That model sounds horrific.

Pay $175/mo, the first $500 of every incident, and then when you do need money you have to beg the others members for it, and they'll decide if they want to "fund" you based on your own "generosity score" of funding other people.

> the company pays the bill for you

What? It says other members can choose to donate to you. There's no guarantee that they will. What's the ratio of paid in amount vs. paid out? Can they actually show that this is better than just stuffing money under a mattress?

Oh god and they're crypto affiliates. Most of their adcopy reads likes sovereign citizen hysterics. This will not end well.

It's not quite obese people. It's women who weigh 220+ lbs and men who weigh 260+ lbs. Interesting that it's absolute weights. You could be 5'0" man who weighs 230 lbs and qualify.

It also seems to exclude anyone who has ever used tobacco products daily for longer than 3 months. So if you have quit, you're out.

https://www.joincrowdhealth.com/faq

There's a long tail of expensive health care events that have little to do with lifestyle. As a model, it's intriguing, but I wonder how financially feasible this is. If everyone ate their kale, and did their squats, what would health care spending look like? Certainly better, but we all succumb to the ravages of time and most health care spending is back-loaded in life.

It would probably be even more cost effective if they didn't allow the mentally ill or people with congenital bone deformities or diabetes or long covid or high blood pressure.