Our approach
How the model works.
Four simple ideas that fix what's broken. We're building it now, and our first members help shape the details.
1. A transparent pooled fund
Members pay into one shared community fund. The fee, and exactly what it pays for, is published before anyone joins.
2. No middlemen
We pay providers directly, at their posted prices, instead of passing money through layers that each take a markup. Members get direct primary care with a doctor who knows them.
3. Never profits from saying no
We charge a flat, published admin fee. Whether a request is approved or denied doesn't change what we earn by a single cent, so there's no reward for saying no.
4. Member voice
Members help shape the rules. That starts now: waitlist answers and early member calls feed directly into the design.
Where every dollar goes
Three buckets. All public.
Every dollar lands in one of three places, and we show you the split.
- CareMost of the pool pays for members' care at posted prices.
- A backstopProtection for rare, very expensive events, so one big bill never sinks the pool.
- Our flat feeA stated admin fee to run things. Published, and never tied to denials.
Where we are
Early, and building fast.
We're finalizing pricing, launch timing, and the first states, and working through the legal and regulatory steps any health program needs. Waitlist members hear first and help shape the details.
Help build health care with nothing to hide.
Join the waitlist, tell us what's broken for you, and help shape what Pool Health becomes.
Join the waitlist