightforward. You pay up to $500 for a health event, and we’ll cover the rest. 

Find out more about the benefits of acquiring a Texas crowdfunding health plan by exploring reviews from actual CrowdHealth Members. When you’re ready to enjoy a top-notch health insurance alternative in Texas, don’t hesitate to sign up for a CrowdHealth plan.

Talk to a CrowdHealth Specialist

People Love CrowdHealth

As a physician in practice for over a decade, I'm immersed in the problems we face in healthcare. CrowdHealth is the most impactful solution to restoring the doctor patient relationship that I've seen.
Dr. Maryanna Barrett, MD
Owner of Thrive OBGYN 
Healthcare desperately needs viable alternative payment approaches. I am thrilled to see CrowdHealth leading the way.
Dr. Tanya Stewart, MD, MBA
Former Chief Clinical Transformation Officer, United Health Group
The vast majority of people in this country are enjoined in an insurance contract they never wanted. CrowdHealth aims to change the terms of this spectacularly bad contract.
Dr. Mark Napoli, MD, FACC
CEO, Cor Medical, Inc.
Everyone should have affordable healthcare options. I’m thrilled to see Crowdhealth partner with real estate agents as this is a huge obstacle in our industry.
Mallory Mundy
Team Leader, Keller Williams Southwest Market Center
I've never understood why Realtors have to pay more for quality health care just because we are entrepreneurs. CrowdHealth is providing a true solution to our community combating the high costs of traditional health insurance.
Natalie Hengel
Broker / Partner, 8z Real Estate
I am excited to see CrowdHealth help today’s and tomorrow’s entrepreneurs who now have the freedom to pursue a dream without giving up an important safety net.
Mark Strub
Broker/Owner, Strüb Residential, Compass
Healthcare desperately needs viable alternative payment approaches. I am thrilled to see CrowdHealth leading the way.
A photo of the author of the quote
Dr. Tanya Stewart, MD, MBA
Former Chief Clinical Transformation Officer, United Health Group
As a physician in practice for over a decade, I'm immersed in the problems we face in healthcare. CrowdHealth is the most impactful solution to restoring the doctor patient relationship that I've seen.
A photo of the author of the quote
Dr. Maryanna Barrett, MD
Owner of Thrive OBGYN
The vast majority of people in this country are enjoined in an insurance contract they never wanted. CrowdHealth aims to change the terms of this spectacularly bad contract.
A photo of the author of the quote
Dr. Mark Napoli, MD, FACC
CEO, Cor Medical, Inc.
As a physician in practice for over a decade, I'm immersed in the problems we face in healthcare. CrowdHealth is the most impactful solution to restoring the doctor patient relationship that I've seen.
A photo of the author of the quote

Dr. Maryanna Barrett, MD

Owner of Thrive OBGYN

Healthcare desperately needs viable alternative payment approaches. I am thrilled to see CrowdHealth leading the way.
A photo of the author of the quote

Dr. Tanya Stewart, MD, MBA

Former Chief Clinical Transformation Officer, United Health Group

As a physician in practice for over a decade, I'm immersed in the problems we face in healthcare. CrowdHealth is the most impactful solution to restoring the doctor patient relationship that I've seen.
A photo of the author of the quote

Dr. Maryanna Barrett, MD

Owner of Thrive OBGYN

ON

Related Resources

More information to get you going.

Cheap Health Insurance in Georgia: CrowdHealth Plans Provide Affordable Coverage

CrowdHealth is disrupting the insurance industry through crowdfunded health plans with no monthly premiums, deductibles, physician networks, or profits-before-people attitudes.

Share

Searching for an Obamacare Alternative? Check Out These Alternatives!

Obamacare was introduced back in 2010 with three primary objectives. In 2019, the Obamacare mandate was lifted – allowing people to choose alternatives. Some states continue to enforce Obamacare, which means that you may incur financial penalties if you refuse to get this form of health insurance.

Share

CrowdHealth Health Plans Are Top NY Private Health Insurance Alternatives

Signing up for our budget-friendly crowdfunding health plans is great for consumers looking for alternatives. Most NY state health insurance plans leave customers guessing when they'll enjoy the full benefits of their coverage.

Share

Looking for Alternative Health Insurance? Here Are Some Alternative Health Plans to Consider:

There are many notable insurance alternatives that can be more affordable and effective. Typical health insurance plans in the U.S. are regulated by the Affordable Care Act (ACA) Insurers must follow a number of guidelines when creating and selling plans within this federal-regulated insurance marketplace.

Share

How to Check if a Doctor is in Network: How to Verify Networks and Find an In-Network Doctor

If you visit providers that are out of your network, you will incur higher costs. This is why many patients in the U.S. try to check if a doctor's within their network before figuring out whether to visit them for appointments.

Share

What is Christian Health Insurance? How Christian Healthcare Helps with Medical Care

Members pay monthly fees that go towards one central pot of money. They also tend to have a pre-negotiated preferred provider network. Many health sharing plans are emerging as viable alternatives to traditional health insurance.

Share

Looking for Affordable, Cheap Healthcare? Choose the Best Health Insurance and Boost Your Health Care

Some reports state that the cost of private health insurance could rise by about 10% by 2023 - more than double the rate of inflation. The cost of prescription drugs is also rising at a staggering rate.

Share

CrowdHealth Florida Health Plans Are Fantastic Cheap Health Insurance Alternatives

Our health coverage is derived through crowdfunding efforts from a group of like-minded people. The goal of paying for health care through crowdfunding is to eliminate many of the coverage restrictions associated with Florida insurance plans.

Share

Finding Affordable Health Care (Health Insurance) – How to Choose the Best Plans for Reliable Health Coverage

Many Americans are struggling to find affordable health insurance plans. There are more options for affordable coverage than you think. Assessing your options can be a little challenging.

Share

Healthshare: Could This Be the Best Way to Protect Your Health? Share the Costs and Say Goodbye to Traditional Health Insurance

Healthshare is an alternative to traditional health insurance in the United States. There are many similarities between healthshare and a normal health insurance policy.

Share

How Medical Cost Sharing Plans Allow You to Share Your Healthcare Costs: Why Health Care Sharing Could Be Your Most Affordable Option

Health ministries are cost-sharing, crowdfunding insurance alternatives for people from all walks of life. The very first health ministries can be traced back to the early 1900s in Amish and Mennonite communities.

Share

What’s the Deal with Health Ministries, and How Do They Affect Healthcare?

Health ministries are cost-sharing, crowdfunding insurance alternatives for people from all walks of life. The very first health ministries can be traced back to the early 1900s in Amish and Mennonite communities.

Share

How to Get Health Insurance After Open Enrollment

In the U.S., there is only one period throughout the year when most people can sign up for health insurance or switch plans. During this period, insurers are not allowed to turn down applicants due to their health status – including any pre-existing health conditions.

Share

Choosing the Best Gap Insurance for Short-Term Coverage

Gap insurance is an ideal way to ensure you're protected from financial hardship in the event of a medical emergency. Gap insurance should not be viewed as a long-term insurance solution, as there are several disadvantages associated with this type of coverage.

Share

A New Way of Looking at Affordable Health Insurance Plans in Texas

CrowdHealth is looking to flip the health insurance paradigm on its head with plans are designed to help the public access essential care without breaking the bank.

Share

Affordable NY Health Insurance Coverage Through Crowdfunding

Our plans don't have huge monthly premiums or deductibles, and don't ask New Yorkers to foot huge medical bills. Instead, we leverage a vibrant community of active Members to negotiate health care expenses.

Share

Bridge Health Insurance: Why This Type of Short Term Health Insurance Offers Plenty of Benefits and Health Coverage

These insurance plans often come with no coinsurance and no co-pays. CrowdHealth uses a crowdfunding business model to provide individuals with an alternative to traditional healthcare insurance.

Share

CrowdHealth: One of the Most Affordable Healthcare Coverage Alternatives to Cheap Health Insurance in Illinois

CrowdHealth is a low-cost, stress-free alternative to health insurance plans in Illinois. Members make contributions to a health fund each month that helps pay their medical bills.

Share

CrowdHealth Plans Are the Best Alternatives to Cheap Health Insurance in Texas

CrowdHealth is a unique alternative to health insurance plans in Texas. Our health plans cover medical expenses via crowdfunding.

Share

CrowdHealth Coverage: A Fantastic Alternative for Cheap Health Insurance in Virginia

Using CrowdHealth as an alternative to VA health insurance or regular health insurance can help you save on medical expenses while also giving you more freedom when selecting care providers.

Share

Crowdfunding Plans Provide Affordable Health Insurance Alternatives in Florida

Floridians struggle to find the care they need at prices they can afford. CrowdHealth's plans provide health coverage with no networks, no premiums, no deductibles, and maximal transparency.

Share

Seeking Cheap Health Insurance in Colorado? Get Coverage Through Crowdfunding Instead

CrowdHealth is an alternative to traditional health insurance in Colorado. Our crowdfunding plan leverages the negotiating power of many to secure lower costs for each Member.

Share

One of the Most Common Insurance Questions About Health Coverage: Can I Cancel My Health Insurance at Any Time?

Open enrollment in the individual market lasts from November 1st to December 15th.

Share

What to Do When COBRA Runs Out: Your Next Steps After Coverage Ends

COBRA is geared towards American workers who lose their health benefits. This type of coverage gives them temporary coverage under their previous group plan for a limited amount of time.

Share

CrowdHealth: Make Crowdfunding Medical Bills, Health Expenses, and Medical Costs Easy

CrowdHealth is a true alternative to the current health insurance system. Submitting your medical bills to CrowdHealth will recoup your costs. We are network-free, letting you and your family visit any provider you want. Even signing up is a simple process. Your monthly membership includes a care advocate that negotiates large health bills for you.

Share

Healthcare Simplified

Sign up and meet your Care Advocate

Get personal support through all the complexities of your health care, from appointments to billing, and crowdfunding for you when you need it

Choose or keep your existing doctors

No networks or restrictions, so you can get the best care for an affordable price

Tap into the power of the crowd

Our community of like-minded individuals helps each other pay for medical bills instead of lining insurers' pockets

CrowdHealth vs "Affordable" Insurance

How can we charge so little and be better than insurance?

Have Questions?

Talk to a CrowdHealth Specialist.