CrowdHealth

What CrowdHealth does

CrowdHealth is a private, Austin, Texas-based membership platform founded in 2021 that operates as an alternative to traditional health insurance. Members pay a $60 per-person monthly advocacy fee and contribute a variable monthly amount (capped by age-tiered maximums of $140-$280 per person) into a community fund that crowdfunds other members' eligible medical bills. The platform combines bill negotiation (claiming discounts of 70-90% off original charges), a dedicated Care Advocate for each member, virtual primary care and urgent care via HealthTap, virtual talk therapy via BetterHelp, prescription discounts via MedalistRx, and an annual wellness benefit. Crowdfunding mechanics are executed through FDIC-insured accounts at Regent Bank, with payments processed via Stripe and Plaid. Two membership tiers are offered — Original (full benefits) and Black Swan (budget tier excluding maternity, virtual care, and wellness) — alongside add-on programs including the FOLD+ Bitcoin savings integration and a Longevity Discount Program offering up to 20% off for tracked health metrics.

Name

CrowdHealth

Legal name

CrowdHealth, Inc.

Website

https://joincrowdhealth.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Healthcare Crowdfunding / Alternative Health Insurance

NAICS

Health and Welfare Funds (525120)

SIC

Hospital & Medical Service Plans (6324)

akta.pro primary industry

Membership/Subscription Concierge Virtual Care (HLALAAAH)

Keywords

• Healthcare crowdfunding
• Medical bill negotiation
• Healthcare advocacy services
• Community health funding
• Alternative health insurance

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain

Revenue model

1. Monthly Advocacy Fee: Members pay a $60 per person per month advocacy fee for access to care advocacy tools, bill negotiation, care navigation, virtual care, prescription discounts, and the crowdfunding platform. This is CrowdHealth's primary recurring revenue stream.
2. Monthly Crowdfunding Contributions: Members contribute monthly amounts (up to their maximum based on age and plan) to crowdfund fellow members' medical bills. This is the core community funding mechanic, not direct revenue to CrowdHealth, but it funds the ecosystem and members' cost-sharing obligations. Maximum monthly crowdfunding ask ranges from $140 (under 55) to $340 (55+).

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels9 records

Core offering

CrowdHealth sells monthly memberships that give individuals and families access to a community-powered healthcare crowdfunding platform, personal Care Advocates, professional medical bill negotiation, virtual primary care, virtual talk therapy, prescription discounts, and a nationwide cash-pay doctor directory. Members contribute monthly advocacy fees plus capped crowdfunding amounts, and after a per-event Member Commitment, the platform crowdsources funding from fellow members to pay eligible medical bills.

Product overview

CrowdHealth operates as a membership-based crowdfunding platform and alternative to traditional health insurance. The core offering combines the CrowdHealth Core Membership platform with integrated services including Care Advocates for personalized support, Bill Negotiation for medical expense reduction, and a community crowdfunding system. The product portfolio includes multiple membership tiers (Original and Black Swan), add-on programs like the FOLD+ Bitcoin Savings Program and Longevity Discount Program, and specialized care services including virtual care through HealthTap, virtual therapy through BetterHelp, prescription discounts via MedalistRx, and maternity support. The platform provides tools for finding doctors, managing annual wellness, and accessing quarterly health specials, all connected through a mobile app and web portal with banking services provided by Regent Bank.

Differentiator

Problem solved

Functional benefit

Brands

• FOLD+ Bitcoin Savings Program: A Bitcoin savings program that allows members to automatically transfer the difference between their monthly crowdfunding maximum and actual contributions to a Fold+ Bitcoin account.

Products and services

• Original Membership The flagship CrowdHealth membership tier for individuals and families seeking a community-crowdfunded alternative to health insurance. Priced at $60/month advocacy fee plus a capped monthly crowdfunding contribution (up to $140 under 55; $280 for 55+; $420 family of 4+) and a $500 per-health-event Member Commitment ($3,000 for pregnancy). Includes Care Advocate support, bill negotiation, virtual primary care, virtual talk therapy, prescription discounts, maternity support, annual wellness, and quarterly specials.
• Black Swan Membership A lower-cost, catastrophe-focused membership tier for individuals and families willing to forgo routine and preventive benefits. Monthly advocacy fee is $25 under 55, $50 for 55+, or $75 family of 4+, plus a capped crowdfunding contribution ($85/$110/$315 respectively) and a $15,000 per-health-event Member Commitment. Excludes annual wellness, maternity support, unlimited virtual care, unlimited virtual talk therapy, and quarterly specials.
• Type 2 Diabetes Reversal Program (Exit Diabetes Pilot Program) A 6-month pilot program designed to help participants reverse Type 2 Diabetes through intensive nutrition intervention, coordinated medical support, accountability coaching, and transparent cash-pay pricing for insulin, continuous glucose monitors (CGMs), and lab work. Aims for lower A1c levels, sustained weight loss, and freedom from lifelong medication, positioned as a community-powered alternative to traditional chronic disease management.
• FOLD+ Bitcoin Savings Program A Bitcoin savings add-on where the difference between a member's maximum monthly crowdfunding ask and their actual contribution is automatically swept into a Fold+ Bitcoin savings account. CrowdHealth covers the FOLD+ subscription fee for enrolled members as long as their membership remains active, turning unused contribution headroom into long-term savings.
• Longevity Discount Program A health-incentive discount program offering up to 10-20% off the monthly membership cost for members who improve and track key health metrics. Aligns member behavior with cost discipline and reduces churn through ongoing engagement.

Quantifiable outcome

• $73,741,651 in estimated medical costs saved compared to traditional health insurance
• +6 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability2 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Regent BankcoreOthersRegent Bank provides FDIC-insured crowdfunding bank accounts for CrowdHealth members. Banking services are provided by Regent Bank, Member FDIC. Federal regulations require the bank to use members' Social Security numbers to verify identity. This is a critical infrastructure partnership enabling the crowdfunding payment mechanics.
• MedalistRxcoreTechnology or IntegrationMedalistRx provides prescription discount services to CrowdHealth members through a partnership that unlocks exclusive discounts on medications. Members access their prescription discount card through the CrowdHealth app.
• BetterHelpcoreTechnology or IntegrationBetterHelp provides unlimited virtual talk therapy sessions to CrowdHealth members as part of the membership. Licensed therapists are available for stress, anxiety, depression, and general support through virtual sessions, all eligible for crowdfunding.
• HealthTapcoreTechnology or IntegrationHealthTap provides AI-enabled virtual primary care and virtual urgent care services to CrowdHealth members through the CrowdHealth app. Members have unlimited virtual doctor visits available 24/7 in all 50 states. HealthTap also launched a Direct Virtual Primary Care for Organizations program in which CrowdHealth is an initial partner.
• Christian Healthcare Ministries (CHM)minorChannel Partner/ Reseller/ DistributorChristian Healthcare Ministries is an initial partner in HealthTap's Direct Virtual Primary Care for Organizations program, where CrowdHealth also participates. CHM members can access HealthTap's virtual care services. CHM reported that 96% of its members returned to the same primary care doctor through this program.
• Fold+ (Fold)coreStrategic or Co-development PartnerFold+ (Fold) is a Bitcoin savings platform integrated with CrowdHealth through the FOLD+ program. CrowdHealth automatically transfers the difference between a member's monthly crowdfunding maximum and their actual contribution directly to their Fold+ Bitcoin savings account. CrowdHealth covers the FOLD+ subscription cost for enrolled members as long as they remain members.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Sedera Health: Sedera is a non-faith-based health cost-sharing community that, like CrowdHealth, pools member contributions to cover large medical bills outside of traditional insurance. It is the closest secular analog to CrowdHealth's model and serves a similar self-pay, health-conscious consumer segment.
• Zion Health: Zion Health is a health cost-sharing community offering a community-funded medical bill sharing model. It competes directly with CrowdHealth for consumers seeking non-insurance healthcare financing alternatives.
• Samaritan Ministries: Samaritan Ministries is one of the oldest health-sharing ministries, organizing direct member-to-member sharing of medical bills. It serves as a faith-based alternative to insurance and competes for the same consumer demographic.
• Liberty HealthShare: Liberty HealthShare is a health cost-sharing ministry that pools member contributions to cover eligible medical expenses. It targets a similar insurance-alternative consumer and overlaps with CrowdHealth on the 'community-funded healthcare' value proposition.
• Christian Healthcare Ministries (CHM): CHM is one of the largest health cost-sharing ministries in the US and is both a competitor and a CrowdHealth channel partner through HealthTap. It serves a similar function—pooling member contributions to fund medical bills—though within a faith-based framework.
• Christian Care Ministry (Medi-Share): Medi-Share is one of the largest faith-based health-sharing ministries in the US, providing an alternative to health insurance through member-to-member bill sharing. It competes with CrowdHealth for the same consumer looking to leave traditional insurance.
• OneShare Health: OneShare Health is a health-sharing ministry that offers multiple plan tiers with pooled member contributions. It is a comparable community-funded healthcare alternative serving both individuals and employer groups.

Emerging players

• Stride Health: Stride Health is an online insurance marketplace and advisory platform helping individuals and small businesses find affordable health coverage. It addresses the same pain point of insurance complexity and dissatisfaction, though through a different distribution model.
• Knew Health: Knew Health is a newer entrant offering a secular health-sharing alternative with a digital-first experience, similar to CrowdHealth. Both target younger, health-conscious consumers seeking insurance alternatives.

Broad incumbents

• HealthEquity: HealthEquity is the largest US HSA custodian, providing tax-advantaged healthcare savings accounts that pair with high-deductible health plans. It represents a broader incumbent in the consumer-directed healthcare financing space adjacent to CrowdHealth's model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xmobile.twitter.com/joincrowdhealth
• Facebookfacebook.com/joincrowdhealth
• Instagraminstagram.com/joincrowdhealth
• TikToktiktok.com/@joincrowdhealth
• LinkedInlinkedin.com/company/joincrowdhealth

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds2 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CrowdHealth