Exit The Matrix: How to Stop Feeding The Health Insurance Parasite

CrowdHealth

The medical industrial complex (pharma, hospitals, health insurance) profits from you being sick and then treating your illness with expensive drugs and costly medical procedures.

CrowdHealth’s mission is to equip you with the tools to break free from corporate-run sick care and enable you to viably pay for your health needs through a consumer-centric, parallel system.

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Use code JOSHTRENT for 3 months at $99 per member

In This Episode, Andy Schoonover Uncovers:

[01:05] The Parasite That Lives Inside Health Insurance

• How more than 90% of Americans have health insurance, yet 107 million are in medical debt.
• Why the explanation of benefits form is designed specifically to prevent you from understanding what you are being charged.
• How an insurance company was given a plain-language translation of its billing jargon and pulled it back the moment members started finding errors.
• Why a mother who had just given birth to a baby girl was billed for a circumcision once that translation was in plain English.

Resources:

• CrowdHealth – Use code JOSHTRENT for 3 months at $99 per member.

[04:50] Why We Stay in a System We Know Is Broken

• Why almost everyone instinctively knows the system is broken the second you say the words “health insurance.”
• How Andy describes the pattern of paying into a system you privately hate as the Stockholm syndrome of American healthcare.
• Why fear is what keeps people inside a system they are revolting against every month.
• How financial stress hits all five pillars of wellbeing at once and why removing it heals the others.
• The reason money is the root of so much suffering and why the healthcare system deliberately weaponizes that root.

[09:10] The Economics of the Sick Care System

• Why the current system is structurally impossible to fix from within because both the buyer and the seller of healthcare want prices to go up.
• How UnitedHealth Care is legally allowed to keep only 15 cents of every premium dollar, which means the only way to grow profit is to grow the premium.
• Why a health insurance company would actually lose money by lowering your premium and why that makes internal reform impossible.

[16:05] Getting Out of the Quicksand

• Why antibiotics prescribed for chronic sinusitis destroyed Josh’s gut, caused weight gain, and cascaded into years of downstream health issues.
• How doctors are given only 8 to 12 minutes per patient on average, which forces a pharmaceutical-first approach because there is no time to explore root causes.
• The reason most people do not realize how broken the system is until the day it fails them personally and completely.
• How Andy’s own daughter needed a 15-minute ear tube procedure and received an $8,000 bill the insurance company refused to pay, calling it not medically necessary.
• What Andy did after two rounds of appeals both got denied.

[20:55] The Diabetes Study They Shut Down

• How Andy’s earlier company helped diabetic patients in the Rio Grande Valley reduce their tortilla intake one at a time and watched blood sugar decline in real time.
• Why the insurance plan shut the program down after 75% of participants were no longer diabetic within a year.
• How fewer diabetics meant fewer premiums, which meant lower profit, and that was unacceptable to a publicly traded company.
• How that moment of rage took Andy five years to fully process before he sold the company and walked away.

[24:15] The System Is Designed to Keep You Sick

• Why the sick care model only functions if people stay sick, the same way a parasite needs a living host to feed from.
• How Andy discovered through years of primary research that programs that actually heal people are being shut down by the system.
• Why the most powerful act of rebellion against this system is not fighting it but simply exiting it and redirecting your money.
• How Josh’s family discovered one month after joining CrowdHealth that they’ll save thousands of dollars a year.
• 50,000 funding requests have been sent over five years with all but 32 funded, and those 32 were people who had previously said no to others in the community.

[31:00] Supporting Community by Cost Sharing

• How government intervention replacing community care over the last 30 years has eroded the human instinct to help the person on your street.
• Why pregnancies are the top cost in the CrowdHealth community right now.
• How women who have had miscarriages regularly write in asking to give double the requested amount.
• The importance of having a direct connection to helping other people.

[37:50] Why 40% of CrowdHealth Babies Are Born at Home

• How 1.6% of babies are born at home in America while 40% of births inside the CrowdHealth community happen at home.
• How the people who join CrowdHealth have already chosen to think for themselves rather than be driven by fear about what might happen.
• Why chronic low-grade fear from medical bills keeps the body in fight or flight.
• How that sympathetic state impairs digestion, causes stomach issues, and triggers a pharmaceutical fix.
• Why Andy’s daughter Grace was born with a fatal condition and lived only 10 and a half hours, and how that grief became the spiritual foundation for everything he built after.
• How the death threats and blacked-out SUV parked outside his home confirmed that CrowdHealth is in a real war because approximately $2 trillion is at stake.

[47:10] The Best Way to Fight the War Is to Exit It

• Why fighting the healthcare war with your fists just perpetuates the conflict and keeps feeding the thing you are fighting against.
• How removing your money from a parasitic system is what actually kills the parasite.
• How the death of his daughter Grace ripped the selfishness out of him in a way that no financial success ever could have.
• What Andy’s early CEO years looked like.
• How the day the wire hit his Bank of America account after selling his company turned out to be completely anticlimactic.
• Why the wealthiest people Andy meets now often seem to carry a darker cloud over them because money has become their God instead of serving their life.

[54:55] You Are Never Chasing the Number

• How ownership practiced unconsciously becomes the same trap as healthcare practiced unconsciously.
• Why worrying constantly about flood damage on the lake house meant never actually enjoying the lake house.
• How golfer Scottie Scheffler responded when asked about completing the Grand Slam by saying the goalpost would just move to the next thing and then the next.
• Why once you have a million you want ten million, and the race never ends because it was never really about the number.
• What Andy has heard directly from many men about measuring their entire worth as a human being by the number in their bank account.
• How millions of people simply do not know there is an alternative and have assumed traditional health insurance is the only option that exists.

[01:01:30] Exiting the System

• Why proactive care for men gets incentivized in CrowdHealth the same way good driving lowers your car insurance rate.
• How the three metabolic tests CrowdHealth uses as proxies for overall health are visceral fat, fasting insulin, and high-sensitivity C-reactive protein.
• Why members who pass all three tests receive a 20% discount on their monthly CrowdHealth costs.
• How the community itself funds the three metabolic tests so members are not paying out of pocket to get a baseline reading.
• How one man who was over the weight limit and ineligible to join sent Andy a photo two years later at the finish line of a triathlon with his wife as new members.
• Why CrowdHealth rewards results rather than activity because 10 dollars for walking 2,000 steps is not a meaningful incentive but 20% off your healthcare bill is.
• What Andy wants to see his 90-year-old members doing.

[01:07:15] Who Is Already Around the Fire

• How the Buddha’s most important health teaching applies here: the trouble is you think you have time.
• 600 babies are expected to be born through CrowdHealth this year.
• How the best way to fight any parasitic system is to stop feeding it and redirect your money toward what actually gives you life.
• Why the path to sovereignty starts with trusting a sovereign creator, which then makes unhooking from every fear-based system feel possible rather than terrifying.
• How generosity in America has declined because people have assumed the government will take care of their neighbor’s suffering so they do not have to.

[01:14:00] Travis Is Alive Because of CrowdHealth

• What brings Andy the most joy outside of CrowdHealth.
• How CrowdHealth member Travis was diagnosed with stage four cancer and told by his insurance company that approving his tests would take so long he would likely be gone before they cleared.
• Why Travis told the hospital he was a direct-pay patient with no insurance and the tests were scheduled immediately.
• How Travis is now cancer-free, and how he has said directly that if he had stayed in the insurance system, he would be dead right now.
• How CrowdHealth’s mission to legit love their members is something Andy lives out personally by manually reviewing and sending almost every single funding request himself.

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All Resources From This Episode

• CrowdHealth – Use code JOSHTRENT for 3 months at $99 per member.