I Canceled My Family's Health Insurance (and Joined Crowdhealth)
Postedabout 2 months agoActiveabout 2 months ago
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Health Insurance
Alternative Healthcare
Crowdhealth
The author shares their experience of canceling traditional family health insurance and joining CrowdHealth, a non-traditional healthcare sharing model, sparking discussion about its viability and limitations.
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Nov 12, 2025 at 3:24 PM EST
about 2 months ago
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Nov 12, 2025 at 4:27 PM EST
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Nov 12, 2025 at 4:44 PM EST
about 2 months ago
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They increase their fees significantly once you're over 55 years.
Long term prescriptions are not covered. So if you become diabetic after you join, and need a continual prescription of metformin, you won't get it. I assume the same goes for statins, etc.
If you have pre-existing conditions, you have to wait till year 3 to get it covered, and they limit to $25K/year for pre-existing conditions.
Seems decent if young, healthy and not on a good employer sponsored plan. Bad idea as you start to age. His argument is that if you save plenty per month by not having regular insurance, you can stuff/invest those savings for use later when you're older.