"Call me Ahab..."
Join the Hunt for theWhite Whale of Healthcare Costs
We've spotted it. The massive beast that's been crushing families with $44K/year in costs.
And we're not stopping until we've harpooned it.
"From hell's heart, I stab at thee; for hate's sake, I spit my last breath at thee..."
— Our message to bloated healthcare costs
A Beast Too Massive to Ignore
$44,120/year dragging you down
Like an anchor tied to your ankle, pulling you under
Drowning in opaque fees
Mystery charges appearing from the depths
Storm of denials and delays
Claims lost in bureaucratic tempests for months
Circled by profit-hungry executives
CEOs making $20M while your premiums rise 6%/year
"The creature is not to be trifled with. But neither is our determination..."
Armed with Transparency & Truth
Just $13,400/year all-in
70% less. The whale is wounded.
Every treasure chest visible
Blockchain means no buried loot. See every doubloon.
The crew decides our course
Democratic governance. Your voice on the quarterdeck.
Bounty shared among all
Surplus dividends to crew, not Captain's profit.
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 money.
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 Reimbursement
Get paid in 5-10 days via stablecoin to your wallet or direct bank transfer. No 90-day waits.
Fixed Out-of-Pocket Max
$5K individual, $10K family. No surprise bills or balance billing. Total cost certainty.
Reserve Growth Benefits
Funds earn safe, conservative returns. Growth shared with members as dividends - estimated $300-500/year.
Security & Compliance
Multi-sig treasury, audited smart contracts, HIPAA compliant infrastructure. Your data is safe.
See Your Potential Savings
Enter your current healthcare costs to calculate your savings
Your Current Costs
Annual: $33,120
Deductibles, copays, coinsurance
With Concept
* Estimates based on family coverage. Individual results may vary.
Member dividends depend on annual surplus and participation duration.
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 70% Savings
Join our waitlist for exclusive early access and founding member benefits
Fund Our Initial Treasury
Help us launch with financial security. Your philanthropic contribution will provide the initial treasury reserve to cover healthcare claims while our member pool builds.
💝 Your Impact
- Cover initial healthcare claims
- Provide financial stability from day one
- Help families who can't afford insurance
- 100% transparent blockchain tracking
🎁 Recognition
- Founding Philanthropist status
- Quarterly impact reports
- Optional governance advisory role
- Tax receipts & documentation
Seeking $3M Seed Investment
Join us in transforming healthcare financing. $12M post-money valuation, path to profitability in 18 months.
Strong Unit Economics
$1,750 profit per member with 14% margins at 10K members
Low Break-Even Point
Just 732 members needed for break-even, achievable in 12-18 months
Massive TAM
$1.2T U.S. health insurance market with 160M potential customers
Defensible Moat
Traditional insurers can't replicate: tech advantage + member-owned structure
Got Questions? We've Got Answers
Everything you need to know about Concept
Still Have Questions?
Our team is here to help. Reach out and we'll get back to you within 24 hours.
Contact Us