CrowdHealth Review 2026
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CrowdHealth
17,000+
Best for Young families; healthy individuals; self-employed; anyone wanting low costs with no coverage caps
Monthly Cost
from $60/mo
Coverage Cap
None — no maximum per event
Pre-Existing Wait
2 years ineligible
Faith Requirement
None
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Overview
About CrowdHealth
CrowdHealth is a healthcare crowdfunding platform (NOT health sharing or insurance) founded in 2021, headquartered in Austin, TX, with 17,000+ members. Uses peer-to-peer crowdfunding where members contribute to fund each other's medical bills. Monthly advocacy fee $60 plus variable crowdfunding costs (avg $140/mo for individuals under 55). No coverage caps, no faith requirement, any doctor, month-to-month flexibility.
At a Glance
Key Facts
- Type: Healthcare crowdfunding (NOT health sharing)
- Monthly cost: $60 flat advocacy fee + variable crowdfunding contributions (max $140/mo under 55, $280/mo ages 55-64) = max $200/mo under 55, max $340/mo ages 55-64
- No coverage caps per health event
- No faith requirement
- Member commitment: $500 per health event
- Pre-existing: Years 1-2 ineligible, Year 3+ up to $25K/year (verify current terms at joincrowdhealth.com)
- No tobacco users
- 4.6/5 rating (Trustpilot 4.7/5, 665+ reviews)
- 17,000+ members
- Covers: any doctor, telehealth, prescriptions, maternity, mental health, preventive, emergency, surgery
- 99.8% of submitted bills funded (CrowdHealth, Oct 2021–Nov 2024)
The Honest Take
Pros and Cons
What we like
- Lowest monthly cost for healthy individuals (~$140/mo avg under 55)
- No coverage caps per health event — unlimited potential coverage
- No faith requirement or religious affiliation
- Month-to-month flexibility — cancel anytime
- Transparent monthly cost reporting
- Strong bill negotiation (30-60% discounts on planned procedures)
- Preventive care incentives (wellness bonuses)
- Trustpilot 4.7/5 from 665+ reviews
- 99.8% of submitted member bills funded (CrowdHealth, Oct 2021–Nov 2024)
Watch out for
- Crowdfunding is voluntary — not guaranteed like insurance
- Pre-existing conditions limited first 2 years
- No tobacco users accepted
- $60/mo flat advocacy fee is fixed and non-refundable, regardless of your crowdfunding contributions
- Relatively new (founded 2021) vs 30+ year ministries
- Cannot be used for employer coverage mandates (CA, MA, NJ, RI, DC, VT)
- Does not satisfy state insurance requirements
Coverage
What's Covered
telehealth
prescriptions
maternity
mental Health
dental
vision
preventive
emergency
surgery
Still reading? Here's the short version
CrowdHealth
from $60/mo · ★ 4.6
Best for young families; healthy individuals; self-employed; anyone wanting low costs with no coverage caps
We may earn a commission if you enroll through this link — it never affects our rankings.
Run the numbers for CrowdHealth
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Want to see where CrowdHealth sits on price vs every other plan? See the 2026 cost index.
Run the Numbers →Keep Comparing
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Samaritan Ministries
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Committed Christian members seeking traditional health sharing
Knew Health
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Wellness-focused, non-religious individuals, families, and self-employed people seeking an affordable secular cost-sharing community
CrowdHealth Is Crowdfunding, Not Health Sharing
CrowdHealth is a healthcare crowdfunding platform — not a health sharing ministry and not insurance. That distinction matters practically. With health sharing, your monthly contribution goes into a pooled fund that the ministry uses to pay eligible bills under published guidelines. With CrowdHealth, your money goes into two buckets: a fixed $60/month advocacy fee (pays for bill negotiation and platform operations) and a variable crowdfunding contribution (~$80/month average) that sits ready to fund other members' bills. When you have a medical event, CrowdHealth negotiates the bill and posts it to the community. Other members voluntarily fund it. There is no shared pool; there is no contractual guarantee. CrowdHealth reports 99% of submitted bills have been funded — a strong track record for a company founded in 2021 — but that is a historical rate, not a legal obligation.
For a direct comparison of how these two models differ on cost, pre-existing conditions, and risk, see our full breakdown of <a href="/blog/crowdhealth-vs-health-sharing" style="color:var(--color-primary)">CrowdHealth vs. health sharing plans</a>.
What CrowdHealth Costs in Practice
Total monthly cost for an individual under 55 averages ~$140/month and caps at $200/month (the $60 advocacy fee plus up to $140 in crowdfunding contributions). Ages 55–64 cap at $340/month. There is no family plan in the traditional sense — each person enrolls individually, which can make CrowdHealth expensive for larger families compared to plans with a bundled family rate. Per health event, you cover a $500 member commitment before community funding applies. There is no annual out-of-pocket maximum.
Pre-Existing Conditions: The Biggest Catch
CrowdHealth has the strictest pre-existing condition policy in the space. Conditions diagnosed or treated before enrollment are completely ineligible for community funding in years one and two. From year three onward, pre-existing-related bills are eligible for crowdfunding up to approximately $25,000/year — a permanent cap, not a phase-in. Verify the current limit directly with CrowdHealth, as their published terms have changed over time.
If pre-existing conditions are a factor, Zion HealthShare is a stronger option: it shares high blood pressure, high cholesterol, and type-2 diabetes from day one (if none caused hospitalization in the prior 12 months), with other conditions phasing in over time. See our full analysis of pre-existing condition rules across all plans in our <a href="/answers/pre-existing-conditions" style="color:var(--color-primary)">pre-existing conditions guide</a>.
Questions
Frequently Asked Questions
How much does CrowdHealth cost per month?
CrowdHealth individual plans start at $60/month and go up to $200/month depending on your IUA selection. Family plans start at $240/month. These are 2026 verified rates.
Does CrowdHealth cover pre-existing conditions?
CrowdHealth does not cover pre-existing conditions. A waiting or phase-in period applies before pre-existing conditions become fully eligible for sharing. Years 1-2: not eligible for crowdfunding | Year 3+: up to $25K/year (per current published FAQ). Note: Prior schedules showed higher Year 3+ limits — verify directly with CrowdHealth before enrolling.
Does CrowdHealth have a faith requirement?
CrowdHealth faith requirement: None — open to everyone. You do not need to be religious to join.
Is CrowdHealth health sharing or insurance?
Neither. CrowdHealth is a healthcare crowdfunding platform where members voluntarily fund each other's medical bills through an app. Health sharing ministries use a pooled contribution model under defined sharing guidelines. Insurance is state-regulated with legally guaranteed coverage. CrowdHealth is voluntary crowdfunding — the 99% historical funding rate is strong, but there is no legal obligation to pay any bill. For a full breakdown of how the two models differ, see our guide on CrowdHealth vs. health sharing plans.
Is CrowdHealth worth it?
CrowdHealth is worth it for young, healthy, secular individuals who want the lowest monthly cost (~$140/month average under 55), no faith requirement, no coverage cap per event, and month-to-month flexibility. It is not worth it for anyone with pre-existing conditions (no funding in years 1–2, $25K/year cap from year 3), anyone who needs contractually guaranteed coverage, or families who want a bundled family rate. If pre-existing conditions are a concern, Zion HealthShare covers high blood pressure, high cholesterol, and type-2 diabetes from day one.
Does CrowdHealth cover pre-existing conditions?
With significant restrictions. Pre-existing conditions are completely ineligible for community funding during your first two years. From year three, CrowdHealth funds pre-existing-related bills up to approximately $25,000/year — a permanent annual cap. Verify current terms directly with CrowdHealth, as these limits have changed over time. If you have a chronic condition, Zion HealthShare or Sedera have more forgiving pre-existing terms.
Head to Head
How CrowdHealth Compares
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