Tyler Todt

This is so good.

I signed up myself, my wife, and my 3 kids for CrowdHealth. My BCBS insurance premiums went up this month from $2,100 to $2,530 per month (over $30,000/year!) It’s detestable and repugnant and should be illegal for healthcare to be this expensive. So I’m leaving traditional health insurance in favor of something different, simpler, and allegedly more effective. I’ll share my experience here transparently as I know a lot of people are in similar positions. There are 2 plans available. With each there is a minimum commitment required per “health event” before crowdfunding kicks in. 1. Base plan: $500 minimum per health event 2. Black Swan plan: $15,000 minimum per health event I chose the base plan. Best way to describe that minimum commitment is that you’re basically just cash pay for your typical health care stuff, but if a health related need costs more than $500, CrowdHealth will cover the difference for qualifying events. The way this plan works for my family of five is that the most I'll ever pay per month is $745, which is a hard cap. It's based on the number of qualifying events in the community of other members in a given month, but it's more common that I'll pay closer to $571, which is the 12-month average for families of 5 on the same plan. In other words my monthly cost compared to insurance should be $2,000 less per month (which is $24k savings per year!!!) I did a deep dive on the CrowdHealth transparency reports, which they release every month for every single qualifying and disqualifying health event in the entire 50k member community, and I found the disqualifying health events in the last several months to all be very reasonable (you can find these transparency reports online if you’re interested). I can't speak to the actual level of care I'll receive or how easy it is to use if and when me or one of my family members gets sick or requires health intervention beyond the $500 minimum. But after speaking with a representative on their team and several other team members here on X, and a number of my friends who use CrowdHealth, I at least have a certain degree of confidence that everything is going to be okay. I'm more than happy to answer any questions you might have, although my experience is obviously very limited beyond simply signing up my family so far. Once I actually have to use the service for the first time, I will report here how it goes. Obviously the hope is that I won’t have a health event greater than $500 anytime soon but with three kids under 5, the odds are definitely greater than 0%! Good luck out there 🫡🙏

WOW, massive congrats on landing the PRH deal! Looks like an excellent, needed read!

It's that time again this week: TAKEDOWN TUESDAY! Our biggest barrier for most people is "What about the big one?" I.e. Cancer. The big ones happen but they are way way bigger if you have health insurance. Direct pay cuts these prices dramatically once you get rid of all of the middlemen. Member paid $500 The Crowd picked up $34,500 Exit the system. Save a bunch of money, and join CrowdHealth.

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