Over 40 Fitness Hacks 569: Andy Schoonover - How I Switched to Crowd Health and Saved Thousands
Crowd Health - How I Ditched Health Insurance and Saved Thousands
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Andy Schoonover - Crowd Health
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🎙️ Podcast Summary: Brad Williams Interviews Andy Schoonover, Founder of Crowd Health🔍 Key Points Discussed:
In this episode, Brad Williams shares his personal frustrations with traditional health insurance and religious health share programs—citing high costs, poor service, and surprise denials. He introduces his audience to Andy Schoonover, founder of Crowd Health, as a powerful alternative he's personally adopted.
Andy shares the origin story of Crowd Health, born from his own bad experience with insurance when he was forced to pay $8,000 out-of-pocket for a medically denied but necessary procedure for his daughter. Frustrated with the system, he created a peer-to-peer medical crowdfunding platform that empowers members to pay for care directly—at significantly reduced rates.
How Crowd Health works: Members pay a monthly fee plus a capped contribution to help others. Each medical event has a $500 member responsibility, with the rest crowdfunded (99.8% success rate).
Cost Comparison: Brad switched from paying $1,400/month with a $5,000 deductible to under $600/month max with Crowd Health for his family of three.
Cash Pay System Advantage: Members become “cash payers,” avoiding inflated insurance prices and benefiting from Crowd Health’s provider negotiations (often saving 40–50%).
Personal Experience: Brad’s family visits, prescriptions, and pediatric care were all covered quickly (within 8 days) and cheaper than through insurance or prior health share programs
Community-Based Funding: Big-ticket medical events (e.g., a $1M gunshot injury case) were successfully funded after negotiation brought costs way down.
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