CrowdHealth

For those of you who signed up recently, welcome to the Crowd! Just curious, how long did the sign up process take?

Its our favorite time of the week: TAKEDOWN TUESDAY!

Member paid $500 The community picked up $14,500

Three things you should definitely do (or not do) when you go to the ER

Our CEO spends 30–40% of his day engaging directly with our customers, listening to their experiences, understanding their needs, gathering feedback, addressing their concerns…and sometimes just eating good food together.

The world is healing. 😂

September transparency files are up! All the key metrics about how the Crowd is doing in one place! You can find that here:

https://www.joincrowdhealth.com/crowdfunding-results

So fun hanging out with our fellow Crowdies at the Phoenix “Meat Up”!!

The Crowd funded 3,886 bills in September

🏥 Illness — 785 Breast cancer Bacterial meningitis Kidney stones Chest pain, cardiac concerns Deviated septum Hysteroscopy Brain Cancer ENT concerns, ear tubes, tonsils & enlarged adenoids

🩺 Annual Wellness & Preventive Care — 961 Annual wellness visits Biomarker lab panels Colonoscopies & diagnostic colonoscopies Mammograms

🤰 Pregnancy & New Life — 928 Pregnancy & OBGYN care Postpartum care Pelvic floor & tongue tie support Newborn wellness visits Child wellness visits

📱 Virtual Care & Mental Health — 150 Virtual primary care Virtual urgent care Virtual talk therapy

🦴 Injuries & Orthopedics — 498 Back injuries, herniated & bulging discs Neck injuries Knee injuries, knee osteoarthritis & knee dislocation Shoulder exercise injuries IT band pain & gluteal strain Wrist cysts Motor vehicle accidents

🚑 Emergencies — 518 Brain mass events & MPA (microscopic polyangiitis) Heart attacks & chest pain Appendicitis & abdominal/stomach pain Broken radius, wrist injuries Torn meniscus, Achilles ruptures Kidney Stones Other

⚡ Quarterly Specials — 46 CAC Score / CAC Test cardiac screening (Q3 Special) Tiny Health gut testing (Q2/Q3 Specials)

If you are ready to escape the medical industrial complex on Jan 1 27 you can sign up for that start date today.

You won’t be billed until your start date.

Takes about 10 minutes

The holidays will be oh so sweet knowing you exited the system and don’t have to fill out your insurance renewal forms this year.

There's an old saying in business: fast, good, cheap. Pick two. Want it fast and good? It won't be cheap. Want it cheap and fast? Don't expect quality.

Healthcare has managed to give us none of the three. It's expensive, your doctor choices are limited by a network, and you wait weeks for someone at an insurance company to approve your care.

CrowdHealth breaks the rule. You pay less. Our members have gone to some of the best physicians in the country. You can get your healthcare needs met quickly.

Save some $$$. Join CrowdHealth

Get 20% off of CrowdHealth if you can prove you are metabolically elite. DEXA scan (visceral fat), fasting insulin, and Hs CRP are eligible for funding now through the end of January. More info on home page of your app.

Largest Bill to date: ~$3M

A few pieces of that bill are still being sliced by our negotiating ninjas but it looks like it will be cut down by about 80%.

Will wait to share more details of this bill in the future so we don't compromise the negotiations.

We Left Traditional Health Insurance in January and Our Family of Four Has Saved At Least $12,000

https://www.busylivingwell.com/p/crowdhealth-real-cost-family-of-four

It's our favorite time of week! Takedown Tuesday!

Member paid $500 The Crowd picked up $49,500

Exit the system. Join CrowdHealth

Well this is a first. Our friends and fellow Texans (FAFOFarmsTX) has a new bull calf. Welcome to the world “Crowder.”

“Do whatever you need to do to save your baby girl.”

“Hi! We just wanted to send a quick note to thank you all so much for your support last week. It was, without a doubt, the scariest experience of our lives, and we cannot tell you how much it meant to know that when we reached out to our Care Advocate, there were no pre-approvals, permissions, or hoops to jump through. We were simply told, “Do whatever you need to do to save your baby girl.” In that moment, that meant everything to us.

After my C-section, Saylor was in such critical condition that I wasn’t even able to see or meet her. She was transferred to the NICU with Austin while I remained in the hospital recovering. For two full days, I could only see my newborn baby through FaceTime. Being separated from both my husband and our daughter, stuck in a hospital and completely helpless, was incredibly difficult.

We are so incredibly grateful to share that Saylor James was discharged from the NICU Friday evening! According to her doctors, she made a remarkable recovery. She went from being unresponsive and requiring resuscitation twice at birth to coming home with us just four days later. It truly feels like a miracle, and God is so good. We wanted to share a few photos from our little journey so you could see the family behind all of this. The work you are doing truly matters, and your support gave our family one less thing to worry about during the most frightening days of our lives.

We will never forget it. Thank you from the bottom of our hearts for being there for our family when we needed it most. All the best, Baby Saylor and Family

It's our favorite time of the week! Takedown Tuesday!

Member paid $500 The Crowd picked up $10,500

Free yourself from health insurance! Join CrowdHealth

Thanks for the fun Denver Crowdies!

MAHA has totally jumped the shark.

They have a MAHA summit coming up next week and guess who is on the "Affordability First" panel?

UnitedHealth (largest health insurance plan) Elevance (second largest health insurance plan) American Health Insurance Plan Association

Clearly

Here is where your money went in August. Lots of active injuries. When you have a group that lives life to the fullest, it happens. Stay safe out there y’all.

It's our favorite time of the week!

Takedown Tuesday

Member Paid $500

The Crowd picked up $7,500

Avoid the health insurance nightmare, join CrowdHealth!

Y'all, we have some Crowdies going through some tough times.

The Anderson family recently lost their home to a fire. They lost everything but we are so thankful that they made it out of the home without injury.

If you are at all interested in helping out a member of the Crowd fam please consider giving. 🙏

Venmo: https://venmo.com/code?user_id=2089568648036352788

BTC: bc1qvk7tne9js499cvvctd8ytprrgww2jtgcmpe9u9

Our July transparency file is live! You can see all the bills submitted in July, the types of bills the Crowd funded, and even our complaints.

You can find the fully transparency file here: https://www.joincrowdhealth.com/crowdfunding-results

Congrats to (LAWCoachClem) for being the winner of the quarterly quarter cow contest! (jakesteaks1) will reach out to coordinate delivery.

🧐

Jessica is our delight coordinator. We have a full time person just to make sure that when you have something big in life happen that you feel love from the Crowd.

She’ll generally send a little something like a baby blanket and a onesie for new babies, care package for mom, flowers to someone going through surgery, gift card to the local grocery if we have a member struggling financially, etc

So many tough health cases that she has had to help with lately. Thanks to the Crowd these people can worry about their health and not their finances.

It's our favorite time of the week: TAKEDOWN TUESDAY

Member paid $500 The Crowd picked up $8,500

Free yourself from the shackles of health insurance. Join CrowdHealth

http://www.joincrowdhealth.com

We just hit #270 on the Inc. 5000 list of America's fastest-growing companies. 🎉

The ranking isn't the story.

The story is tens of thousands of you, choosing each other over a broken system. Showing up for a stranger's ER bill. Sharing the load when someone got the diagnosis nobody wants. Proving that healthcare doesn't need an insurance company in the middle to work.

You didn't just leave the system. You built something better in its place. You are starting a revolution.

And it's spreading. Fast.

If you're already in the Crowd... Thank you!!

If you're still on the fence, come and join in on the fun (and save a ton of money along the way).

We’ve paid out approximately $1.8M to our members over the last 12 months.

If you refer a member to Crowd, you get $250 if they stick around for at least three months (e.g $1,000 for a family of 4).

You can customize your referral code and track you referrals in your app.

We are profitable. Have been for awhile.

Profit in healthcare is GOOD...as long as the incentives are aligned.

We want our members to have real reassurance that we'll be here for the long term. That kind of trust only comes from running a sustainable business model.

For-profit → has to keep proving its value or lose the customer. That forces investment in better outcomes, faster service, lower costs. Innovation is survival.

Nonprofit → insulated. Tax-exempt status, guaranteed funding streams, and captive markets mean the incentive to improve is weaker. Status quo is survival.

Thomas Sowell: "Profits are not just rewards for risk-taking. They are also incentives for efficiency."

We have a member going through a very serious form of cancer at one of the leading cancer facilities in the country. He was just given a 90% reduction in price due to being cash pay. This WAS NOT through financial assistance (he owns a successful company)...just purely paying directly at the point of care.

Healthcare is expensive if you use health insurance. Otherwise, very manageable...especially if you have a community of ~35,000 people helping you through it.

If you are wondering why your insurance is so expensive…You so silly Allegheny Hospital. LMAO

Cash pay all the way with CrowdHealth

Breast Cancer, Brain cancer, auto accidents, heart attacks, seizure....and even a "fox bite" was in the mix this month. Please, whoever got too close to a fox, reveal yourself. 😂

Thank you so much to everyone in the Crowd who generously contributed to help out a fellow Crowdie.

The Crowd funded 3,497 bills in July

🏥 Illness & Chronic Conditions — 537 Breast cancer Brain cancer Ovarian Cysts Kidney stones, digestive issues & GI disorders Heart palpitations Rheumatology Abdominal/pelvic pain Liver mass Hernia repairs, hysterectomies Breast health events

🩺 Annual Wellness & Preventive Care — 747 Annual wellness visits Biomarker lab panels Colonoscopies & screening mammograms Preventive screenings & routine physicals

🤰 Pregnancy & New Life — 764 NICU Pregnancy & OBGYN care Postpartum care Pelvic floor therapy & pelvic pain Tongue tie & infant feeding support Newborn wellness visits Child wellness visits

📱 Virtual Care & Mental Health — 456 Virtual talk therapy & mental health sessions Virtual primary care Virtual urgent care

🦴 Injuries & Orthopedics — 413 Back injuries, back pain, back strain Knee injuries, knee pain & torn meniscus Neck injuries & wrist fractures Should injuries Foot injuries & avulsion fractures Hip pain & physical therapy Motor vehicle accidents

🚑 Emergencies — 415 Microscopic polyangiitis (MPA) & severe infections Chest pain, heart attacks & cardiac emergencies Seizures & allergic reactions Achilles ruptures & joint inflammation Fox bite ICU admissions

⚡ Quarterly Specials & Longevity — 165 Tiny Health gut testing (Q2/Q3 Specials) CAC Score / CAC Test cardiac screening (Q3 Special)

FOR CROWD MEMBERS ONLY

An unprecedented and transparent look behind the scenes at how we operate the business. We’ll be walking through the actual operations/sales dashboard we use to measure our outcomes.

Whether you are an aspiring entrepreneur interested in our perspectives on community building or a current Crowdie interested in how the community is doing, you’ll get an update on the Crowd followed by a live AMA with our CEO (andyjschoonover)

Link to register is in your Monthly 5 email that was sent to all members Friday afternoon.

Welcome to the nearly 2,000 Crowdies who joined us in July!

Welcome to the neatly 2,000 Crowdies who joined us in July!

Healthcare should be deflationary.

Over the last 12 months: Singles under 55 have paid on average $140/month (down 5% from the previous 12 months). ~$140 in August.

Singles 55+ have paid on average $221.67 (down 8%). ~$220 in August.

Families of 4 have paid on average $478.33 (down 3%). ~$480 in August.

Free yourself from health insurance. Join CrowdHealth. 🧡

*Does not include transaction costs (.8%-3%). Does not include promo rates. Rates are for CrowdHealth Original service.

Looking 🔥🔥🔥 in August

Set yourself free from health insurance.

Join CrowdHealth

Never did we think that we'd show up in the Fauci diaries!!

Never ever did we ever think we'd show up in the Fauci diaries:

.(erosbrousson) needs to join CrowdHealth. 😂

Its our favorite time of the week: TAKEDOWN TUESDAY

Member paid $500 The Crowd picked up $3,500

Exit the system. Join CrowdHealth.

Workers feel captive. We’ve built the exit.

Member put a note on a bill he submitted:

"They adjusted the amount from like $2700 to $991. Oh hell yea! Can’t fool us with that overpriced garbage, am I right?!"

Seizing the power in healthcare feels so good. 😆🤣

Our monthly transparency file is live! Every bill submitted, all the stats, and even the complaints can be found here: https://www.joincrowdhealth.com/crowdfunding-results/june-2026

It's our favorite time of the week! Takedown Tuesday!!

Member Paid $500 The Crowd picked up $3,500

Exit the system, join CrowdHealth.

We have a ton of families who homeschool in the Crowd. Many, many Crowd employees that homeschool(ed).

Given all the hubbub around homeschooling on this platform over the last couple of days, we thought we'd repost.

Our condolences to everyone out there that has health insurance.

SHARED WITH PERMISSION

"I signed up for CrowdHealth about 4½ years ago, hoping it would live up to everything they promised. Instead, they completely exceeded my expectations. They truly under-promised and over-delivered.

When I first joined, I knew having children was in my future, so their maternity support was one of the biggest reasons I signed up. Now, after welcoming three healthy babies with CrowdHealth as our only medical, I can honestly say it’s been one of the best decisions our family has made.

After my member commitment they covered my midwife, doula, home birth supplies, water birth tub rental, postpartum care, lactation consultants, and so much more. Every step of the process has been surprisingly simple, transparent, and genuinely user-friendly—far easier than I ever expected healthcare could be.

What has impressed me just as much is how personal they make everything feel. They’ve sent thoughtful gifts during each of my pregnancies, plus birthday gifts for me and my oldest child. Those little touches say so much about the kind of organization they are.

CrowdHealth doesn’t feel like dealing with a giant, impersonal insurance company—it feels like being part of a community that actually cares. There’s even a members-only Telegram group where the CEO is actively involved. If you ever have a question or run into an issue, you’re not stuck calling an 800 number, navigating endless phone menus, and wondering who’s on the other end. You can connect with real people who genuinely want to help.

This is what healthcare should look like: people helping people, not corporations profiting from families who simply need care. I couldn’t recommend CrowdHealth more highly, especially for anyone looking for a more personal, transparent, and human approach to healthcare." -OB

SHARED WITH PERMISSION

"I signed up for CrowdHealth about 4½ years ago, hoping it would live up to everything they promised. Instead, they completely exceeded my expectations. They truly under-promised and over-delivered.

When I first joined, I knew having children was in my future, so their maternity support was one of the biggest reasons I signed up. Now, after welcoming three healthy babies with CrowdHealth as our only medical coverage, I can honestly say it’s been one of the best decisions our family has made.

After my member commitment they covered my midwife, doula, home birth supplies, water birth tub rental, postpartum care, lactation consultants, and so much more. Every step of the process has been surprisingly simple, transparent, and genuinely user-friendly—far easier than I ever expected healthcare could be.

What has impressed me just as much is how personal they make everything feel. They’ve sent thoughtful gifts during each of my pregnancies, plus birthday gifts for me and my oldest child. Those little touches say so much about the kind of organization they are.

CrowdHealth doesn’t feel like dealing with a giant, impersonal insurance company—it feels like being part of a community that actually cares. There’s even a members-only Telegram group where the CEO is actively involved. If you ever have a question or run into an issue, you’re not stuck calling an 800 number, navigating endless phone menus, and wondering who’s on the other end. You can connect with real people who genuinely want to help.

This is what healthcare should look like: people helping people, not corporations profiting from families who simply need care. I couldn’t recommend CrowdHealth more highly, especially for anyone looking for a more personal, transparent, and human approach to healthcare." -OB

Officially more than 50,000 bills have been funded by the Crowd to date.

Of the 32 bills submitted to the community for funding that didn't receive full funding, the vast majority came from people who weren't willing to help others in the community. Therefore, the community declined to fund their bill including the largest of these 32 bills at $3,750.

It’s our favorite time of week… TAKEDOWN TUESDAY

Member paid $500 The Crowd picked up the remaining $6,500

Exit the System. Join CrowdHealth.

Healthcare is where American freedom goes to die.

Our CEO is speaking at 4:25 today on the main stage at FreedomFest to outline the progress we’ve made building a parallel system.

If you are at the conference we’d love for you to join us.

The Crowd funded 3,393 bills in June

🩺 Annual Wellness & Preventive Care — 783 Annual wellness visits Newborn & child wellness exams Colonoscopies Biomarker lab panels

🤰 Pregnancy & New Life — 710 Pregnancy & OBGYN care NICU stays Newborn wellness visits

🦴 Injuries & Orthopedics — 420 Neck & back injuries Knee injuries & dislocations Fractures & tendonitis Motor vehicle accidents

🧬 Illness & Chronic Conditions — 570 Kidney stones Chronic osteomyelitis OBGYN & women's health issues Ovarian cysts Tongue tie Pneumonia Cancer (Brain, Colon, Urology, Breast, Skin)

💻 Virtual Care & Mental Health — 359 Virtual talk therapy Virtual primary care HealthTap virtual care

🚨 Emergencies — 300 Heart attacks Seizures Achilles ruptures Car accident ER visits

🔬 Quarterly Specials & Longevity — 251 Tiny Health gut testing (Q2 Special) Longevity events

We want to treat one of our members to one ticket to the USA Belgium World Cup game in Seattle. You’ll join our CEO to root on the home team.

If you want to go please DM us the email you use for Crowd. We will choose a winner at random at 8pm central time.

While blowing off a hand doing fun pyrotechnics over the weekend would be eligible for funding, please say safe out there. Happy Birthday America!

Regarding our stunt in New York City today: Mayor Mamdani wants to seize control of your assets. We just want to help you seize control of your healthcare bills. We will not apologize.

Regarding our stunt in New York City today: Mayor Mamdani wants to seize the means of production. We just want to help you seize control of your healthcare bills. We will not apologize.

As a paying customer for a service that is supposed to cover you, ponder this for a moment:

You’ll be able to get a loan from your health insurance plan for the portion of the bill that health insurance plan doesn’t cover.

😂🙃

https://pnhp.org/news/trump-solution-to-unaffordable-medical-bills-get-a-loan/

This will be the lowest three month stretch in the history of CrowdHealth. Way to go Crowdies!

Healthcare should be deflationary. Over the last 12 months:

Singles under 55 have paid on average $140/month (down 5% from the previous 12 months). ~$135 in July.

Singles 55+ have paid on average $222.08 (down 9%). ~$210 in July.

Families of 4 have paid on average $477.92 (down 4%). ~$465 in July.

Opt out. Exit the system. Join CrowdHealth. 🧡

http://joincrowdhealth.com

*Does not include transaction costs (.8%-3%). Does not include promo rates. Rates are for CrowdHealth Original service.

Two brain surgeries this month. Both successful.

The family that got the surgery done this week on their young child, searched all over the country to find the best neurosurgeon to correct this super rare condition.

Negotiated a price, funded by the Crowd, got it done within two weeks, and is now recovering.

Its our favorite time of the week...Takedown Tuesday. Member paid $500 The Crowd picked up $13,500

Exit the system. Join CrowdHealth

A Proposal for UnitedHealth Group To Merge with CrowdHealth

An open letter to the Board of Directors of UnitedHealth Group

To the leadership of UnitedHealth Group,

We are writing to offer you the opportunity to acquire CrowdHealth.

We know how this usually goes. Normally the company worth half a trillion dollars is the one doing the offering, and the small scrappy upstart is the one accepting. But we've thought about it carefully, and we believe the most valuable thing CrowdHealth has to offer is something that rarely shows up on a balance sheet: a way of running a healthcare company where the word "care" still does the heavy lifting. We would be honored to bring that to you.

Here is our six-point plan to restore "care" to UnitedHealthcare.

Point 1: Adopt a new core mission "Legit love our members"

That's the mission, in those exact words, and everything we do will revolve around it.

When a member goes in for surgery, we'll send a care package.

When a new member is born, we'll send a welcome gift to celebrate a new life joining the UnitedHealth family.

Every member will have a personal Care Advocate. No more call centers in foreign countries. Real personalized care is what we will be known for.

The idea is simple: treat the people who count on us like people we are LUCKY to serve. We're confident your members will welcome this new mission.

Point 2: Install our CEO as your CEO

To most effectively deliver on Point 1 we must change the culture. To do that, it must start at the top. Our founder will take the helm. He will earn a maximum of three times the average pay at UnitedHealth. He will receive a salary and nothing more. No options, no special grants, no golden parachute. We believe leadership should share in the same incentives as the people it serves, and we think this is the clearest way to show we mean it.

We know there will be skepticism on Street about this move. It’s difficult for Wall Street to hear that we will put people before profit. However, we believe their fears will be alleviated after they realize he graduate bottom cum laude (bottom 10%) at Stanford, and currently runs a 60 person company. Most importantly to our cultural transformation, he has built a company culture that puts its customers first as most effectively seen in our Trustpilot ratings (4.9 stars for CrowdHealth vs 1.2 stars for United).

Point 3: Be relentless about lowering prices

You are one of the ten largest companies in the world by revenue. That is an enormous amount of leverage, and we, as a combined entity, intend to point it squarely at the cost of care. CrowdHealth is 1/20,000 the size and we are finding prices that are about half of United’s cost.

We'll use our size to push prices down. Hospitals tell us they operate on single-digit margins and that much of their cost is fixed which means a payer the size of UnitedHealth carries real weight at the negotiating table. We intend to use that weight thoughtfully, and on behalf of our members.

Yes, as premiums decline, profits will dip in the short term. We're prepared for that, because we're playing a long game: lower prices and the new trusted reputation for keeping them low, will bring more members, and that growth will more than make up for the premium we give back along the way. If we take care of our members first, they will tell their friends that United is a great place to get coverage. Their friends will tell their friends. Human resources executives won’t have to spend as much time hearing about denials, and poor coverage. United will once again become the easy choice.

Point 4: Sell off anything that pulls us away from the mission

We'll divest Optum. We'll divest every secondary business line that creates an incentive to profit from the very costs we're working to bring down. It's hard to fully serve a member while also profiting from the pharmacy, the clinic, and the doctors. So, we'll keep our focus narrow and clear: lower premiums, and legit loving our members.

Point 5: Use our influence for patients, not profit capture

You have real standing with state and federal legislatures, and we'd like to put it to work for the people we cover.

We'll encourage lawmakers to limit hospital consolidation, a major driver of rising prices. We'll support repealing certificate-of-need laws, which too often keep entrepreneurs out of the market. We'll push to let doctors practice across state lines, so that a patient in one state and a willing physician in another aren't kept apart by paperwork. Lastly, we’ll use every means necessary to restore the ability for physicians to own hospitals because they know more about what it takes to care for patients than the MBAs.

Point 6: Let members shop, and let them pay cash

We'll help members see prices clearly and take advantage of direct pay discounts wherever they exist. We'll begin with employers, encouraging them to contract directly with their local hospitals. We will give people incentivizes for choosing a lower cost option even if the procedure fall above their deductible. And we'll accelerate CrowdHealth's founding mission: giving people the ability to pay their doctors and facilities directly, which consistently leads to far better pricing

The American healthcare system was handed to us in better shape than it's currently on track to be handed to our children. We have a genuine chance to change that, to be the carrier that shows every other carrier what's possible. To prove that a company can be both enormous and good, and that those two things were never really at odds.

Let's do this for the families who worry. For the parents who open the mail with their breath held. For the children who will inherit whatever we choose, today, to build.

We can lead the way. We hope you'll lead it with us.

Sincerely, CrowdHealth

A Proposal for UnitedHealth Group To Merge with CrowdHealth

An open letter to the Board of Directors of UnitedHealth Group

To the leadership of UnitedHealth Group,

We are writing to offer you the opportunity to acquire CrowdHealth.

We know how this usually goes. Normally the company worth half a trillion dollars is the one doing the offering, and the small scrappy upstart is the one accepting. But we've thought about it carefully, and we believe the most valuable thing CrowdHealth has to offer is something that rarely shows up on a balance sheet: a way of running a healthcare company where the word "care" still does the heavy lifting. We would be honored to bring that to you.

Here is our six-point plan to restore "care" to UnitedHealthcare.

Point 1: Adopt a new core mission "Legit love our members"

That's the mission, in those exact words, and everything we do will revolve around it.

When a member goes in for surgery, we'll send a care package.

When a new member is born, we'll send a welcome gift to celebrate a new life joining the UnitedHealth family.

Every member will have a personal Care Advocate. No more call centers in foreign countries. Real personalized care is what we will be known for.

The idea is simple: treat the people who count on us like people we are LUCKY to serve. We're confident your members will welcome this new mission.

Point 2: Install our CEO as your CEO

To most effectively deliver on Point 1 we must change the culture. To do that, it must start at the top. Our founder will take the helm. He will earn a maximum of three times the average pay at UnitedHealth. He will receive a salary and nothing more. No options, no special grants, no golden parachute. We believe leadership should share in the same incentives as the people it serves, and we think this is the clearest way to show we mean it.

We know there will be skepticism on Street about this move. It’s difficult for Wall Street to hear that we will put people before profit. However, we believe their fears will be alleviated after they realize he graduate bottom cum laude (bottom 10%) at Stanford, and currently runs a 60 person company. Most importantly to our cultural transformation, he has built a company culture that puts its customers first as most effectively seen in our Trustpilot ratings (4.9 stars for CrowdHealth vs 1.2 starts for United).

Point 3: Be relentless about lowering prices

You are one of the ten largest companies in the world by revenue. That is an enormous amount of leverage, and we, as a combined entity, intend to point it squarely at the cost of care. CrowdHealth is 1/20,000 the size and we are finding prices that are about half of United’s cost.

We'll use our size to push prices down. Hospitals tell us they operate on single-digit margins and that much of their cost is fixed which means a payer the size of UnitedHealth carries real weight at the negotiating table. We intend to use that weight thoughtfully, and on behalf of our members.

Yes, as premiums decline, profits will dip in the short term. We're prepared for that, because we're playing a long game: lower prices and the new trusted reputation for keeping them low, will bring more members, and that growth will more than make up for the premium we give back along the way. If we take care of our members first, they will tell their friends that United is a great place to get coverage. Their friends will tell their friends. Human resources executives won’t have to spend as much time hearing about denials, and poor coverage. United will once again become the easy choice.

Point 4: Sell off anything that pulls us away from the mission

We'll divest Optum. We'll divest every secondary business line that creates an incentive to profit from the very costs we're working to bring down. It's hard to fully serve a member while also profiting from the pharmacy, the clinic, and the doctors. So, we'll keep our focus narrow and clear: lower premiums, and legit loving our members.

Point 5: Use our influence for patients, not profit capture

You have real standing with state and federal legislatures, and we'd like to put it to work for the people we cover.

We'll encourage lawmakers to limit hospital consolidation, a major driver of rising prices. We'll support repealing certificate-of-need laws, which too often keep entrepreneurs out of the market. We'll push to let doctors practice across state lines, so that a patient in one state and a willing physician in another aren't kept apart by paperwork. Lastly, we’ll use every means necessary to restore the ability for physicians to own hospitals because they know more about what it takes to care for patients than the MBAs.

Point 6: Let members shop, and let them pay cash

We'll help members see prices clearly and take advantage of direct pay discounts wherever they exist. We'll begin with employers, encouraging them to contract directly with their local hospitals. We will give people incentivizes for choosing a lower cost option even if the procedure fall above their deductible. And we'll accelerate CrowdHealth's founding mission: giving people the ability to pay their doctors and facilities directly, which consistently leads to far better pricing

The American healthcare system was handed to us in better shape than it's currently on track to be handed to our children. We have a genuine chance to change that, to be the carrier that shows every other carrier what's possible. To prove that a company can be both enormous and good, and that those two things were never really at odds.

Let's do this for the families who worry. For the parents who open the mail with their breath held. For the children who will inherit whatever we choose, today, to build.

We can lead the way. We hope you'll lead it with us.

Sincerely, CrowdHealth

Lot of hullabaloo around the midjourney announcement last week re AI powered full body scans.

We love it. It’s not perfect, but rarely does tech come out of the gate perfect. Dial up internet. Cell phone bags in our cars. AI hallucination.

Here is how the Crowd handles full body scans currently.

You pay for the scan.

If something comes up, you pay the first $500 to figure out if it’s something you need to worry about. Everything above the $500 is eligible for funding.

Happy Father’s day gentlemen.

If a family of 4 had ditched health insurance and joined CrowdHealth when we started in October of 2021, and invested the savings in the S&P 500, you'd be approximately $70,000 richer.

Not investment advice. 🙃

Our May monthly transparency file is live. It includes every bill, status, and even complaints.

https://www.joincrowdhealth.com/crowdfunding-results

People always ask: What if I get in a car accident?

It's happened multiple times.

We get the bills.

We crush the bills.

The Crowd funds the bills.

The member can focus on their health.

It's time for Takedown Tuesday!

The average family of 4 saves about $10,000 a year by joining this community of people helping other people.

Instead of sending that $10,000 to an insurance company or using it for a deductible, what about making some memories instead?

A beach sunset. 🏖️🩴 First ski trips. ⛷️ National park adventures. 🌄 A getaway with your spouse. 👩‍❤️‍👨 Grandparents joining for one last vacation. 👴🧓

Approximately $85M to date has been put back into the pockets of Crowdies, and their families, so you can do what YOU want to do with it as opposed to filling the coffers of the medical industrial complex.

Thank you for supporting this movement to change healthcare. 🧡🧡🧡

Our biggest differentiator is that we have a culture that deeply cares for our fellow Crowdies. 🧡🧡🧡

DO NOT JOIN CROWDHEALTH...unless you are ok with our CEO texting, and then calling, to check in on you after a tough surgery.

We have gotten to know this beautiful family as life has put them through the wringer. Really hard, but beautiful, birth story followed by dad being diagnosed with a brain tumor.

The personal connection with our members, especially during their hard times, is our calling...and the Crowd has stepped up to fund this family's really difficult journey.

Fellow Crowdies, we hope you feel loved. We aren't perfect so if for some reason you don't, DM Andy on our telegram* chat and we'll make it right.

*if you are a Crowd member and not on Telegram, check your monthly 5 email for the invite or DM us the email you use for Crowd and we'll send you an invite.

(InternetCPA) Absolutely. Prices do matter but only within a system that incentivizes people to care.

(Suzanne_Outside) For sure! About 30% of these births have indicated it will be at home.

(greg_travis) Exactly. So hospital transparency files would be pretty useless for you

(mkeBucks11) Theoretically you are correct. Practically, you are wrong.

(greg_travis) What services have you gotten at a hospital?

(ghostofPswayze) (harold_bracy) mark You are good to go on that check up!!

(yuanmichael15) mark Exactly what we are saying. Price transparency is good. Price transparency in the current system is pretty worthless

Sounds like we agree on most. CrowdHealth fixes this. Need a procedure and in 20seconds in most areas of the country we know what the cash pay price is for that procedure. We are pro transparency but the current health insurance system makes it pretty worthless and that’s a main reason our costs are going up

Mark is wrong about us being wrong.

We are PRO transparency. However, the CURRENT SYSTEM makes transparency almost completely useless.

The theory Mark has is that you have a high deductible then you’ll shop because it hits your wallet.

Here are the problems with this: 1️⃣ 80% of US healthcare costs are chronic. They will bust the deductible. Therefore they don’t care about price. 2️⃣ Any major procedure (the ones that move the healthcare cost needle) are above the deductible and so they don’t care. 3️⃣ If you go to the ER in an ambulance you aren’t shopping on the way. 4️⃣ Even if you did want to shop the hospital “transparency” files often times don’t include the cost of the doctor so you can’t come up with a true cost anyways.

So that leaves you with meds, labs, imaging, and preventative procedures that shouldn’t be procured at a hospital anyways.

Conclusion: transparency is great if you have a system in place that incentivizes people to actually care about the price.

***Mark will come back and say that employers will waive the deductible if the patient shops. It’s a great idea but the penetration of these types of services from what have heard from primary sources are in the low single digits.

(DornesGeoff) mark Did you know that doctors that work at the hospital but not for the hospital (most ER docs and anesthesiologists for example) aren’t included in these files and therefore you can’t actually know the full price?

(JustonBrazda) Absolutely. With CrowdHealth they do

(nebro) You are on Medicare. Prices are fixed

mark Hey Mark, what significant procedure falls under your deductible? 80% of our costs are chronic conditions. Nearly all of them bust through the deductible and if you know you are going to break through your deductible you don’t care.

The Crowd has 586 babies due in 2026.

What the Crowd has funded: Breast Cancer ✅ Colon Cancer ✅ Brain Cancer ✅ Twin NICU babies ✅ Auto Accidents ✅ Brain Hemorrhage ✅ Complex Spine Surgery ✅ Hemophilia ✅

What the Crowd has not funded: Massive CEO salaries ❌ Bureaucracy ❌ Networks ❌ Corporate Lobbying ❌ Regulatory Capture ❌

We have a fellow Crowdie having brain surgery to remove a tumor today. Please keep them in your thoughts and prayers.

1,000 reviews!!! Find us another 4.9 ⭐️ rated healthcare payment method.

http://www.joincrowdhealth.com

Healthcare should be deflationary. Over the last 12 months:

Singles under 55 have paid on average $139.58/month (down 5% from the previous 12 months). ~$135 in June.

Singles 55+ have paid on average $221.67 (down 8%). ~$210 in June.

Families of 4 have paid on average $476.25 (down 4%). ~$465 in June.

Opt out. Exit the system. Join CrowdHealth. 🧡

http://www.joincrowdhealth.com

*Does not include transaction costs (.8%-3%). Does not include promo rates. Rates are for CrowdHealth Original service.

The Biggest Little Farm followed us on IG yesterday (trailer below...worth the watch). EEEEEEK!!!

A few years ago, our CEO watched this movie and was inspired.

A couple looked at a broken system and dared to believe there was a better way. While the world was moving toward bigger, more industrial, more complicated agriculture, they moved in the opposite direction. They trusted nature. They trusted people. They trusted that healthy ecosystems could solve problems that massive institutions couldn't.

Most people thought they were crazy. That sounds familiar.

Today, their farm is thriving.

At CrowdHealth, we've always felt a kinship with their story.

Healthcare, like farming, has become increasingly centralized, complex, and disconnected from the people it was created to serve. We've been told that skyrocketing costs, opaque pricing, endless bureaucracy, and middlemen are simply the price of modern healthcare.

We don't believe that.

Just as Apricot Lane Farms set out to regenerate the land, we're trying to regenerate healthcare creating a system built on community, transparency, and human connection.

It isn't easy. There are pests in farming and there are entrenched interests in healthcare. There are setbacks, skeptics, and days when the mountain feels impossibly steep.

But stories like The Biggest Little Farm remind us that meaningful change almost always starts with a handful of people willing to challenge the status quo.

So when we saw that they followed us on IG, we may have had a small fanboy moment. 😊

Thank you for showing the world what's possible when people stop asking, "How has it always been done?" and start asking, "What if there was a better way?"

Here's to healthier farms. And healthier healthcare.

The Crowd funded 2,990 bills in May

🏥 Illness & Chronic Conditions — 414 Cleft lip & palate Ovarian cysts OBGYN issues & women's health conditions GI illness Thyroid & hormonal conditions ENT issues Neurological episodes Seizures Cancer diagnoses

🩺 Annual Wellness & Preventive Care — 747 Annual wellness visits Biomarker lab panels Colonoscopies & mammograms Newborn wellness visits (0–6 months) Child wellness exams Preventive screenings & routine physicals

🤰 Pregnancy & New Life — 622 Pregnancy & OBGYN care NICU stays Newborn wellness visits Pelvic floor therapy Tongue tie & infant feeding support Child wellness visits

📱 Virtual Care & Mental Health — 412 Virtual talk therapy & mental health sessions Virtual primary care HealthTap urgent care Virtual follow-ups & consultations

🦴 Injuries & Orthopedics — 325 Neck injuries ACL tears Achilles ruptures Knee injuries & foot injuries Forearm fractures Hip replacements Sports injuries Motor vehicle accidents

🚑 Emergencies — 308 Emergency orthopedic events Seizures & infantile spasms Heart, liver & gallbladder emergencies Severe abdominal & chest pain Pneumonia, respiratory infections & ER visits Back injuries presenting as emergencies

⚡ Quarterly Specials & Longevity — 162 Tiny Health gut testing (Q2 Special) Longevity events

We recently applied for the Best Places to Work Award.

We lost.

Almost perfect scores in every category except...we don't provide health insurance.

Here is how your money was spent by other members in May

Here is how you money was spent by other members in May

The Crowd is rolling! June of 2026 will be about 7% lower than June of 2025.

Why are smokers, even if they quit more than a decade ago, not eligible for CrowdHealth?

Lung Cancer surgery charge:

(StreetRaceG8) If you have ever smoked tobacco daily for more than a year then unfortunately you are not eligible. Occasional cigars are fine.