Eligibility · tobacco · weight · age
CrowdHealth eligibility: tobacco, weight, and age
Three hard gates show up in the public FAQ: tobacco history, weight limits (220 lb female / 260 lb male), and age (membership ends at 65). Verify the live wording before you spend a sales call.
Who this page is for
Self-employed shoppers checking hard gates before a sales call. Full fit page: Who it’s for / not for.
The short version (September 29, 2026 FAQ)
Tobacco
Not open to tobacco users. FAQ defines as everyday tobacco for a year or more at any time in your life.
Weight
Not open if over 220 lb female / 260 lb male (FAQ). Kids exempt in prior public framing. verify live.
Age
Membership ends when you turn 65 (Member Guide). Primary members are adults. verify signup rules live.
Dated gate table
| Gate | Company-reported framing (September 29, 2026) |
|---|---|
| Tobacco | Everyday use for ≥1 year at any time in life → not currently open |
| Weight | Over 220/260 (F/M) → not currently open |
| Age 65+ | Membership ends at 65 |
| Pre-existing | Related crowdfunding closed years 1-2; year 3+ ≤$25K/yr related |
| Maternity timing | Expected delivery < 300 days after mother’s start → maternity not eligible |
| MEC / mandates | Membership does not satisfy MEC (CA, DC, MA, NJ, RI, VT named) |
Sources: CrowdHealth FAQ + Member Guide. Wording can change. confirm before enrollment.
| Component | Shape (company-reported, September 29, 2026) |
|---|---|
| Advocacy fee | $60 per member / month |
| Crowdfunding max (standard) | Ages 0-54: up to $140; 55-64: up to $280; family of 4+: up to $420 |
| Published average | ~$142/mo individual under 55 ($60 + ~$82 crowdfunding) |
| Member commitment | $500 per eligible health event; $3,000 for eligible global pregnancy event |
| Black Swan tier | Lower monthly crowdfunding maxes; $15,000 commitment; maternity not eligible |
Sources: How it works, FAQ. Not a personalized quote. CrowdHealth is not insurance; funding is not legally guaranteed. Verify live.
Who should skip CrowdHealth
- You need a contractual payment obligation. Stay on ACA or traditional insurance.
- Tobacco, weight, or age gates fail. Check the current FAQ (tobacco history, 220 lb female / 260 lb male, membership ends at 65).
- Heavy near-term pre-existing needs. Related crowdfunding is usually closed in years 1-2; year 3+ has a related cap.
- You need MEC in a mandate state. Membership does not satisfy MEC (CA, DC, MA, NJ, RI, VT named; verify your state).
- You need HSA-fundable premiums. The membership fee is not HSA-fundable per FAQ framing.
- Expected delivery is under 300 days after mom joins. Maternity crowdfunding is not eligible in that window.
Official sources
- CrowdHealth How it works. advocacy fee, crowdfunding caps, member commitment, model overview. Research-dated September 29, 2026.
- CrowdHealth FAQ. eligibility (tobacco, weight, age), maternity 300-day rule, MEC, pre-existing framing. Research-dated September 29, 2026.
- Member Guide. member process detail. Research-dated September 29, 2026.
- Referral program. member-referral rewards and friend promo framing. Research-dated September 29, 2026.
What we left out on purpose
- Any invented “funding success rate” or audit claim we cannot cite from CrowdHealth’s public pages.
- Personalized quotes, underwriting outcomes, or tax advice.
- Calling CrowdHealth insurance, MEC, a ministry, or a guaranteed payment product.
- State-by-state mandate encyclopedias (deferred until law verify). We name CA, DC, MA, NJ, RI, VT and say verify your state.
- Justin’s household ~$1,800 → ~$700 numbers as anything other than a labeled personal anecdote.
Member referral. Verify live with CrowdHealth. Full disclaimers in the footer.