Healthcare Powered byUSDC Transparency
Reduce healthcare costs 70%+ with blockchain-native infrastructure.
On-chain reserves. Real-time verification. Zero opacity.
Technical Architecture
Traditional Healthcare: Opaque & Inefficient
$44,120/year average family cost
Premiums + deductibles + out-of-pocket maximums
Zero visibility into reserves
Black box accounting. Trust us, we have the money... probably.
30-90 day claim processing
Manual reviews, fax machines, and bureaucratic delays
15-20% overhead + profit extraction
CEO bonuses, shareholder dividends, marketing spend
Technical Reality: Healthcare incumbents run on decades-old databases, manual processes, and perverse incentive structures. They can't be transparent because their legacy systems weren't built for it.
Built on Stablecoin Infrastructure
$13,400/year all-in pricing
70% reduction. Zero hidden fees. Smart contract enforced.
100% on-chain reserve transparency
View treasury balance in real-time. USDC on Polygon. Auditable 24/7.
5-10 day automated claim processing
Smart contract logic + AI verification. No fax machines.
4-8% DeFi yield on reserves
Conservative strategies (Aave, Compound). Returns to members.
Tech Stack:
Why Blockchain Beats Traditional
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
Deep Dive: How It Actually Works
For the technically curious. No hand-waving, just architecture.
Want to Go Deeper?
Read our technical whitepaper, review our smart contracts on GitHub, or join our Discord to discuss architecture with the engineering team.
🔍 Verify Everything
Don't trust our claims - verify them yourself:
- • Smart Contracts:
github.com/crypto-health-share/contracts - • Treasury Wallet:
polygonscan.com/address/0x...(post-launch) - • Audit Reports:
docs.cryptohealthshare.com/audits - • Financial Dashboard:
app.cryptohealthshare.com/transparency