Cooperative · Mutual Aid · Governance
People’s Solidarity Fund
Insurance is built on a conflict: it earns more when it pays less.
That incentive shows up as denials, delays, narrow networks, and administrative friction that wastes time and burns out providers.
PSF is a different financing structure: direct pay where possible; shared support when needed; governance and transparency as non-negotiables.
PSF is a cooperative healthcare financing model built around direct payment and community governance. It is not traditional insurance, nor is it a faith-based “sharing ministry.” It is not an informal mutual-aid cash pot with no structure. PSF is designed to be transparent, governed, and scalable without becoming an insurer.
Membership Contributions
2–6% of income
Solidarity Health Accounts
Personal savings for direct care
Direct Pay
To Providers
Support Pool
Mutual Aid
Democratic Governance
Provider-Led
Clinicians with lived experience of broken systems leading strategy, governance, and action
Collective Care
Mutual aid and solidarity-based support over individualized, market-based competition
Radically Transparent
Open books, public dashboards, strict admin caps, no hidden profit extraction or C-suite enrichment
Community Governance
Members and providers co-govern democratically without shareholder control or profit motives
Bold, Unapologetic
We name systemic failures explicitly and demand structural accountability without compromise
Sustainability Over Burnout
Fair compensation, reasonable workloads, and long-term movement resilience for all participants
Resources & Information
