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Health care costs are not just confusing, they are often unknown until after the bill arrives. Many times, even your doctor can’t tell you at the time of your visit what a procedure is going to cost you because they don’t have access to your current insurance plan status or know how much of your deductible has been met.

That’s not crowdfunding. With crowdfunding, the end product doesn’t even exist. You need to convince people to give you money for something that they won’t receive for months (and possible longer).