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So They Started Paying For Each Other’s Care.</h1></div><div class="flex items-center gap-4"><ul class="flex gap-2"><li><a class="inline-flex items-center justify-center gap-2 whitespace-nowrap transition-colors focus-visible:border-transparent disabled:pointer-events-none support:hover:cursor-pointer focus-visible:outline focus-visible:outline-black-coffee focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:shadow-focus-color rounded-sm border px-2.5 py-1.5 font-graphik-compact text-cta-small uppercase rounded-2 border-warm-grey-2 bg-transparent text-black-coffee support:hover:bg-warm-grey-2" href="/section/health/">Health</a></li><li><a class="inline-flex items-center justify-center gap-2 whitespace-nowrap transition-colors focus-visible:border-transparent disabled:pointer-events-none support:hover:cursor-pointer focus-visible:outline focus-visible:outline-black-coffee focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:shadow-focus-color rounded-sm 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10.9993L13.6667 5.16602V8.49935C7.83333 9.33268 5.33333 13.4993 4.5 17.666C6.58333 14.7493 9.5 13.416 13.6667 13.416V16.8327L19.5 10.9993Z" fill="#FCF3ED"></path></g><defs><clipPath id="clip0_3879_3644"><rect width="24" height="24" rx="12" fill="white"></rect></clipPath></defs></svg></button></div><div class="hidden border-t pt-4 lg:flex lg:max-w-[26rem] border-warm-grey-2"><div class="flex flex-col gap-4"><div class="flex flex-row items-center gap-2"><div class="flex flex-col"><span class="relative flex shrink-0 size-12 overflow-hidden rounded-full"><img alt="Alana Semuels" loading="lazy" width="72" height="72" decoding="async" data-nimg="1" class="aspect-square h-full w-full object-cover" style="color:transparent" srcSet="https://api.time.com/wp-content/uploads/2020/05/asheadshot-bw.jpg?quality=85&w=72&crop=1&q=85&h=72 1x, https://api.time.com/wp-content/uploads/2020/05/asheadshot-bw.jpg?quality=85&w=72&crop=1&q=85&h=72 2x" src="https://api.time.com/wp-content/uploads/2020/05/asheadshot-bw.jpg?quality=85&w=72&crop=1&q=85&h=72"/></span></div><div><div class="mb-1 font-graphik-compact text-t4 text-black-coffee flex"><span class="mr-1">by </span><div><a class="underline hover:text-brand-red focus-visible:outline focus-visible:outline-black-coffee focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:shadow-focus-color" href="/author/alana-semuels/">Alana Semuels</a></div></div><p class="font-graphik-compact text-metadata uppercase text-grey-1">Senior Correspondent</p></div></div></div></div></div><div class="col-span-full my-auto lg:col-span-7"><div class="mt-6 lg:my-0"><figure class="mx-auto max-w-[26.4375rem]"><div><div class="m-auto flex w-full bg-black-coffee"><div id="jwplayer-:R399ljtttqcq:"></div></div></div></figure></div></div><div class="col-span-full mt-6 lg:hidden"><div class="border-t pt-4 border-warm-grey-2"><div class="flex flex-col gap-4"><div class="flex flex-row items-center gap-2"><div class="flex flex-col"><span class="relative flex shrink-0 size-12 overflow-hidden rounded-full"><img alt="Alana Semuels" loading="lazy" width="72" height="72" decoding="async" data-nimg="1" class="aspect-square h-full w-full object-cover" style="color:transparent" srcSet="https://api.time.com/wp-content/uploads/2020/05/asheadshot-bw.jpg?quality=85&w=72&crop=1&q=85&h=72 1x, https://api.time.com/wp-content/uploads/2020/05/asheadshot-bw.jpg?quality=85&w=72&crop=1&q=85&h=72 2x" src="https://api.time.com/wp-content/uploads/2020/05/asheadshot-bw.jpg?quality=85&w=72&crop=1&q=85&h=72"/></span></div><div><div class="mb-1 font-graphik-compact text-t4 text-black-coffee flex"><span class="mr-1">by </span><div><a class="underline hover:text-brand-red focus-visible:outline focus-visible:outline-black-coffee focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:shadow-focus-color" href="/author/alana-semuels/">Alana Semuels</a></div></div><p class="font-graphik-compact text-metadata uppercase text-grey-1">Senior Correspondent</p></div></div></div></div></div></div></div></section><div class="lg:px-20 container mx-auto max-w-[90rem] px-6"><div class="grid grid-cols-4 gap-x-4 lg:grid-cols-12"><div class="col-span-full lg:col-span-7"><article class="pb-8 lg:pt-10 lg:pb-0"><div class="mb-8"><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 min-h-[6.375rem] lg:min-h-[4.75rem] text-left"><span class="leading-[0.82] pt-2 lg:pt-0 font-medium float-left uppercase font-editorial text-[6.25rem] lg:text-[5.625rem] mr-4">W</span>hen Geoff Perlman’s 20-year-old son broke his arm in December 2022, the bill was paid by strangers who chipped in to cover the costs. </p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left">And rather than paying a monthly premium to a health care company, Perlman writes a check each month, never exceeding $420 for his family of four, to foot strangers’ health care bills, covering part of a pregnancy for one family or chemotherapy for another. </p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left">Perlman, a 61-year-old tech CEO from Austin, Texas, is a member of CrowdHealth, a health care startup that seeks to replace health insurance with a crowd-funding model that the company says lowers costs and diverts money from insurance conglomerates to real people. Perlman likes the company because he says it sidesteps insurers’ incentive to deny claims and seek profit, while erasing patients’ ignorance about what health care actually costs.</p></div><div class="mb-8"><div class="overflow-hidden py-4 block lg:hidden"><p class="mb-2 text-center font-graphik-compact text-caption-small italic text-grey-1">Advertisement</p><div class="webflix-player-container component"><div class="webflix-reel" data-partner-key="1d483486-fd58-4aac-bfc2-d711b4ced387" data-property-key="68045ddd-9c78-4646-87d8-3858555b3f5f"></div></div></div><div class="overflow-hidden py-4 hidden min-h-[16.3125rem] lg:block"><p class="mb-2 text-center font-graphik-compact text-caption-small italic text-grey-1">Advertisement</p><div class="mx-auto max-w-[26rem]"><div id="8767e06e877e4f5cb97576f8fd874f99"></div></div></div></div><div class="mb-8"><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left">“You have a feeling you’re part of a community and you’re looking out for them,” says Perlman. “It feels like the money I am paying is helping other people.” </p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left">CrowdHealth, which was founded in 2021, offers a new take on an old idea. For decades, religious health-sharing ministries with names like Medi-Share and Samaritan Ministries have asked communities to pitch in for the medical bills of strangers. CrowdHealth has no spiritual affiliation; it’s a peer-to-peer financial-technology company that allows its roughly 10,000 paying members to make payments toward fellow members’ medical expenses. </p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left">To join, members pay an administrative fee of about $55 a month. Each month, they get a message from CrowdHealth informing them that another member needs financial assistance for a specific medical issue. Members can agree to pay their share of the bill, which doesn’t exceed $140 per month for a single person under 55, or $420 for a family of four. Or they can decline—at the cost of eroding their rating on CrowdHealth’s site, making it less likely that fellow members will contribute to their own needs. </p></div><div class=""><div class="overflow-hidden p-0 mb-0"><div class="native-ad flex w-full flex-col items-center justify-center"><div id="native-ad-inline-1" class="flex min-h-px w-full min-w-px max-w-[100vw] items-center justify-center overflow-hidden bg-transparent text-center group-[.disable-ads]:hidden print:hidden flex mb-0" aria-labelledby="complementary" aria-label="Advertisement" data-native="false" role="region"></div></div></div></div><div class="mb-8"><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left"><strong>Read More: </strong><em><a href="https://time.com/7210717/food-additives-us-fda-banned-europe/">Why Some Food Additives Banned in Europe Are Still on U.S. Shelves.</a></em></p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left">When a member has a health care expense, they’re instructed to pay in cash, or tell a hospital that they are a self-pay customer, save the receipts, and submit them to CrowdHealth for compensation. (CrowdHealth sometimes negotiates the price of planned labs or procedures ahead of time.) The company says it covers 99.8% of claims, though it does not specify what exactly is counted in that statistic. </p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left">What draws people to CrowdHealth is deep discontent with the U.S. health insurance system. The share of Americans who said that the quality of health care in the U.S. is excellent or good—44%—is the lowest since at least 2001, according to a December Gallup poll. Even many of those with good insurance coverage are frustrated at the system’s perverse incentives, byzantine regulations, and opaque processes. It’s this frustration, in part, that led to a groundswell of public support for <a href="https://time.com/7201952/luigi-mangione-internet-myths-essay/">Luigi Mangione</a>, who was charged with first-degree murder in December for allegedly gunning down UnitedHealthcare CEO Brian Thompson in Manhattan. (Mangione has <a href="https://www.nytimes.com/2024/12/23/nyregion/luigi-mangione-arraignment.html">pleaded not guilty.</a>) </p></div><div class=""><div class="overflow-hidden p-0 mb-0"><div id="inline-ad-1" class="flex min-h-px w-full min-w-px max-w-[100vw] items-center justify-center bg-transparent text-center group-[.disable-ads]:hidden print:hidden flex mb-0" aria-labelledby="complementary" aria-label="Advertisement" data-native="false" role="region"></div></div></div><div class="mb-8"><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left">“There’s certainly a growing voice of people saying, ‘What do we need health insurance for if it’s just denying care?’” says Michelle Long, senior policy manager at KFF, a health care research group. </p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left"><strong>Read More:</strong> <a href="https://time.com/7260357/aging-workforce/"><em>For Many of America's Aging Workers, 'Retirement Is a Distant Dream'</em></a></p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left">For better or worse, CrowdHealth is not health insurance, and there are caveats to the coverage it will provide. CrowdHealth won’t pay for procedures related to preexisting conditions, including pregnancy, until you have been a member for nine months. They won’t accept smokers, heavier individuals, or anyone age 65 and over. It doesn’t cover long-term prescription or fertility treatment. And the company expects members to spend time on the phone with medical providers negotiating a cash price, as well as sometimes putting money up front to pay the bill before waiting for reimbursement. There is no guarantee that CrowdHealth will pay for your medical procedures.</p></div><div class=""><div class="overflow-hidden p-0 mb-0"><div id="inline-ad-2" class="flex min-h-px w-full min-w-px max-w-[100vw] items-center justify-center bg-transparent text-center group-[.disable-ads]:hidden print:hidden flex mb-0" aria-labelledby="complementary" aria-label="Advertisement" data-native="false" role="region"></div></div></div><div class="mb-8"><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left">Still, for some people, the idea of health-care sharing is more appealing than dealing with insurance companies. “What resonates with people is that they’re just tired of health insurance. They’re tired of these bills and these claims getting denied,” says Andy Schoonover, the CEO and founder of CrowdHealth. </p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left">Schoonover says his own frustrations with health insurance motivated him to create CrowdHealth. After he sold a company and lost his employer-sponsored health insurance, he went on the health care marketplace and purchased insurance for himself, his wife, and two children, paying about $1,200 per month. </p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left">Like many Americans, Schoonover had a plan through the Affordable Care Act, which dramatically expanded access to health care in America. But many consumers have reported problems getting claims approved through these plans. Nationwide, about 20% of claims through healthcare.gov insurers were denied in 2023, <a href="https://www.kff.org/affordable-care-act/press-release/healthcare-gov-insurers-denied-nearly-1-in-5-in-network-claims-in-2023-but-information-about-reasons-is-limited-in-public-data/">according to a KFF analysis</a>. </p></div><div class=""><div class="overflow-hidden p-0 mb-0"><div id="inline-ad-3" class="flex min-h-px w-full min-w-px max-w-[100vw] items-center justify-center bg-transparent text-center group-[.disable-ads]:hidden print:hidden flex mb-0" aria-labelledby="complementary" aria-label="Advertisement" data-native="false" role="region"></div></div></div><div class="mb-8"><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left">Schoonover says that his insurer refused to pay $8,000 for ear tubes to treat his one-year-old’s recurring ear infections—a treatment doctors said was medically necessary, but the insurer said was not. So Schoonover started thinking about alternatives.</p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left">“I said to them, ‘Look, if you’re not willing to pay my bills, I won’t pay your bill,’” he recalls. He dropped his insurance, started to pay cash for procedures, and began looking at better ways to cover health care bills without insurance. </p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left">Schoonover says he was surprised how much money he could save by offering to pay cash rather than offering up his insurance card, since he spared doctor’s offices administrative costs. But that still left the question of how to cover the crushing fees of a major health problem like cancer. That’s where the idea of CrowdHealth came in.</p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left">“My next thought was, ‘If I could get a group of people willing to go the same route as me, then there could be others out there to help me in the case of a large medical event,” he says. </p></div><div class=""><div class="overflow-hidden p-0 mb-0"><div id="inline-ad-4" class="flex min-h-px w-full min-w-px max-w-[100vw] items-center justify-center bg-transparent text-center group-[.disable-ads]:hidden print:hidden flex mb-0" aria-labelledby="complementary" aria-label="Advertisement" data-native="false" role="region"></div></div></div><div class="mb-8"><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left"><strong>Read More:</strong> <a href="https://time.com/7206759/medical-credit-cards/"><em>How Doctors Are Pushing Medical Credit Cards on Patients</em></a></p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left">Schoonover took to dozens of podcasts—many of which focused on Bitcoin or cryptocurrency—to promote CrowdHealth, in search of an audience already thinking of alternatives to current systems. One of them was Kyle Ward, now 33, who had gone without health insurance for 10 years after realizing that he wasn’t using his employer-sponsored health insurance yet was paying hundreds of dollars a month for coverage. </p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left">Ward had weighed the pros and cons of going without health care, and when the Affordable Care Act came out, he and his wife thought about signing up for a plan. But on his $44,000 per year salary, a premium of $300 per month plus a $7,000 deductible didn’t seem worth the money, he says. He and his wife decided it was a better financial decision to invest the money they would otherwise spend on health insurance and just pay cash for health expenses. </p></div><div class=""><div class="overflow-hidden p-0 mb-0"><div id="inline-ad-5" class="flex min-h-px w-full min-w-px max-w-[100vw] items-center justify-center bg-transparent text-center group-[.disable-ads]:hidden print:hidden flex mb-0" aria-labelledby="complementary" aria-label="Advertisement" data-native="false" role="region"></div></div></div><div class="mb-8"><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left">Doing so led to significant discounts, according to Ward, who says a doctor’s visit near where he lives in rural Texas was $80 if he paid cash, while his wife’s asthma medication was about $280 every three months. A gallbladder surgery that he had been told would cost $34,000 through insurance went down to $8,000 when he offered to pay cash, Ward says. Childbirth was $6,000 through a midwife who took cash.</p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left">But Ward was still worried about catastrophic health events. So when he heard about CrowdHealth, he decided to sign up. It wasn’t a perfect solution. Ward has a preexisting condition that requires frequent colonoscopies, and he knew that CrowdHealth would not cover those. But CrowdHealth helped him find a place willing to do the procedure for $950 cash, he says, and he figured that CrowdHealth was still worth it. </p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left">“Traditional health insurance is not working,” he says. “Maybe I’ve bought into the sales pitch, but CrowdHealth makes sense to me financially and morally—and it really feels like they want to do good.” </p></div><div class=""><div class="overflow-hidden p-0 mb-0"><div id="inline-ad-6" class="flex min-h-px w-full min-w-px max-w-[100vw] items-center justify-center bg-transparent text-center group-[.disable-ads]:hidden print:hidden flex mb-0" aria-labelledby="complementary" aria-label="Advertisement" data-native="false" role="region"></div></div></div><div class="mb-8"><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left"><strong>Read More: </strong><em><a href="https://time.com/7024080/why-you-cant-find-a-pediatrician/">Why You Can't Find a Pediatrician.</a></em></p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left">CrowdHealth appears to be popular with users—on the website <a href="https://www.trustpilot.com/review/joincrowdhealth.com">Trustpilot</a>, it received 4.8 stars out of 5, with 411 reviews. But it won’t be the right solution for many families. It is not regulated like health insurance, and so if your claim is denied, there’s no regulator to turn to. </p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left">Caroline Niziol was a member of Medi-Share, one of the largest religious health-sharing ministries, from 2015 to 2017. It saved Niziol’s family a lot of money: Medi-share cost them around $350 per month, while their traditional health insurance premium was around $850. But the ministry did not cover vaccines, physical therapy, or mental health care, and had an annual household ceiling for medical costs. </p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left">When her husband had a procedure related to a chronic health condition that cost $10,000, Medi-Share refused to cover it, Niziol says, even though she believes they should have. Niziol says she had to argue with Medi-Share for months to get it covered, as she did when her newborn baby ended up in the emergency room.</p></div><div class=""><div class="overflow-hidden p-0 mb-0"><div id="inline-ad-7" class="flex min-h-px w-full min-w-px max-w-[100vw] items-center justify-center bg-transparent text-center group-[.disable-ads]:hidden print:hidden flex mb-0" aria-labelledby="complementary" aria-label="Advertisement" data-native="false" role="region"></div></div></div><div class="mb-8"><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left">“I kind of feel like you get what you pay for,” she says. "It can really be a time suck.” </p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left">Medi-Share, which has 336,000 individual members, said in a statement to TIME that 80% of all bills are processed in 30 days or less. Member-voted guidelines govern what is and is not eligible for sharing, the company says, and these guidelines stipulate that there is no annual or lifetime limit on eligible medical bills. Medi-Share also says that physical therapy is eligible for sharing for up to 20 visits combined, and short-term counseling services are available by phone through Medi-Share's telebehavioral health service. </p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left">CrowdHealth is small relative to religious health care sharing ministries; the <a href="https://ahcsm.org/about-us/data-and-statistics/">Alliance of Health Care Sharing Ministries</a> counts nearly 700,000 members. The unregulated nature of these health-sharing companies has drawn attention from some states. In 2022, <a href="https://leg.colorado.gov/bills/hb21-1135">Colorado passed a law</a> that requires health-sharing ministries and medical cost-sharing communities to report specific information to the commissioner of insurance regarding financial operations, membership, and medical bills submitted, paid, and denied in the state. It also required these communities to provide certain disclosures to members and respond to requests for payment of medical expenses without a specific period of time. </p></div><div class=""><div class="overflow-hidden p-0 mb-0"><div id="inline-ad-8" class="flex min-h-px w-full min-w-px max-w-[100vw] items-center justify-center bg-transparent text-center group-[.disable-ads]:hidden print:hidden flex mb-0" aria-labelledby="complementary" aria-label="Advertisement" data-native="false" role="region"></div></div></div><div class="mb-8"><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left">Susan Lontine, the former Democratic legislator who sponsored the bill, says she introduced it because some Colorado residents had thought their health care expenses would be covered by these ministries and were surprised to find out they were not. “We were just trying to get a handle on who these entities were,” Lontine says. </p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left">The Alliance of Health Care Sharing Ministries <a href="https://www.courthousenews.com/wp-content/uploads/2024/05/alliance-of-health-sharing-ministries-v-colorado-division-of-insurance-complaint-district-of-colorado.pdf">sued the Colorado Division of Insurance</a> over the law in May 2024, arguing that it deprives their members the right to exercise their religious liberty in the health care system. In the lawsuit, the alliance says that 33 states have enacted safe harbor laws clarifying that health care sharing ministries are exempt from the state insurance code. Four additional states have allowed them to operate exempt from the insurance code by providing members exemptions from state health insurance mandates. </p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left"><strong>Read More:</strong> <a href="https://time.com/7022116/pharmacies-struggling/"><em>Why Your Pharmacy Experience is Miserable</em></a>.</p></div><div class=""><div class="overflow-hidden p-0 mb-0"><div id="inline-ad-9" class="flex min-h-px w-full min-w-px max-w-[100vw] items-center justify-center bg-transparent text-center group-[.disable-ads]:hidden print:hidden flex mb-0" aria-labelledby="complementary" aria-label="Advertisement" data-native="false" role="region"></div></div></div><div class="mb-8"><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left">Health care experts say that people should thoroughly research their options before signing up for health sharing. Many people might qualify for free or low-cost plans through the Affordable Care Act; research by KFF suggests that about 5 million people who didn’t have insurance in 2023 could have gotten a plan through the ACA that was <a href="https://www.kff.org/policy-watch/millions-of-uninsured-people-can-get-free-aca-plans/">essentially free</a> due to available subsidies. Experts also caution that people should think twice about giving up on health insurance because they’re healthy and they think they will continue to stay that way. “You just can’t anticipate everything that will happen,” says Long of KFF. </p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left">For some people, though, having an alternative to traditional health insurance is revolutionary enough. Geoff Perlman, the CrowdHealth member whose son broke his arm, says the cost savings alone are worth it to him. As a CEO of a tech company, Perlman knows a lot about the cost of health care. He offered UnitedHealthcare to his employees, and was on the plan for a while, paying about $2,000 per month in premiums for his family of four. He then switched to Liberty, a health-sharing ministry, in 2017, paying about $1,000 a month. When his wife got breast cancer in 2020, he says, Liberty paid every bill, even negotiating $1.2 million in total costs down to $217,000, which it paid. </p></div><div class=""><div class="overflow-hidden p-0 mb-0"><div id="inline-ad-10" class="flex min-h-px w-full min-w-px max-w-[100vw] items-center justify-center bg-transparent text-center group-[.disable-ads]:hidden print:hidden flex mb-0" aria-labelledby="complementary" aria-label="Advertisement" data-native="false" role="region"></div></div></div><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left">Then Liberty raised its prices, Perlman says, and he stumbled across CrowdHealth. His family of four now pays a membership fee of about $226 a month, plus anywhere from $185 to $386 per month for the medical bills of others. He says his payments have gone down by about one-third since he signed up in July 2022. </p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left">Perlman is such a fan that although he offers all eight of his employees United Healthcare, he also offers an alternative: they can receive a stipend and make arrangements for themselves, either going onto healthcare.gov and picking a plan there, or joining a health care ministry. Every single employee, he reports, has decided to take the stipend rather than sticking with employer-sponsored health insurance.</p><p class="self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left"><strong>Correction, March 20: </strong><em>The original version of this story misstated how long people have to be members of<strong> </strong>CrowdHealth in order to have<strong> </strong>procedures related to pregnancy covered. 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0.547735 63.9962 0.536778 65.3583 0.531299C67.5837 0.520342 69.4783 0.503906 70.2239 0.503906H70.5602V0.629914C70.5602 0.777835 70.5546 1.04629 70.5546 1.36952C70.5602 2.37758 70.5882 3.96637 70.5882 4.48136H70.2743L70.2687 4.33891C70.2351 3.98281 70.1678 2.9857 70.0837 2.14748C70.0781 2.07078 70.0613 2.016 70.0613 2.016C69.8763 2.01052 69.114 1.9886 69.1028 1.97764C69.0916 1.96669 68.4862 1.96121 68.4694 1.95573C68.4638 1.95573 66.4738 1.94477 64.4278 1.93929C63.0265 1.93929 61.6531 1.94477 60.8067 1.94477C60.6161 1.95025 59.8706 1.97217 59.8706 1.97217Z" fill="white"></path></g><defs><clipPath id="clip0_5035_44915"><rect width="70.6174" height="20.3146" fill="white" transform="translate(0.190674 0.504028)"></rect></clipPath></defs></svg></a></div><div class="grid grid-cols-4 gap-x-4 lg:grid-cols-12 border-[3px] border-white/30 px-6 pb-4 pt-10 lg:gap-x-10 lg:px-0 lg:py-10"><div class="col-span-full lg:col-span-10 lg:col-start-2 lg:grid lg:grid-cols-12 lg:gap-x-10"><div 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href="/section/politics/">Politics</a></div></li><li class="mb-5 flex items-stretch last:mb-0"><div><a class="focus-visible:outline focus-visible:outline-black-coffee focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:shadow-focus-color border-b border-transparent font-graphik text-body-large transition-colors hover:underline" href="/section/health/">Health</a></div></li><li class="mb-5 flex items-stretch last:mb-0"><div><a class="focus-visible:outline focus-visible:outline-black-coffee focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:shadow-focus-color border-b border-transparent font-graphik text-body-large transition-colors hover:underline" href="/tag/ai/">AI</a></div></li><li class="mb-5 flex items-stretch last:mb-0"><div><a class="focus-visible:outline focus-visible:outline-black-coffee focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:shadow-focus-color border-b border-transparent font-graphik text-body-large 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href="/vault/">The TIME Vault</a></div></li><li class="mb-5 flex items-stretch last:mb-0"><div><a class="focus-visible:outline focus-visible:outline-black-coffee focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:shadow-focus-color border-b border-transparent font-graphik text-body-large transition-colors hover:underline" href="https://www.timeforkids.com">TIME For Kids</a></div></li></ul><ul><li class="mb-5 flex items-stretch last:mb-0"><div><a class="focus-visible:outline focus-visible:outline-black-coffee focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:shadow-focus-color border-b border-transparent font-graphik text-body-large transition-colors hover:underline" href="/collection/time-co2-futures/">TIME Futures</a></div></li><li class="mb-5 flex items-stretch last:mb-0"><div><a class="focus-visible:outline focus-visible:outline-black-coffee focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:shadow-focus-color border-b 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last:mb-0"><div><a class="focus-visible:outline focus-visible:outline-black-coffee focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:shadow-focus-color border-b border-transparent font-graphik text-body-large transition-colors hover:underline" href="/section/press-room/">Press Room</a></div></li><li class="mb-5 flex items-stretch last:mb-0"><div><a class="focus-visible:outline focus-visible:outline-black-coffee focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:shadow-focus-color border-b border-transparent font-graphik text-body-large transition-colors hover:underline" href="/mediakit/">Media Kit</a></div></li><li class="mb-5 flex items-stretch last:mb-0"><div><a class="focus-visible:outline focus-visible:outline-black-coffee focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:shadow-focus-color border-b border-transparent font-graphik text-body-large transition-colors hover:underline" href="https://www.parsintl.com/publication/time">Reprints & Permissions</a></div></li></ul><ul><li class="mb-5 flex items-stretch last:mb-0"><div><a class="focus-visible:outline focus-visible:outline-black-coffee focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:shadow-focus-color border-b border-transparent font-graphik text-body-large transition-colors hover:underline" href="/partnercontent/">Supplied Partner Content</a></div></li><li class="mb-5 flex items-stretch last:mb-0"><div><a class="focus-visible:outline focus-visible:outline-black-coffee focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:shadow-focus-color border-b border-transparent font-graphik text-body-large transition-colors hover:underline" href="/time-masthead/">Masthead</a></div></li><li class="mb-5 flex items-stretch last:mb-0"><div><a class="focus-visible:outline focus-visible:outline-black-coffee focus-visible:outline-2 focus-visible:outline-offset-2 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lg:col-span-3 lg:mb-0 lg:border-0 lg:pb-0"><h2 class="text-center font-editorial text-h5 text-ivory-white lg:border-b lg:border-grey-1 lg:pb-4 lg:text-start">Your Subscriptions</h2><div class="mt-6 grid grid-cols-2 gap-x-4 lg:mb-0 lg:mt-4 lg:grid-cols-1 lg:gap-y-5"><ul><li class="mb-5 flex items-stretch last:mb-0"><div><a class="focus-visible:outline focus-visible:outline-black-coffee focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:shadow-focus-color border-b border-transparent font-graphik text-body-large transition-colors hover:underline" href="/subscribe-footer-time/">Subscribe</a></div></li><li class="mb-5 flex items-stretch last:mb-0"><div><a class="focus-visible:outline focus-visible:outline-black-coffee focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:shadow-focus-color border-b border-transparent font-graphik text-body-large transition-colors hover:underline" href="https://geo.ema.gs/time_digital">Access My Digital Magazine</a></div></li><li class="mb-5 flex items-stretch last:mb-0"><div><a class="focus-visible:outline focus-visible:outline-black-coffee focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:shadow-focus-color border-b border-transparent font-graphik text-body-large transition-colors hover:underline" href="https://support.time.com/">Manage My Subscription </a></div></li><li class="mb-5 flex items-stretch last:mb-0"><div><a class="focus-visible:outline focus-visible:outline-black-coffee focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:shadow-focus-color border-b border-transparent font-graphik text-body-large transition-colors hover:underline" href="https://support.time.com">Global Help Center</a></div></li></ul><ul><li class="mb-5 flex items-stretch last:mb-0"><div><a class="focus-visible:outline focus-visible:outline-black-coffee focus-visible:outline-2 focus-visible:outline-offset-2 focus-visible:shadow-focus-color border-b border-transparent 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Perlman likes the company because he says it sidesteps insurers’ incentive to deny claims and seek profit, while erasing patients’ ignorance about what health care actually costs.\"}}]}]]}],[\"$\",\"div\",\"block-group-1\",{\"className\":\"mb-8\",\"children\":[[\"$\",\"$32\",\"inner-block-custom/ad-player-0\",{\"children\":[[\"$\",\"div\",null,{\"className\":\"overflow-hidden py-4 block lg:hidden\",\"children\":[[\"$\",\"p\",null,{\"className\":\"mb-2 text-center font-graphik-compact text-caption-small italic text-grey-1\",\"children\":\"Advertisement\"}],[\"$\",\"$L33\",null,{}]]}],[\"$\",\"div\",null,{\"className\":\"overflow-hidden py-4 hidden min-h-[16.3125rem] lg:block\",\"children\":[[\"$\",\"p\",null,{\"className\":\"mb-2 text-center font-graphik-compact text-caption-small italic text-grey-1\",\"children\":\"Advertisement\"}],[\"$\",\"$L34\",null,{}]]}]]}]]}],[\"$\",\"div\",\"block-group-2\",{\"className\":\"mb-8\",\"children\":[[\"$\",\"$32\",\"inner-block-core/paragraph-0\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"“You have a feeling you’re part of a community and you’re looking out for them,” says Perlman. “It feels like the money I am paying is helping other people.” \"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-1\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"CrowdHealth, which was founded in 2021, offers a new take on an old idea. For decades, religious health-sharing ministries with names like Medi-Share and Samaritan Ministries have asked communities to pitch in for the medical bills of strangers. CrowdHealth has no spiritual affiliation; it’s a peer-to-peer financial-technology company that allows its roughly 10,000 paying members to make payments toward fellow members’ medical expenses.\u0026nbsp;\"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-2\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"To join, members pay an administrative fee of about $55 a month. Each month, they get a message from CrowdHealth informing them that another member needs financial assistance for a specific medical issue. Members can agree to pay their share of the bill, which doesn’t exceed $140 per month for a single person under 55, or $420 for a family of four. Or they can decline—at the cost of eroding their rating on CrowdHealth’s site, making it less likely that fellow members will contribute to their own needs. \"}}]}]]}],[\"$\",\"div\",\"block-group-3\",{\"className\":\"\",\"children\":[[\"$\",\"$32\",\"inner-block-custom/ad-0\",{\"children\":[\"$\",\"$L16\",null,{\"block\":{\"name\":\"custom/ad\",\"id\":\"native-ad-inline-1\",\"native\":true,\"sizes\":[],\"attributes\":[{\"name\":\"id\",\"value\":\"native-ad-inline-1\"},{\"name\":\"native\",\"value\":\"true\"}]},\"id\":\"native-ad-inline-1\",\"native\":true,\"isStandardArticle\":true,\"index\":7,\"className\":\"mb-0\",\"nextBlockName\":\"\"}]}]]}],[\"$\",\"div\",\"block-group-4\",{\"className\":\"mb-8\",\"children\":[[\"$\",\"$32\",\"inner-block-core/paragraph-0\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003cstrong\u003eRead More: \u003c/strong\u003e\u003cem\u003e\u003ca href=\\\"https://time.com/7210717/food-additives-us-fda-banned-europe/\\\"\u003eWhy Some Food Additives Banned in Europe Are Still on U.S. Shelves.\u003c/a\u003e\u003c/em\u003e\"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-1\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"When a member has a health care expense, they’re instructed to pay in cash, or tell a hospital that they are a self-pay customer, save the receipts, and submit them to CrowdHealth for compensation. (CrowdHealth sometimes negotiates the price of planned labs or procedures ahead of time.) The company says it covers 99.8% of claims, though it does not specify what exactly is counted in that statistic. \"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-2\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"What draws people to CrowdHealth is deep discontent with the U.S. health insurance system. The share of Americans who said that the quality of health care in the U.S. is excellent or good—44%—is the lowest since at least 2001, according to a December Gallup poll. Even many of those with good insurance coverage are frustrated at the system’s perverse incentives, byzantine regulations, and opaque processes. It’s this frustration, in part, that led to a groundswell of public support for \u003ca href=\\\"https://time.com/7201952/luigi-mangione-internet-myths-essay/\\\"\u003eLuigi Mangione\u003c/a\u003e, who was charged with first-degree murder in December for allegedly gunning down UnitedHealthcare CEO Brian Thompson in Manhattan. (Mangione has \u003ca href=\\\"https://www.nytimes.com/2024/12/23/nyregion/luigi-mangione-arraignment.html\\\"\u003epleaded not guilty.\u003c/a\u003e) \"}}]}]]}],[\"$\",\"div\",\"block-group-5\",{\"className\":\"\",\"children\":[[\"$\",\"$32\",\"inner-block-custom/ad-0\",{\"children\":[\"$\",\"$L16\",null,{\"block\":{\"name\":\"custom/ad\",\"id\":\"inline-ad-1\",\"native\":false,\"sizes\":[],\"attributes\":[{\"name\":\"id\",\"value\":\"inline-ad-1\"},{\"name\":\"native\",\"value\":\"false\"}]},\"id\":\"inline-ad-1\",\"native\":false,\"isStandardArticle\":true,\"index\":11,\"className\":\"mb-0\",\"nextBlockName\":\"\"}]}]]}],[\"$\",\"div\",\"block-group-6\",{\"className\":\"mb-8\",\"children\":[[\"$\",\"$32\",\"inner-block-core/paragraph-0\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"“There’s certainly a growing voice of people saying, ‘What do we need health insurance for if it’s just denying care?’” says Michelle Long, senior policy manager at KFF, a health care research group. \"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-1\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003cstrong\u003eRead More:\u003c/strong\u003e \u003ca href=\\\"https://time.com/7260357/aging-workforce/\\\"\u003e\u003cem\u003eFor Many of America's Aging Workers, 'Retirement Is a Distant Dream'\u003c/em\u003e\u003c/a\u003e\"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-2\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"For better or worse, CrowdHealth is not health insurance, and there are caveats to the coverage it will provide. CrowdHealth won’t pay for procedures related to preexisting conditions, including pregnancy, until you have been a member for nine months. They won’t accept smokers, heavier individuals, or anyone age 65 and over. It doesn’t cover long-term prescription or fertility treatment. And the company expects members to spend time on the phone with medical providers negotiating a cash price, as well as sometimes putting money up front to pay the bill before waiting for reimbursement. There is no guarantee that CrowdHealth will pay for your medical procedures.\"}}]}]]}],[\"$\",\"div\",\"block-group-7\",{\"className\":\"\",\"children\":[[\"$\",\"$32\",\"inner-block-custom/ad-0\",{\"children\":[\"$\",\"$L16\",null,{\"block\":{\"name\":\"custom/ad\",\"id\":\"inline-ad-2\",\"native\":false,\"sizes\":[],\"attributes\":[{\"name\":\"id\",\"value\":\"inline-ad-2\"},{\"name\":\"native\",\"value\":\"false\"}]},\"id\":\"inline-ad-2\",\"native\":false,\"isStandardArticle\":true,\"index\":15,\"className\":\"mb-0\",\"nextBlockName\":\"\"}]}]]}],[\"$\",\"div\",\"block-group-8\",{\"className\":\"mb-8\",\"children\":[[\"$\",\"$32\",\"inner-block-core/paragraph-0\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"Still, for some people, the idea of health-care sharing is more appealing than dealing with insurance companies. “What resonates with people is that they’re just tired of health insurance. They’re tired of these bills and these claims getting denied,” says Andy Schoonover, the CEO and founder of CrowdHealth. \"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-1\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"Schoonover says his own frustrations with health insurance motivated him to create CrowdHealth. After he sold a company and lost his employer-sponsored health insurance, he went on the health care marketplace and purchased insurance for himself, his wife, and two children, paying about $1,200 per month. \"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-2\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"Like many Americans, Schoonover had a plan through the Affordable Care Act, which dramatically expanded access to health care in America. But many consumers have reported problems getting claims approved through these plans. Nationwide, about 20% of claims through healthcare.gov insurers were denied in 2023, \u003ca href=\\\"https://www.kff.org/affordable-care-act/press-release/healthcare-gov-insurers-denied-nearly-1-in-5-in-network-claims-in-2023-but-information-about-reasons-is-limited-in-public-data/\\\"\u003eaccording to a KFF analysis\u003c/a\u003e. \"}}]}]]}],[\"$\",\"div\",\"block-group-9\",{\"className\":\"\",\"children\":[[\"$\",\"$32\",\"inner-block-custom/ad-0\",{\"children\":[\"$\",\"$L16\",null,{\"block\":{\"name\":\"custom/ad\",\"id\":\"inline-ad-3\",\"native\":false,\"sizes\":[],\"attributes\":[{\"name\":\"id\",\"value\":\"inline-ad-3\"},{\"name\":\"native\",\"value\":\"false\"}]},\"id\":\"inline-ad-3\",\"native\":false,\"isStandardArticle\":true,\"index\":19,\"className\":\"mb-0\",\"nextBlockName\":\"\"}]}]]}],[\"$\",\"div\",\"block-group-10\",{\"className\":\"mb-8\",\"children\":[[\"$\",\"$32\",\"inner-block-core/paragraph-0\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"Schoonover says that his insurer refused to pay $8,000 for ear tubes to treat his one-year-old’s recurring ear infections—a treatment doctors said was medically necessary, but the insurer said was not. So Schoonover started thinking about alternatives.\"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-1\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"“I said to them, ‘Look, if you’re not willing to pay my bills, I won’t pay your bill,’” he recalls. He dropped his insurance, started to pay cash for procedures, and began looking at better ways to cover health care bills without insurance. \"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-2\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"Schoonover says he was surprised how much money he could save by offering to pay cash rather than offering up his insurance card, since he spared doctor’s offices administrative costs. But that still left the question of how to cover the crushing fees of a major health problem like cancer. That’s where the idea of CrowdHealth came in.\"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-3\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"“My next thought was, ‘If I could get a group of people willing to go the same route as me, then there could be others out there to help me in the case of a large medical event,” he says. \"}}]}]]}],[\"$\",\"div\",\"block-group-11\",{\"className\":\"\",\"children\":[[\"$\",\"$32\",\"inner-block-custom/ad-0\",{\"children\":[\"$\",\"$L16\",null,{\"block\":{\"name\":\"custom/ad\",\"id\":\"inline-ad-4\",\"native\":false,\"sizes\":[],\"attributes\":[{\"name\":\"id\",\"value\":\"inline-ad-4\"},{\"name\":\"native\",\"value\":\"false\"}]},\"id\":\"inline-ad-4\",\"native\":false,\"isStandardArticle\":true,\"index\":24,\"className\":\"mb-0\",\"nextBlockName\":\"\"}]}]]}],[\"$\",\"div\",\"block-group-12\",{\"className\":\"mb-8\",\"children\":[[\"$\",\"$32\",\"inner-block-core/paragraph-0\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003cstrong\u003eRead More:\u003c/strong\u003e \u003ca href=\\\"https://time.com/7206759/medical-credit-cards/\\\"\u003e\u003cem\u003eHow Doctors Are Pushing Medical Credit Cards on Patients\u003c/em\u003e\u003c/a\u003e\"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-1\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"Schoonover took to dozens of podcasts—many of which focused on Bitcoin or cryptocurrency—to promote CrowdHealth, in search of an audience already thinking of alternatives to current systems. One of them was Kyle Ward, now 33, who had gone without health insurance for 10 years after realizing that he wasn’t using his employer-sponsored health insurance yet was paying hundreds of dollars a month for coverage. \"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-2\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"Ward had weighed the pros and cons of going without health care, and when the Affordable Care Act came out, he and his wife thought about signing up for a plan. But on his $44,000 per year salary, a premium of $300 per month plus a $7,000 deductible didn’t seem worth the money, he says. He and his wife decided it was a better financial decision to invest the money they would otherwise spend on health insurance and just pay cash for health expenses. \"}}]}]]}],[\"$\",\"div\",\"block-group-13\",{\"className\":\"\",\"children\":[[\"$\",\"$32\",\"inner-block-custom/ad-0\",{\"children\":[\"$\",\"$L16\",null,{\"block\":{\"name\":\"custom/ad\",\"id\":\"inline-ad-5\",\"native\":false,\"sizes\":[],\"attributes\":[{\"name\":\"id\",\"value\":\"inline-ad-5\"},{\"name\":\"native\",\"value\":\"false\"}]},\"id\":\"inline-ad-5\",\"native\":false,\"isStandardArticle\":true,\"index\":28,\"className\":\"mb-0\",\"nextBlockName\":\"\"}]}]]}],[\"$\",\"div\",\"block-group-14\",{\"className\":\"mb-8\",\"children\":[[\"$\",\"$32\",\"inner-block-core/paragraph-0\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"Doing so led to significant discounts, according to Ward, who says a doctor’s visit near where he lives in rural Texas was $80 if he paid cash, while his wife’s asthma medication was about $280 every three months. A gallbladder surgery that he had been told would cost $34,000 through insurance went down to $8,000 when he offered to pay cash, Ward says. Childbirth was $6,000 through a midwife who took cash.\"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-1\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"But Ward was still worried about catastrophic health events. So when he heard about CrowdHealth, he decided to sign up. It wasn’t a perfect solution. Ward has a preexisting condition that requires frequent colonoscopies, and he knew that CrowdHealth would not cover those. But CrowdHealth helped him find a place willing to do the procedure for $950 cash, he says, and he figured that CrowdHealth was still worth it. \"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-2\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"“Traditional health insurance is not working,” he says. “Maybe I’ve bought into the sales pitch, but CrowdHealth makes sense to me financially and morally—and it really feels like they want to do good.” \"}}]}]]}],[\"$\",\"div\",\"block-group-15\",{\"className\":\"\",\"children\":[[\"$\",\"$32\",\"inner-block-custom/ad-0\",{\"children\":[\"$\",\"$L16\",null,{\"block\":{\"name\":\"custom/ad\",\"id\":\"inline-ad-6\",\"native\":false,\"sizes\":[],\"attributes\":[{\"name\":\"id\",\"value\":\"inline-ad-6\"},{\"name\":\"native\",\"value\":\"false\"}]},\"id\":\"inline-ad-6\",\"native\":false,\"isStandardArticle\":true,\"index\":32,\"className\":\"mb-0\",\"nextBlockName\":\"\"}]}]]}],[\"$\",\"div\",\"block-group-16\",{\"className\":\"mb-8\",\"children\":[[\"$\",\"$32\",\"inner-block-core/paragraph-0\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003cstrong\u003eRead More: \u003c/strong\u003e\u003cem\u003e\u003ca href=\\\"https://time.com/7024080/why-you-cant-find-a-pediatrician/\\\"\u003eWhy You Can't Find a Pediatrician.\u003c/a\u003e\u003c/em\u003e\"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-1\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"CrowdHealth appears to be popular with users—on the website \u003ca href=\\\"https://www.trustpilot.com/review/joincrowdhealth.com\\\"\u003eTrustpilot\u003c/a\u003e, it received 4.8 stars out of 5, with 411 reviews. But it won’t be the right solution for many families. It is not regulated like health insurance, and so if your claim is denied, there’s no regulator to turn to. \"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-2\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"Caroline Niziol was a member of Medi-Share, one of the largest religious health-sharing ministries, from 2015 to 2017. It saved Niziol’s family a lot of money: Medi-share cost them around $350 per month, while their traditional health insurance premium was around $850. But the ministry did not cover vaccines, physical therapy, or mental health care, and had an annual household ceiling for medical costs. \"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-3\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"When her husband had a procedure related to a chronic health condition that cost $10,000, Medi-Share refused to cover it, Niziol says, even though she believes they should have. Niziol says she had to argue with Medi-Share for months to get it covered, as she did when her newborn baby ended up in the emergency room.\"}}]}]]}],[\"$\",\"div\",\"block-group-17\",{\"className\":\"\",\"children\":[[\"$\",\"$32\",\"inner-block-custom/ad-0\",{\"children\":[\"$\",\"$L16\",null,{\"block\":{\"name\":\"custom/ad\",\"id\":\"inline-ad-7\",\"native\":false,\"sizes\":[],\"attributes\":[{\"name\":\"id\",\"value\":\"inline-ad-7\"},{\"name\":\"native\",\"value\":\"false\"}]},\"id\":\"inline-ad-7\",\"native\":false,\"isStandardArticle\":true,\"index\":37,\"className\":\"mb-0\",\"nextBlockName\":\"\"}]}]]}],[\"$\",\"div\",\"block-group-18\",{\"className\":\"mb-8\",\"children\":[[\"$\",\"$32\",\"inner-block-core/paragraph-0\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"“I kind of feel like you get what you pay for,” she says. \\\"It can really be a time suck.” \"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-1\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"Medi-Share, which has 336,000 individual members, said in a statement to TIME that 80% of all bills are processed in 30 days or less. Member-voted guidelines govern what is and is not eligible for sharing, the company says, and these guidelines stipulate that there is no annual or lifetime limit on eligible medical bills. Medi-Share also says that physical therapy is eligible for sharing for up to 20 visits combined, and short-term counseling services are available by phone through Medi-Share's telebehavioral health service. \"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-2\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"CrowdHealth is small relative to religious health care sharing ministries; the \u003ca href=\\\"https://ahcsm.org/about-us/data-and-statistics/\\\"\u003eAlliance of Health Care Sharing Ministries\u003c/a\u003e counts nearly 700,000 members. The unregulated nature of these health-sharing companies has drawn attention from some states. In 2022, \u003ca href=\\\"https://leg.colorado.gov/bills/hb21-1135\\\"\u003eColorado passed a law\u003c/a\u003e that requires health-sharing ministries and medical cost-sharing communities to report specific information to the commissioner of insurance regarding financial operations, membership, and medical bills submitted, paid, and denied in the state. It also required these communities to provide certain disclosures to members and respond to requests for payment of medical expenses without a specific period of time. \"}}]}]]}],[\"$\",\"div\",\"block-group-19\",{\"className\":\"\",\"children\":[[\"$\",\"$32\",\"inner-block-custom/ad-0\",{\"children\":[\"$\",\"$L16\",null,{\"block\":{\"name\":\"custom/ad\",\"id\":\"inline-ad-8\",\"native\":false,\"sizes\":[],\"attributes\":[{\"name\":\"id\",\"value\":\"inline-ad-8\"},{\"name\":\"native\",\"value\":\"false\"}]},\"id\":\"inline-ad-8\",\"native\":false,\"isStandardArticle\":true,\"index\":41,\"className\":\"mb-0\",\"nextBlockName\":\"\"}]}]]}],[\"$\",\"div\",\"block-group-20\",{\"className\":\"mb-8\",\"children\":[[\"$\",\"$32\",\"inner-block-core/paragraph-0\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"Susan Lontine, the former Democratic legislator who sponsored the bill, says she introduced it because some Colorado residents had thought their health care expenses would be covered by these ministries and were surprised to find out they were not. “We were just trying to get a handle on who these entities were,” Lontine says. \"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-1\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"The Alliance of Health Care Sharing Ministries \u003ca href=\\\"https://www.courthousenews.com/wp-content/uploads/2024/05/alliance-of-health-sharing-ministries-v-colorado-division-of-insurance-complaint-district-of-colorado.pdf\\\"\u003esued the Colorado Division of Insurance\u003c/a\u003e over the law in May 2024, arguing that it deprives their members the right to exercise their religious liberty in the health care system. In the lawsuit, the alliance says that 33 states have enacted safe harbor laws clarifying that health care sharing ministries are exempt from the state insurance code. Four additional states have allowed them to operate exempt from the insurance code by providing members exemptions from state health insurance mandates. \"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-2\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003cstrong\u003eRead More:\u003c/strong\u003e \u003ca href=\\\"https://time.com/7022116/pharmacies-struggling/\\\"\u003e\u003cem\u003eWhy Your Pharmacy Experience is Miserable\u003c/em\u003e\u003c/a\u003e.\"}}]}]]}],[\"$\",\"div\",\"block-group-21\",{\"className\":\"\",\"children\":[[\"$\",\"$32\",\"inner-block-custom/ad-0\",{\"children\":[\"$\",\"$L16\",null,{\"block\":{\"name\":\"custom/ad\",\"id\":\"inline-ad-9\",\"native\":false,\"sizes\":[],\"attributes\":[{\"name\":\"id\",\"value\":\"inline-ad-9\"},{\"name\":\"native\",\"value\":\"false\"}]},\"id\":\"inline-ad-9\",\"native\":false,\"isStandardArticle\":true,\"index\":45,\"className\":\"mb-0\",\"nextBlockName\":\"\"}]}]]}],[\"$\",\"div\",\"block-group-22\",{\"className\":\"mb-8\",\"children\":[[\"$\",\"$32\",\"inner-block-core/paragraph-0\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"Health care experts say that people should thoroughly research their options before signing up for health sharing. Many people might qualify for free or low-cost plans through the Affordable Care Act; research by KFF suggests that about 5 million people who didn’t have insurance in 2023 could have gotten a plan through the ACA that was \u003ca href=\\\"https://www.kff.org/policy-watch/millions-of-uninsured-people-can-get-free-aca-plans/\\\"\u003eessentially free\u003c/a\u003e due to available subsidies. Experts also caution that people should think twice about giving up on health insurance because they’re healthy and they think they will continue to stay that way. “You just can’t anticipate everything that will happen,” says Long of KFF. \"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-1\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"For some people, though, having an alternative to traditional health insurance is revolutionary enough. Geoff Perlman, the CrowdHealth member whose son broke his arm, says the cost savings alone are worth it to him. As a CEO of a tech company, Perlman knows a lot about the cost of health care. He offered UnitedHealthcare to his employees, and was on the plan for a while, paying about $2,000 per month in premiums for his family of four. He then switched to Liberty, a health-sharing ministry, in 2017, paying about $1,000 a month. 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His family of four now pays a membership fee of about $226 a month, plus anywhere from $185 to $386 per month for the medical bills of others. He says his payments have gone down by about one-third since he signed up in July 2022. \"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-1\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-6 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"Perlman is such a fan that although he offers all eight of his employees United Healthcare, he also offers an alternative: they can receive a stipend and make arrangements for themselves, either going onto healthcare.gov and picking a plan there, or joining a health care ministry. Every single employee, he reports, has decided to take the stipend rather than sticking with employer-sponsored health insurance.\"}}]}],[\"$\",\"$32\",\"inner-block-core/paragraph-2\",{\"children\":[\"$\",\"p\",null,{\"className\":\"self-baseline font-graphik text-body-large text-black-coffee rich-text mb-0 text-left\",\"dangerouslySetInnerHTML\":{\"__html\":\"\u003cstrong\u003eCorrection, March 20: \u003c/strong\u003e\u003cem\u003eThe original version of this story misstated how long people have to be members of\u003cstrong\u003e \u003c/strong\u003eCrowdHealth in order to have\u003cstrong\u003e \u003c/strong\u003eprocedures related to pregnancy covered. 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Or they can decline—at the cost of eroding their rating on CrowdHealth’s site, making it less likely that fellow members will contribute to their own needs. \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"\u003cstrong\u003eRead More: \u003c/strong\u003e\u003cem\u003e\u003ca href=\\\"https://time.com/7210717/food-additives-us-fda-banned-europe/\\\"\u003eWhy Some Food Additives Banned in Europe Are Still on U.S. Shelves.\u003c/a\u003e\u003c/em\u003e\",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"When a member has a health care expense, they’re instructed to pay in cash, or tell a hospital that they are a self-pay customer, save the receipts, and submit them to CrowdHealth for compensation. (CrowdHealth sometimes negotiates the price of planned labs or procedures ahead of time.) The company says it covers 99.8% of claims, though it does not specify what exactly is counted in that statistic. \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"What draws people to CrowdHealth is deep discontent with the U.S. health insurance system. The share of Americans who said that the quality of health care in the U.S. is excellent or good—44%—is the lowest since at least 2001, according to a December Gallup poll. Even many of those with good insurance coverage are frustrated at the system’s perverse incentives, byzantine regulations, and opaque processes. It’s this frustration, in part, that led to a groundswell of public support for \u003ca href=\\\"https://time.com/7201952/luigi-mangione-internet-myths-essay/\\\"\u003eLuigi Mangione\u003c/a\u003e, who was charged with first-degree murder in December for allegedly gunning down UnitedHealthcare CEO Brian Thompson in Manhattan. (Mangione has \u003ca href=\\\"https://www.nytimes.com/2024/12/23/nyregion/luigi-mangione-arraignment.html\\\"\u003epleaded not guilty.\u003c/a\u003e) \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"“There’s certainly a growing voice of people saying, ‘What do we need health insurance for if it’s just denying care?’” says Michelle Long, senior policy manager at KFF, a health care research group. \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"\u003cstrong\u003eRead More:\u003c/strong\u003e \u003ca href=\\\"https://time.com/7260357/aging-workforce/\\\"\u003e\u003cem\u003eFor Many of America's Aging Workers, 'Retirement Is a Distant Dream'\u003c/em\u003e\u003c/a\u003e\",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"For better or worse, CrowdHealth is not health insurance, and there are caveats to the coverage it will provide. CrowdHealth won’t pay for procedures related to preexisting conditions, including pregnancy, until you have been a member for nine months. They won’t accept smokers, heavier individuals, or anyone age 65 and over. It doesn’t cover long-term prescription or fertility treatment. And the company expects members to spend time on the phone with medical providers negotiating a cash price, as well as sometimes putting money up front to pay the bill before waiting for reimbursement. There is no guarantee that CrowdHealth will pay for your medical procedures.\",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"Still, for some people, the idea of health-care sharing is more appealing than dealing with insurance companies. “What resonates with people is that they’re just tired of health insurance. They’re tired of these bills and these claims getting denied,” says Andy Schoonover, the CEO and founder of CrowdHealth. \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"Schoonover says his own frustrations with health insurance motivated him to create CrowdHealth. After he sold a company and lost his employer-sponsored health insurance, he went on the health care marketplace and purchased insurance for himself, his wife, and two children, paying about $1,200 per month. \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"Like many Americans, Schoonover had a plan through the Affordable Care Act, which dramatically expanded access to health care in America. But many consumers have reported problems getting claims approved through these plans. Nationwide, about 20% of claims through healthcare.gov insurers were denied in 2023, \u003ca href=\\\"https://www.kff.org/affordable-care-act/press-release/healthcare-gov-insurers-denied-nearly-1-in-5-in-network-claims-in-2023-but-information-about-reasons-is-limited-in-public-data/\\\"\u003eaccording to a KFF analysis\u003c/a\u003e. \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"Schoonover says that his insurer refused to pay $8,000 for ear tubes to treat his one-year-old’s recurring ear infections—a treatment doctors said was medically necessary, but the insurer said was not. So Schoonover started thinking about alternatives.\",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"“I said to them, ‘Look, if you’re not willing to pay my bills, I won’t pay your bill,’” he recalls. He dropped his insurance, started to pay cash for procedures, and began looking at better ways to cover health care bills without insurance. \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"Schoonover says he was surprised how much money he could save by offering to pay cash rather than offering up his insurance card, since he spared doctor’s offices administrative costs. But that still left the question of how to cover the crushing fees of a major health problem like cancer. That’s where the idea of CrowdHealth came in.\",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"“My next thought was, ‘If I could get a group of people willing to go the same route as me, then there could be others out there to help me in the case of a large medical event,” he says. \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"\u003cstrong\u003eRead More:\u003c/strong\u003e \u003ca href=\\\"https://time.com/7206759/medical-credit-cards/\\\"\u003e\u003cem\u003eHow Doctors Are Pushing Medical Credit Cards on Patients\u003c/em\u003e\u003c/a\u003e\",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"Schoonover took to dozens of podcasts—many of which focused on Bitcoin or cryptocurrency—to promote CrowdHealth, in search of an audience already thinking of alternatives to current systems. One of them was Kyle Ward, now 33, who had gone without health insurance for 10 years after realizing that he wasn’t using his employer-sponsored health insurance yet was paying hundreds of dollars a month for coverage. \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"Ward had weighed the pros and cons of going without health care, and when the Affordable Care Act came out, he and his wife thought about signing up for a plan. But on his $44,000 per year salary, a premium of $300 per month plus a $7,000 deductible didn’t seem worth the money, he says. He and his wife decided it was a better financial decision to invest the money they would otherwise spend on health insurance and just pay cash for health expenses. \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"Doing so led to significant discounts, according to Ward, who says a doctor’s visit near where he lives in rural Texas was $80 if he paid cash, while his wife’s asthma medication was about $280 every three months. A gallbladder surgery that he had been told would cost $34,000 through insurance went down to $8,000 when he offered to pay cash, Ward says. Childbirth was $6,000 through a midwife who took cash.\",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"But Ward was still worried about catastrophic health events. So when he heard about CrowdHealth, he decided to sign up. It wasn’t a perfect solution. Ward has a preexisting condition that requires frequent colonoscopies, and he knew that CrowdHealth would not cover those. But CrowdHealth helped him find a place willing to do the procedure for $950 cash, he says, and he figured that CrowdHealth was still worth it. \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"“Traditional health insurance is not working,” he says. “Maybe I’ve bought into the sales pitch, but CrowdHealth makes sense to me financially and morally—and it really feels like they want to do good.” \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"\u003cstrong\u003eRead More: \u003c/strong\u003e\u003cem\u003e\u003ca href=\\\"https://time.com/7024080/why-you-cant-find-a-pediatrician/\\\"\u003eWhy You Can't Find a Pediatrician.\u003c/a\u003e\u003c/em\u003e\",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"CrowdHealth appears to be popular with users—on the website \u003ca href=\\\"https://www.trustpilot.com/review/joincrowdhealth.com\\\"\u003eTrustpilot\u003c/a\u003e, it received 4.8 stars out of 5, with 411 reviews. But it won’t be the right solution for many families. It is not regulated like health insurance, and so if your claim is denied, there’s no regulator to turn to. \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"Caroline Niziol was a member of Medi-Share, one of the largest religious health-sharing ministries, from 2015 to 2017. It saved Niziol’s family a lot of money: Medi-share cost them around $350 per month, while their traditional health insurance premium was around $850. But the ministry did not cover vaccines, physical therapy, or mental health care, and had an annual household ceiling for medical costs. \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"When her husband had a procedure related to a chronic health condition that cost $10,000, Medi-Share refused to cover it, Niziol says, even though she believes they should have. Niziol says she had to argue with Medi-Share for months to get it covered, as she did when her newborn baby ended up in the emergency room.\",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"“I kind of feel like you get what you pay for,” she says. \\\"It can really be a time suck.” \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"Medi-Share, which has 336,000 individual members, said in a statement to TIME that 80% of all bills are processed in 30 days or less. Member-voted guidelines govern what is and is not eligible for sharing, the company says, and these guidelines stipulate that there is no annual or lifetime limit on eligible medical bills. Medi-Share also says that physical therapy is eligible for sharing for up to 20 visits combined, and short-term counseling services are available by phone through Medi-Share's telebehavioral health service. \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"CrowdHealth is small relative to religious health care sharing ministries; the \u003ca href=\\\"https://ahcsm.org/about-us/data-and-statistics/\\\"\u003eAlliance of Health Care Sharing Ministries\u003c/a\u003e counts nearly 700,000 members. The unregulated nature of these health-sharing companies has drawn attention from some states. In 2022, \u003ca href=\\\"https://leg.colorado.gov/bills/hb21-1135\\\"\u003eColorado passed a law\u003c/a\u003e that requires health-sharing ministries and medical cost-sharing communities to report specific information to the commissioner of insurance regarding financial operations, membership, and medical bills submitted, paid, and denied in the state. It also required these communities to provide certain disclosures to members and respond to requests for payment of medical expenses without a specific period of time. \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"Susan Lontine, the former Democratic legislator who sponsored the bill, says she introduced it because some Colorado residents had thought their health care expenses would be covered by these ministries and were surprised to find out they were not. “We were just trying to get a handle on who these entities were,” Lontine says. \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"The Alliance of Health Care Sharing Ministries \u003ca href=\\\"https://www.courthousenews.com/wp-content/uploads/2024/05/alliance-of-health-sharing-ministries-v-colorado-division-of-insurance-complaint-district-of-colorado.pdf\\\"\u003esued the Colorado Division of Insurance\u003c/a\u003e over the law in May 2024, arguing that it deprives their members the right to exercise their religious liberty in the health care system. In the lawsuit, the alliance says that 33 states have enacted safe harbor laws clarifying that health care sharing ministries are exempt from the state insurance code. Four additional states have allowed them to operate exempt from the insurance code by providing members exemptions from state health insurance mandates. \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"\u003cstrong\u003eRead More:\u003c/strong\u003e \u003ca href=\\\"https://time.com/7022116/pharmacies-struggling/\\\"\u003e\u003cem\u003eWhy Your Pharmacy Experience is Miserable\u003c/em\u003e\u003c/a\u003e.\",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"Health care experts say that people should thoroughly research their options before signing up for health sharing. Many people might qualify for free or low-cost plans through the Affordable Care Act; research by KFF suggests that about 5 million people who didn’t have insurance in 2023 could have gotten a plan through the ACA that was \u003ca href=\\\"https://www.kff.org/policy-watch/millions-of-uninsured-people-can-get-free-aca-plans/\\\"\u003eessentially free\u003c/a\u003e due to available subsidies. Experts also caution that people should think twice about giving up on health insurance because they’re healthy and they think they will continue to stay that way. “You just can’t anticipate everything that will happen,” says Long of KFF. \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"For some people, though, having an alternative to traditional health insurance is revolutionary enough. Geoff Perlman, the CrowdHealth member whose son broke his arm, says the cost savings alone are worth it to him. As a CEO of a tech company, Perlman knows a lot about the cost of health care. He offered UnitedHealthcare to his employees, and was on the plan for a while, paying about $2,000 per month in premiums for his family of four. He then switched to Liberty, a health-sharing ministry, in 2017, paying about $1,000 a month. When his wife got breast cancer in 2020, he says, Liberty paid every bill, even negotiating $1.2 million in total costs down to $217,000, which it paid. \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"Then Liberty raised its prices, Perlman says, and he stumbled across CrowdHealth. His family of four now pays a membership fee of about $226 a month, plus anywhere from $185 to $386 per month for the medical bills of others. He says his payments have gone down by about one-third since he signed up in July 2022. \",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"Perlman is such a fan that although he offers all eight of his employees United Healthcare, he also offers an alternative: they can receive a stipend and make arrangements for themselves, either going onto healthcare.gov and picking a plan there, or joining a health care ministry. Every single employee, he reports, has decided to take the stipend rather than sticking with employer-sponsored health insurance.\",\"name\":\"core/paragraph\",\"tagName\":\"p\"},{\"__typename\":\"ContentBlock\",\"innerBlocks\":[],\"attributes\":[],\"innerHTML\":\"\u003cstrong\u003eCorrection, March 20: \u003c/strong\u003e\u003cem\u003eThe original version of this story misstated how long people have to be members of\u003cstrong\u003e \u003c/strong\u003eCrowdHealth in order to have\u003cstrong\u003e \u003c/strong\u003eprocedures related to pregnancy covered. It is nine months, not two years.\u003c/em\u003e\",\"name\":\"core/paragraph\",\"tagName\":\"p\"}]},\"timePeople\":{\"__typename\":\"TimePeopleType\",\"peoples\":null},\"timeAuthor\":{\"__typename\":\"TimeAuthorType\",\"authors\":[{\"__typename\":\"TimeAuthorDataType\",\"id\":634856687,\"firstname\":\"Alana\",\"lastname\":\"Semuels\",\"name\":\"Alana Semuels\",\"thumbnail\":\"https://api.time.com/wp-content/uploads/2020/05/asheadshot-bw.jpg?quality=85\u0026w=1024\",\"bio\":\"Semuels is a senior economics correspondent at TIME. She covers work, consumer spending, retail, gender, and technology. She is a four-time finalist for the Gerald Loeb Award for Distinguished Business and Financial Journalism, and she has won awards from the Society of Business Editors and Writers and the Los Angeles Press Club.\",\"title\":\"Senior Correspondent\",\"email\":\"\",\"facebook\":\"\",\"twitter\":\"\",\"linkedin\":\"\",\"instagram\":\"\",\"google\":\"\",\"path\":\"/author/alana-semuels/\",\"show_desc\":false}],\"photographer\":[]},\"collectionMetadata\":{\"__typename\":\"CollectionMetadataType\",\"id\":null,\"title\":null,\"url\":null,\"curatedRecirc\":null}},\"pageType\":\"article\"}],[\"$\",\"script\",null,{\"type\":\"application/ld+json\",\"dangerouslySetInnerHTML\":{\"__html\":\"$3d\"}}]]}],\";\",[\"$\",\"$L3e\",null,{\"editLink\":\"https://api.time.com/wp-admin/post.php?post=7269608\u0026action=edit\"}]]\n"])</script></body></html>