Andy Schoonover - Turning Healthcare Into Bitcoin Circularity

— Healthcare is fundamentally broken due to misaligned incentives: insurance companies and hospitals profit when prices rise, creating no market forces to drive costs down.

— CrowdHealth replaces insurance with direct peer-to-peer funding; members pay a subscription fee ($60–$420/month) and contribute directly to others' bills above $500, cutting typical costs by 50–80% versus insurance.

— Paying cash directly to providers bypasses billing middlemen and reduces prices significantly; doctors spend ~two days per week fighting insurance, time saved when patients pay out-of-pocket.

— CrowdHealth's negotiation team secures 60–80% discounts on hospital bills post-procedure; independent doctors and imaging centers often offer better quality at lower cost than hospital systems.

— Zero member bankruptcies in five years; prices fell 11% from 2024 to 2025 (and are now lower than 2021), defying typical healthcare inflation.

— Long-term vision includes Bitcoin circularity in healthcare—accepting Bitcoin payments and enabling members to fund each other in sats rather than fiat.

— Run the numbers: the average employer spends ~$26,000/year per family on health insurance; CrowdHealth maxes at $6,000–$7,000, creating a $14,000+ delta that can be negotiated back as salary and invested in Bitcoin or savings.

— Use the CrowdHealth app (pre-procedure) to compare local provider prices and quality ratings from other members; negotiate hospital bills post-care through their legal team before paying, and avoid in-hospital financing or care credit traps.

— Separate healthcare from employment by requesting salary adjustment in exchange for opting out of employer plans; small businesses are increasingly open to this trade, and it gives you sovereignty over both health decisions and financial allocations.