What if someone told you that throwing out health insurance will save you money, stack up SATs and get better health care?
Most Bitcoiners are intriguing, but skeptical. Please trust me and don’t check it? However, seeing how Fiat Money damages the financial system, recognizing the same operations that infect healthcare is not a major leap.
CrowdHealth CEO Andy Schoonover discovered the cruel reality of “health insurance” when her one-year-old daughter needed a routine 15-minute procedure to repair a hole in her eardrum.
Despite paying $1,200 a month for an affordable care law program, the hospital charged $8,000, and his insurance refused to pay, declaring it “medically unnecessary.”
“I went through a two-round appeal process and they still seemed ‘no, we didn’t pay for it.’ ” Schoonover recalls. “So, at that point I just said, ‘Screw this in. I don’t have health insurance. This is such a scam.”
The aftermath immediately followed was not interesting. “So I called them and said, ‘I stopped.’ And then I went back to my wife and it was like, “We don’t have health insurance anymore.” She said, “Sorry?” This leads to the beginning of something completely new.
Cash Price Epiphany
Schoonover has discovered that many people only learn after being burned. The same procedure as what you were charged for $8,000? “What if I had paid cash?” He said, “It was probably something like $2,000.”
That moment was the Genesis block of Cloud Health, as he calls it. It is a decentralized, community-driven alternative to health insurance, where members directly fund each other’s healthcare expenses.
mission? Cut out the bloated insurance bureaucracy and regain price transparency and personal responsibility.
Orange Pilling Health Care
As Bitconner, who has had 80% of his liquid assets in Bitcoin since 2021, Schoonover saw an opportunity to align CrowdHealth with a healthy money spirit.
“Jimmy’s song is my companion.” He said. “He said, ‘Isn’t it a bitcoin pool instead of the big Fiat pool in the backend?’
Regulatory constraints have now ruled out pooled Bitcoin funds, but CloudHealth has found a clever workaround. Members make two separate payments each month.
- $55 “Advocacy Fee”: Covers bill negotiations, app access, and personal care advocates.
- Crowdfunding contributions: Sent directly to other members to pay medical expenses. For non-Bitcoin members, this amount changes monthly based on your needs. For Bitcoin members, it is fixed at $140.
With a Bitcoin plan, if your actual monthly needs are less than $140, for example $75, the remaining $65 difference will automatically collapse.
“It’s a great way to stack it up.” The schooner said. “In the end, we are trying to create enough scale within the Bitcoin community, so we can do all of our transactions more than lightning.”
His vision? Exchange dollars as a medium of exchange for healthcare, one of the largest industries on the planet.
“If you can do that, then.” He said, “It goes a long way in driving away the dollar.”
Bitcoin Healthcare Circle
With 12,000 members (and over 15,000 people helped), CrowdHealth is gaining traction right away. A quarter of the user base is Bitcoiner.
The backend lightning infrastructure is already built. Bitcoin-friendly doctors reach out to get paid with SAT. Even one of the 10 largest hospital systems in the United States has shown interest in accepting Bitcoin.
“If we can get Bitcoin, doctors who want to receive Bitcoin, and patients who want to have their infrastructure in place, I think there’s something really special.” The schooner said.
Better price. Better action. Better results.
It’s hard to ignore the platform numbers. For medical expenses over $2,500, members will pay about 50% less than traditional insurance.
“Imagine our healthcare system if all prices were reduced by 50%.” The schooner said. “That’s the $2.5 trillion impact, which is $2.5 trillion back to the pockets of people who can buy Bitcoin.”
And it’s not just about saving money. Like Bitcoin, CrowdHealth encourages sovereignty not only financially but physically.
“When you take personal responsibility for your own things, your behavior begins to change.” He said. “I’m seeing this on Bitcoiner. They take care of themselves better.”
CrowdHealth even rewards members who maintain metabolically health. Members with fasting insulin below 5 or low visceral fat will receive a 10% discount and are planned to rise to 20% next year. They also do not accept smokers or people over 260 pounds.
“We want people who opt out of the system and are responsible.” Schooner Notes. “50% of babies in April were born at home. The national average is 1.8%. That tells us the type of people we serve.”
Brian’s Story: A Million Dollar Test
For skeptics, the schooner offers real-world results like Brian, a member of Cloud Health who accidentally shot himself with a .44 Magnum while fishing in Bear Country (Montana). The bullet travelled through his calves, thighs and breasts.
He was airlifted to the hospital two hours apart, placed in coma, and was hit by a million dollar bill. CrowdHealth negotiated it somewhere between $200,000 and $250,000, and the community funded it.
“I can talk about that now.” The schooner said. “I’m not thrilled that Brian has experienced it. I’m thrilled that CloudHealth is his ally, not his enemy.”
Why Bitcoiner cares?
Despite the philosophical overlap, many Bitcoiners still stick to traditional insurance. Schoonover doesn’t get it.
“If it’s okay to leave Fiat” He asks, “Why are you still afraid to leave Fiat Healthcare?”
For him, the similarities are clear. Both systems are opaque, centralized and built to extract. Both can deny access, decide on your choice, and delay help if it is most important.
“They can say, ‘We’re not paying for it.’ And that means you don’t get it.” Schoonover explains.
“It’s more control than ever before. At least with money, you can choose how to use it. But when it comes to health insurance, they can block care completely. It affects your body, time, and your life.”
For communities that take pride in opting out of personal responsibility and broken systems, it is a contradiction worth looking into. CrowdHealth is a simple idea built and designed for those looking to regain control over their health and healthcare.
Building sovereignty on a broken system
Millions of people are searching for alternatives as subsidies and Medicaid support is expected to be tougher. CrowdHealth is ready.
The platform is expanding community groups. From bitcoiners to carnivorous animals to faith-based families, and more. The idea is simple. Shared values increase generosity and accountability.
“We want people who are metabolically healthy, raising babies, and those who live active lives.” The schooner said. “Not people who spend five times more on lifestyle choices with poor chronic conditions.”
Top Cloud Health Costs are not chronic illnesses, but sports injuries and pregnancy. That’s a good sign.
“We want people to flourish. We want our 80-year-old clients to play Wiffleball with their grandchildren.” The schooner said. “I want them to live hard and die quickly, not suffering from slow and expensive decline.”
That’s the vision. Not only does it have low insurance premiums and payment speeds, it is a healthcare system that actually makes you healthier.
A decentralized alternative worth stacking
Cloud Health is not a health insurance policy. This is a parallel system in which members directly fund each other based on shared values and mutual trust. That trust is not bureaucracy, but foundations, not claims department, not fine printing.
Bitcoin does not depend on trust. It relies on codes and consensus. However, integrating both systems is the desire to escape operation and regain control.
The dollar system is broken. The same goes for healthcare. CrowdHealth provides both paths.
And this is the question Schoonover would like to ask all Bitconners.
“What prevents you from spreading your health care?”
If you’ve already photographed orange savings, it may be time to take care and do the same thing.
Are you still not sure? Tweet your question @joincrowdhealth. The community is authentic. The results are authentic. And maybe the future with a better healthcare system.
Disclaimer: The author of this post is a customer of Happy CrowdHealth.
