The Bitcoin Matrix

Andy Schoonover - Turning Healthcare Into Bitcoin Circularity

Feb 2, 2026
Andy Schoonover, founder and CEO of CrowdHealth, builds a community-powered alternative to traditional health insurance. He discusses breaking insurer-hospital incentives, cash-pricing and negotiated care, community-funded medical bills, and integrating Bitcoin circularity so healthcare payments can bypass the fiat system.
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INSIGHT

Why Healthcare Lacks Market Forces

  • Health insurance creates perverse incentives because buyers (insurers) and sellers (hospitals) both profit from higher prices.
  • Removing middlemen and introducing market forces reduces costs and reveals true prices.
ADVICE

Pay Cash To Cut Medical Prices

  • Pay providers directly in cash where possible to access much lower prices than insurance rates.
  • Use CrowdHealth's subscription and crowdfunding model to keep incentives aligned toward lower costs.
ANECDOTE

Joining Felt Social And Personal

  • Cedric describes joining CrowdHealth and feeling social accountability through newsletters and community requests.
  • He automated contributions and felt pride helping others with real medical needs.
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