CrowdHealth Reviews

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CrowdHealth has become a popular choice for people looking for a health insurance alternative. But is it the best option around?

In this post, I am going to review monthly costs (range is dependent on age, individual/family memberships, and the Initial Unshareable Amount), preventative sharing, pre-existing conditions, maternity, turnaround time to pay medical bills, and any special considerations to be aware of.

Armed with that knowledge, you’ll be able to decide whether joining CrowdHealth is right for you or whether it might be better for you to look for an alternative. 

Let’s see what CrowdHealth has to offer and how it compares to health share plans!

About CrowdHealth

CrowdHealth is a fairly new company that started towards the end of 2021. However, despite its relatively short age, its community already has over 6,000 members, with new ones joining every day.  

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

The important thing to know, however, is that 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 $25 fee per person that goes towards administrative costs (the $25 fee is included in the quoted amount).

Key Facts about CrowdHealth

Company	CrowdHealth
Type of Company	Crowdfunding Platform
Founded In	2021
Headquarters	Austin, Texas
Website	joincrowdhealth.com
Health Share 101 Rating	5/5 (based on 2 reviews)

CrowdHealth vs. Traditional Health Shares

As stated, although it operates in a similar way, CrowdHealth isn’t a health share company. Here’s a breakdown of how CrowdHealth differs from traditional health share companies and ministries:

	CrowdHealth	Health Shares
Operational Model	Crowdfunding platform	Health care sharing ministries
Fund Collection	Members voluntarily contribute to crowdfunding requests, with a “Generosity Score” influencing future contributions	Members are required to contribute regularly, with participation contingent on contributions
Payment Timing	Crowdfunds expenses before procedures to cover costs upfront	Often requires members to pay large bills upfront and get reimbursed later
Wellness Visits	Crowdfunds one primary care, pediatric, or OBGYN visit per member per year, plus basic labs	Generally does not fund wellness visits
Care Support	Provides a personal Care Advocate for guidance and support	Typically leaves members to navigate the system on their own
Bill Negotiation	Negotiates health bills for members to obtain better rates	Members often need to negotiate bills themselves
Funding Limits	No maximum limit on crowdfunded bills (except for preexisting conditions)	Usually has maximum limits on health care needs (e.g., $250,000 per year or $1M lifetime)
Legal Status	For-profit organization	Non-profit organizations
Faith-Based	Not faith-based	Usually faith-based
Membership Requirements	No common religious beliefs, but a shared belief in finding high-quality, fairly priced healthcare	Members must have a common set of ethical or religious beliefs

How Does CrowdHealth Work?

CrowdHealth operates on a very straightforward, monthly subscription basis. Members pay $50 each month for their subscription, 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. 

Monthly Contribution Price Range

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 contribution price ranges from $175 to $695.

If you have 9 or more in your family, there are additional fees for the additional members on the plan. That information is not on their website, and it looks like you would have to contact the company for a personalized quote.

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. 

When you make healthy and smart spending choices, you and the whole Member Community benefit.

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 $5,000.

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. 

Preventative Sharing

One of the key advantages CrowdHealth has over traditional health shares is the possibility of the community funding wellness visits. Members receive one annual wellness visit per year, including routine lab work.

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

Maternity care has a unique Member Commitment of $5,000.

Medical expenses for childbirth that have an expected delivery date within the first 12 months of membership are not shareable.

Normal vaginal deliveries and emergency Cesarean section deliveries have a total Initial Unshareable Amount (IUA) of $5,000. Non-emergency/elective Cesarean section deliveries have a total IUA of $7,500. The standard IUA levels of $500 – $5,000 do not apply for Maternity Needs. 

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 ❌ The app isn’t necessarily user-friendly ❌ Some members complain about the billing system

Is Crowd Health Right for You? Key Considerations

Overall, I think CrowdHealth is an excellent option for those seeking a solid alternative to traditional health insurance and those who don’t necessarily meet stricter requirements imposed by health share ministries. 

I’ve read a lot of great stuff about the company, and based on my research, these praises seem well-deserved. 

Their crowdfunding model clearly works, offering fast turnaround times despite monthly contributions being voluntary. This means that their growing community cares about each other, and that’s what such plans should be all about.

On the other hand, CrowdHealth is still a new company. This isn’t a bad thing, but something to consider before joining. I’ve also read some complaints about their billing system and funding not being always transparent. 

All in all, though, it’s definitely an option to consider when looking for health insurance or a religious health share alternative. And if you’re still not sure whether CrowdHealth is the right fit for you, be sure to check out my guide to the best health share plans, including non-religious ones.

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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!