CrowdHealth Reviews

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A lot of people having been asking me about CrowdHealth lately, so I wanted to address some of my thoughts and concerns in this blog post.

If you are here on this blog post, you’ve probably seen their marketing efforts show that Insurance is the “bad guy” and “broken” – which is not something I will argue with. I think we would both agree that if someone is under 65 years old and healthy, health insurance is extremely expensive and not the best option for them.

About CrowdHealth

CrowdHealth is a for profit company that started in 2021. They now have a community of over 17,000 members (updated November 2025).

At first glance, they operate in the same way as health share companies, with members reimbursing each other medical bills and healthcare expenses. 

CrowdHealth is not a Health Share.

CrowdHealth is a for-profit company that has created a new way for people to share each other’s medical expenses, using a crowdfunding model to pay medical bills in the community. 

They are transparent about their pricing and state that 100% of the member’s contribution goes towards the community, but members are paying an additional $60 fee per person that goes towards administrative costs. This advocacy fee is a 140% increase from when it was just a $25 fee in 2021.

How Does CrowdHealth Work?

CrowdHealth operates on a very straightforward, monthly subscription basis. Members pay $60 each month for their Advocacy Fee, which grants them access to healthcare tools, resources, and a dedicated team of Personal Care Advocates. 

From there, each month, you’ll assist other members with their healthcare expenses and medical bills. You’re allowed to freely choose which requests you want to contribute to, with each fulfilled request building your Generosity Score. 

The higher it is, the more likely you are to have your future requests funded, with other members seeing you as an integral part of the community. 

How Much Does CrowdHealth Cost?

How much you pay each month depends on several factors, primarily your age and the number of subscribers in the plan. In most instances, the monthly price ranges from $195 to $860. These prices include the Advocacy Fee.

PLEASE NOTE: While the ACA Health Insurance plans have a “80/20” Rule, which requires insurance companies to spend at least 80% of the money they collect on premiums for healthcare costs and quality improvement activities.

Take a look at the Advocacy Fee ration and how much you are paying each month. CrowdHealth is taking anywhere from 30% to 53% of your money each month – this is more than health insurance companies.

This is why I recommend a non-profit health share where 90% of your money is going towards medical costs and only 10% is going towards administration costs.

But I also understand that may not be an issue for you, and many people seem to be pretty happy with being in “the crowd”.

CrowdHealth Costs for a Single Person (2025 Prices – The Advocacy Fee Goes up in 2026)

The cost is $195/month if you are under 55 years old.

The cost goes up to $335/month if you are 55 years or older.

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CrowdHealth Costs for a Family of Three:

The cost is $585/month if everyone in the household is under 55 years old.

The cost goes up to $725/month if ONE person is 55 years or older (for a family of 3)

The cost goes up to $865/month if TWO people are 55 years or older (for a family of 3)

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CrowdHealth Costs for a Family of Eight:

The cost is $860/month if everyone in the househould is under 55 years old.

The per-member contributions you see are monthly maximums. If you and the CrowdHealth Community spend less in a given month, your contribution can be lower than these numbers. These contributions are also voluntary and there’s no required monthly contribution as usually in the case of health share plans. The monthly Advocacy Fee is required.

Member Responsibility Amounts

Members have a $500 Member Commitment, which is the amount paid by the member per unique health event before expenses are eligible for funding by the community.

Maternity care has a unique Member Commitment of $3,000.

Member Requirements

Although CrowdHealth claims to be much more open than health share ministries, it does have several requirements potential members must meet to join the community. 

First and foremost, the CrowdHealth community does not accept tobacco users (which is defined as daily use for a period of 3 or more months – past or present). Secondly, they don’t accept those who are considered to be overweight (260 pounds for a female or 300 pounds for a male).

On the other hand, CrowdHealth is completely non-religious, accepting people of all faiths and beliefs. This is one of their main selling points and key reasons why so many are considering it as an alternative to health share ministries that typically require their members to meet strict religion-based requirements. 

Pre-Existing Conditions

For pre-existing health conditions, you are responsible for all costs associated with the condition(s) in the first year. 

The CrowdHealth Community will contribute up to $25,000 to bills related to pre-existing condition(s) in the second year, $50,000 in the third, and $100,000 in each year after.

Prescriptions are subject to the annual pre-existing condition maximums outlined above. 

Maternity

CrowdHealth treats your entire pregnancy—prenatal visits, labor and delivery, and postpartum care—as a single Global Pregnancy health event. You make one $3,000 Member Commitment, and the community can crowdfund the remaining eligible expenses.

Routine well-baby care (check-ups, immunizations, screenings) from birth through six months is its own health event. To qualify for crowdfunding, add your baby as a new Member within 30 days of birth.

If your newborn becomes ill or experiences complications (e.g., NICU stay), those bills are handled under a separate health event, distinct from standard wellness care.

Eligibility Timing Rules:

• 300-Day Rule: Maternity costs are not eligible for crowdfunding if the expected delivery date is less than 300 days after the mother’s Membership start date.
• Baby Enrollment Window: Babies may join the Crowd two weeks after birth (and must be added within 30 days to crowdfund newborn wellness).
• Pregnancies close to the 300-day cutoff may require an independent clinical review before expenses are approved for funding.

In short: One $3,000 commitment covers the entire pregnancy journey; routine newborn wellness and any complications each have their own crowdfunding events. Pregnancies due within 300 days of joining aren’t crowdfundable, and babies can be added two weeks after birth.

Turnaround Time for Paying Medical Bills

A typical turnaround time for CrowdHealth paying medical bills is 5-10 days from the moment you request funding. 

The whole crowdfunding process is very efficient and straightforward, which allows CrowdHealth to quickly collect all contributions and pay for requested expenses. 

As soon as the crowdfunding is finished, the company will notify you that your request has been funded and then handle the final transfer. All you have to do is request funding and wait!

CrowdHealth’s Pros & Cons

Pros	Cons
✅ No strict membership requirements common in health share ministries ✅ Voluntary monthly contributions ✅ Accepts members with pre-existing conditions ✅ Fast turnaround time for paying medical bills (5-10 days) ✅ No religious requirements ✅ Can help fund wellness visits ✅ A massive range of resources Access to a dedicated team of Personal Care Advocates	❌ Doesn’t accept obese people ❌ High maternity member responsibility amount ❌ Some members complain about the billing system

Is CrowdHealth Right for You? Key Considerations

I attended a webinar earlier this year where I heard CrowdHealth bring up Health Shares. They say that they have caps/limits (not all of them do), that they have religious requirements (not all of them do), and that they take a long time to pay medical bills (again – not all of them are like this). This cherry-picking language about another alternative to health insurance is not helpful to the “alternative to health insurance” community.

I think we can work together. Support each other in our efforts to provide people with a powerful paradigm shift for people who want to find something else outside of health insurance. But let’s not forget that there are amazing health shares that have paid BILLIONS in medical expenses for their members over the last 40+ years.

Look, if you are looking for affordable healthcare outside of traditional health insurance, I recommend reading my post about the best health shares. I talk about health shares that have no caps/limits on sharing, that don’t require any religious affiliation to join, and pay their member’s medical bills quickly.

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Write a CrowdHealth Review

Are you a current or former member of CrowdHealth? If you have any experience with CrowdHealth, please write a review! Reading other people’s experiences is a huge when trying to make a decision about which company to join. In fact, over 90% of people will read online reviews before they buy a product or service! Please consider writing a review!

Health shares are not insurance and do not offer insurance coverage. Membership in a health share does not guarantee the payment or reimbursement of medical expenses. Each organization operates under its own membership guidelines, which determine what expenses may be eligible for sharing. This publication is for informational purposes only and is not provided by an insurance company. For state-specific notices and full program details, please visit the respective health share’s official website.