Nat Eliason Explains Why He Canceled $36,000/Year Family Health Insurance for CrowdHealth
nateliason · x · 2026-11-07
Nat Eliason publishes a long-form post explaining why he canceled his family's health insurance and joined cost-sharing platform CrowdHealth:
- Trigger: As self-employed parents since 2021, premiums kept climbing as they had more kids. This fall their pediatrician stopped accepting their insurance, plus a mis-billed, uncovered test costing thousands was the last straw.
- The math: A family of five would need $3,000/month ($36,000/year) for equivalent coverage. With no preexisting conditions or medications, three births paid out of pocket, self-funded blood work and fitness trainers, the only actual insurance use was pediatric visits — far cheaper than $3,000/month out of pocket.
- Conclusion: He argues insurance no longer delivers value and claims can require constant fighting, so he switched to CrowdHealth, detailing how the cost-sharing model works and why it fits his family.
Related event: Blogger Ditches Family Health Insurance for CrowdHealth, Happy After a Year(2 posts)→
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