We Have More Than a"Concept of a Plan"for Healthcare Costs
Unlike some people, we've actually done the math.
Starting at $200/month with complete transparency.
See every dollar. Verify every claim. Trust, but verify.
Disclaimer: This is satire referencing recent political debates about healthcare. But the transparency and business model are real. We actually have a plan, not just a concept. And unlike Congress, we show our math.
This is health cost sharing, NOT insurance. There is no guarantee of payment. You remain responsible for all medical bills. Pre-existing conditions subject to 12-month waiting period. Compare to unsubsidized ACA plans - those with employer coverage or ACA subsidies may not see comparable savings.
Healthcare Costs Are Out of Control
Individual ACA plans cost $450-$700/month
Plus $6,000-$9,200 deductibles - totaling $14,000-$17,600/year
Opaque pricing and hidden fees
You never know what you'll actually pay until the bill arrives
Self-employed? Gig worker? You pay full price
No employer subsidies means you bear the entire cost
Slow, frustrating claim processing
Wait 30-90 days for reimbursement while you stress about bills
Transparent, Community-Based Cost Sharing
Starting at $200/month
Three tiers: $200, $275, or $350/month based on your needs
See exactly where every dollar goes
Blockchain-verified reserves - no hidden fees, no mystery charges
Community-owned, member-governed
No shareholders extracting profits - surplus benefits members
Modern, fast claim processing
Target: 5-10 day processing via mobile app
*Compared to unsubsidized ACA marketplace plans. This is health cost sharing, not insurance. Individual results vary. Pre-existing conditions subject to 12-month waiting period.
Why Choose Concept?
We combine the best of health sharing, blockchain technology, and community governance
Complete Transparency
See every dollar: reserves, claims paid, operating costs. All verified on blockchain. No hidden fees, no surprises.
Blockchain-Verified Security
Funds secured by blockchain technology with multi-signature controls. Independently audited. No single person can access member funds.
Community Governance
Members vote on coverage policies, high-cost cases, and how surplus is distributed. True democratic control.
Mobile-First Experience
Submit claims in 2 minutes by uploading bill photos. AI-powered OCR extracts details automatically.
Fast Claim Processing
Target: 5-10 day processing. Receive payment via direct deposit or stablecoin to your wallet.
Flexible Sharing Limits
Choose your tier: $5K, $10K, or $15K annual sharing limit. Match your coverage to your risk tolerance.
Member-Owned
No external shareholders. Operating surplus may be returned to members when reserves are adequate.
Security & Compliance
Multi-sig treasury, audited smart contracts, HIPAA compliant infrastructure. Your data is protected.
Important: This is health cost sharing, not insurance. There is no guarantee that your medical expenses will be shared. You remain legally responsible for all medical bills. Pre-existing conditions are subject to a 12-month waiting period.
Compare Your Healthcare Costs
See how Concept compares to your current coverage
Your Current Costs
Compare to what YOU pay (not employer contributions)
Annual: $5,400
Deductibles, copays, coinsurance
Quick presets (Individual):
With Concept Standard
Important: This calculator compares to unsubsidized ACA marketplace prices. 92% of ACA enrollees receive subsidies paying significantly less ($74/month average). Check healthcare.gov to see if you qualify for subsidies.
This is health cost sharing, not insurance. There is no guarantee of payment. You remain responsible for all medical bills. Pre-existing conditions are subject to a 12-month waiting period.
Treasury reserves are blockchain-verified and visible 24/7.
Get Started in 4 Simple Steps
From application to reimbursement in days, not months
Apply & Get Approved
Complete health questionnaire (10 minutes). Instant approval for most applicants. No medical exam required.
Set Up Monthly Contributions
Connect your bank account or credit card. Automatic conversion to USDC stablecoin. Cancel anytime.
Submit Claims via Mobile App
Take a photo of your medical bill. AI extracts details automatically. Track status in real-time.
Get Reimbursed Fast
Approved claims paid in 5-10 days. Direct to your wallet or bank account. Simple, transparent, fair.
Built on Blockchain for Total Transparency
See Every Transaction
All contributions, claims, and expenses visible in real-time. Nothing hidden.
Multi-Signature Security
Multiple people must approve before funds move. No single point of failure.
Independently Verified
Third-party auditors can verify reserves without accessing private data
Be First to Access Real Savings
Join our waitlist for exclusive early access and founding member benefits
The Questions Politicians Won't Answer
But we will. With actual numbers. And receipts.
Still Skeptical? Good.
Skepticism is healthy. That's why we make everything verifiable. Join our waitlist and we'll show you exactly how the sausage is made. Spoiler: It's not as gross as Washington.
Ask Us Anything