Paying for health events is a stressful experience. Most people aren’t sure what their health insurance plan will cover, how much they’ll have to pay upfront and whether or not they are paying a fair price. This is because the centralized health insurance industry is not very transparent.CrowdHealth aims to disrupt the health insurance market by providing individuals and families an alternative way to pay for their healthcare cost. Providing its community members with better customer service, healthcare cost negotiation, and overall lower pricing with full transparency.How It WorksYou pay a $50 monthly fee for access to the CrowdHealth community, which provides you access to a suite of health care tools and a dedicated team of Personal Health Advocates who are there to help you navigate your health care decisions and negotiate bills on your behalf.Every month, you’ll be asked to assist another CrowdHealth community member with their health event. Your monthly cost is determined by your age and the size of your family.AGES 0-54: Up to $135/monthAGES 55-64: Up to $270/monthFAMILIES OF 4+: Up to $405/monthWhen facing health care expenses from injury, illness, pregnancy, or other health events, the CrowdHealth community steps in. Members contribute to cover your costs, and CrowdHealth’s platform handles the transfers. You can use this support for any medical expenses you have.Why It WorksThe incentive model that CrowdHealth has designed for its community ensures that monthly costs stay within a tight range, bills get negotiated lower, and they get paid in a timely manner. This combination creates lower overall costs compared to health insurance plans and a significantly better user experience that makes it so people actually want to participate.Pricing Comparision (we can use the data from the calculator)History Of Health InsuranceWhy Health Insurance Has Gotten So ExpensiveCentralization. Due to a lack of competition driven by government regulation, health insurance companies have grown to massive scale. This has allowed them to dictate higher prices while providing bad customer service.Why you don’t need Health InsuranceMany have been led to believe that the only way to pay for quality health care services is to do so via insurance plans. Nothing could be further from the truth. Health care services, like many other services that people purchase, are actually negotiable. The health care system doesn’t make this clear and most people don’t know how to navigate the process. CrowdHealth does know how to negotiate and by doing so are able to provide a more affordable health care option for their community members.Why Deductibles Are So HighI have no idea.Why Insurance Does Not Cover Every Medical BillI have no idea.How You Can See A Doctor Without Health Insurance Using CrowdhealthCrowdHealth has a network of partner doctors that they are partnered with and can connect you with if you are in need of finding a doctor. You can also choose your own doctor and have CrowdHealth negotiate pricing with them directly.How Does Crowdhealth Differ From A PPO PlanWhile CrowdHealth has built a network of doctors they work with community members are in no way forced to work directly with those doctors to get their medical bills paid for by the community. This differs from a PPO plan, which forces you to choose from a specific network of hospitals and physicians that are partnered with your health insurance provider and the specific plans they offer.How Does Crowdhealth Differ From A HMO PlanWhile CrowdHealth has built a network of doctors they work with community members are in no way forced to work directly with those doctors to get their medical bills paid for by the community. This differs from a HMO plan, which forces you to choose from a specific network of hospitals and physicians that are partnered with the Health Maintenance Organization and the specific plans they offer.