694. How to Leave the Health Insurance System & Pay Way Less for Better Care w/ Andy Schoonover
From The Life Stylist · 02:00:57
Show by Luke Storey
There's a better way to protect your health than paying for health insurance.My guest Andy Schoonover, founder of CrowdHealth, quit insurance after his plan refused to pay for his daughter's $8,000 ear procedure and built a parallel system.Paying cash shocked him. The same stress echo test that cost another man's insurance plan $5,000 cost him $225, and his pediatrician knocked 40 or 50 percent off the bill once insurance left the room.Andy explains how nearly 20 percent of claims get denied by design, why doctors see only eight cents of every healthcare dollar, and how 35,000 people are funding each other's medical bills through CrowdHealth.He also shares why he's willing to go to war with the system, even after death threats and regulatory fights.If you've ever opened an insurance bill and felt your stomach drop, this one is for you.Visit lukestorey.com/joincrowdhealth and use code LUKESTOREY to join for just $99 per member per month for the first three months.You'll learn:[0:00] Introduction[5:27] A moral obligation to fix a broken system[9:40] Up to four million would-be entrepreneurs held back by health insurance[23:54] Routing it through insurance locks you out of cash pricing[28:48] Andy ghosts a surprise bill he had no moral obligation to pay[37:16] The cortisol toll of living in medical debt[47:25] Why identical procedures cost wildly different amounts[54:25] Live hard and die fast instead of the nursing home[1:08:07] Members self-select out of broken systems[1:18:45] The best doctors are going cash-only[1:25:14] Starving the parasitic industry by taking your money back[1:31:03] The perceived downside of being responsible for your own bills[1:39:21] Bitcoiners and CrowdHealth share a similar worldview[1:48:48] Losing Grace and how it shaped Andy’s missionResources Mentioned:Visceral Fat | WikipediaFull show notes at lukestorey.com/crowdhealthFind more from Andy Schoonover: CrowdHealth | Website | Instagram | Facebook | X | TikTok | YouTubeFind more from Luke:Luke Storey | Website | Instagram | Facebook | X | YouTube | LinkedInMy new book, A Horse Named Lonesome, launches November 17, 2026. Pre-order now at ahorsenamedlonesome.com and get bonuses: access to my Inner Circle Book Club, an exclusive Lonesome Conversations six-part miniseries, and an ebook transcript of the series.The Life Stylist is Brought To You By:URBAN ROOTS | Visit lukestorey.com/urbanroots and use code LUKE to save 15% off your first jar or 25% off your first month when you subscribe.BIOPTIMIZERS | Visit bioptimizers.com/luke and use code LUKE15 to save 15% off sitewide.ACTIVE SKIN REPAIR | Visit lukestorey.com/skinrepair and use code LUKE for 20% off your order.QUANTUM UPGRADE | Visit lukestorey.com/quantumupgrade and use code LUKE15 to start your 15-day free trial.
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