Eligibility · pre-existing · dated FAQ
CrowdHealth pre-existing conditions: what the FAQ actually says
Related care for previously diagnosed conditions is usually not eligible for crowdfunding in years 1-2. Starting year 3, up to $25K/year related may be submitted (company FAQ, September 29, 2026). If you need near-term related care funded with certainty, keep insurance.
Who this page is for
Households with known conditions deciding whether crowdfunding risk is sane. If you need near-term related care funded with certainty. keep insurance.
Hard rule: heavy near-term pre-existing needs are a common reason I tell people not to join.
The short version
Years 1-2
Related pre-existing bills not eligible for crowdfunding (per FAQ).
Year 3+
Up to $25K/year related may be submitted for crowdfunding (per FAQ).
Unrelated new events
Separate eligibility rules still apply. plus member commitment + voluntary funding.
FAQ language (paraphrased, dated September 29, 2026)
- Procedures/treatments tied to pre-existing conditions: not eligible years 1-2; limited thereafter.
- Year 3+: up to $25K/year related to previously diagnosed or documented conditions may be submitted for crowdfunding.
- Other never-eligible examples (not exhaustive): cosmetic, long-term prescriptions, fertility/infertility treatments.
Read Member Guide. Caring Abundantly and talk to a CrowdHealth specialist about your history. This page is educational, not underwriting.
| Component | Shape (company-reported, September 29, 2026) |
|---|---|
| Advocacy fee | $60 per member / month |
| Crowdfunding max (standard) | Ages 0-54: up to $140; 55-64: up to $280; family of 4+: up to $420 |
| Published average | ~$142/mo individual under 55 ($60 + ~$82 crowdfunding) |
| Member commitment | $500 per eligible health event; $3,000 for eligible global pregnancy event |
| Black Swan tier | Lower monthly crowdfunding maxes; $15,000 commitment; maternity not eligible |
Sources: How it works, FAQ. Not a personalized quote. CrowdHealth is not insurance; funding is not legally guaranteed. Verify live.
Who should skip CrowdHealth
- You need a contractual payment obligation. Stay on ACA or traditional insurance.
- Tobacco, weight, or age gates fail. Check the current FAQ (tobacco history, 220 lb female / 260 lb male, membership ends at 65).
- Heavy near-term pre-existing needs. Related crowdfunding is usually closed in years 1-2; year 3+ has a related cap.
- You need MEC in a mandate state. Membership does not satisfy MEC (CA, DC, MA, NJ, RI, VT named; verify your state).
- You need HSA-fundable premiums. The membership fee is not HSA-fundable per FAQ framing.
- Expected delivery is under 300 days after mom joins. Maternity crowdfunding is not eligible in that window.
Official sources
- CrowdHealth How it works. advocacy fee, crowdfunding caps, member commitment, model overview. Research-dated September 29, 2026.
- CrowdHealth FAQ. eligibility (tobacco, weight, age), maternity 300-day rule, MEC, pre-existing framing. Research-dated September 29, 2026.
- Member Guide. member process detail. Research-dated September 29, 2026.
- Referral program. member-referral rewards and friend promo framing. Research-dated September 29, 2026.
What we left out on purpose
- Any invented “funding success rate” or audit claim we cannot cite from CrowdHealth’s public pages.
- Personalized quotes, underwriting outcomes, or tax advice.
- Calling CrowdHealth insurance, MEC, a ministry, or a guaranteed payment product.
- State-by-state mandate encyclopedias (deferred until law verify). We name CA, DC, MA, NJ, RI, VT and say verify your state.
- Justin’s household ~$1,800 → ~$700 numbers as anything other than a labeled personal anecdote.
Member referral. Verify live with CrowdHealth. Full disclaimers in the footer.