Boulder, CO · Worker-Owned · Physician-Supervised
$59/month membership. Pays for itself — save $936/year using HSA/FSA pre-tax dollars. When you need care, the caregiver already knows your name.
How it works
No forms. Sage has a real conversation — learns about your mom, your schedule, what keeps you up at night.
Free care needs assessment. Physician-reviewed. 10 minutes. Sage builds your family's living care profile.
A 50-state licensed physician signs your Letter of Medical Necessity. Your HSA/FSA unlocks. Care costs 32% less immediately.
Matched from your neighborhood. She already knows the context. She earns equity for staying — and she stays.
What $59/month gets you
The cooperative difference
Home care has 77% annual turnover. Families lose caregivers constantly. We built a different structure — one where staying is in everyone's interest.
Caregivers earn $25–28/hr W-2 with cooperative equity. Every hour builds their ownership stake. After 90 days, they vote on how the cooperative runs.
Josh Emdur DO — licensed in all 50 states, BCH hospitalist since 2008 — reviews every clinical output before delivery. AI drafts. He decides.
Colorado Limited Cooperative Association. 51% patron voting enforced by law. Cannot be acquired. Cannot be flipped. Cannot extract.
HSA/FSA Calculator
Care through co-op.care is HSA/FSA eligible. Pay with pre-tax dollars and keep 28–36% instantly.
Based on 32% combined tax rate. HSA/FSA pays with pre-tax dollars — you keep the difference.
A real family
Her mother was 79, living alone in Boulder. Falls risk. Cognitive decline starting. Sarah was flying in from Chicago every few months, losing sleep in between.
She talked to Sage. No forms — just a real conversation about her mom's situation. Within a week, her mom had a care assessment, a physician-signed LMN unlocking her HSA, and a caregiver named Maria who lived four blocks away.
Maria had been a caregiver-owner for six months. She knew the neighborhood. She had equity in the cooperative. She wasn't going anywhere.
Sarah still calls weekly. But she sleeps through the night now.
The living profile
CareGoals and ComfortCard work together. Your family's care preferences, advance directive, and emergency profile — all built from natural conversations with Sage.
The advance directive writes itself — from conversations with Sage about what matters to her. Physician-reviewed. Legally binding.
Sage captures stories during care visits. Her recipes, her memories, her values. Living archive for family — not just a medical record.
QR + NFC emergency profile. Every first responder sees her allergies, medications, healthcare proxy, and wishes — instantly, from her wallet.
Boulder, CO. Launching 2026. $59/month. Your first assessment is always free.
Built for compliance. Built for families.
co-op.care vs. the alternatives
| Feature | co-op.care | Care.com | Staffing Agency |
|---|---|---|---|
| Caregiver annual turnover | 35–40% (target) | 77% industry avg | 70–85% |
| Caregiver employment type | W-2 + equity | 1099 independent | W-2 (agency keeps margin) |
| Caregiver hourly rate | $25–28/hr to worker | Varies, often $15–18 | $18–22 (agency keeps $8–15) |
| Physician oversight | Josh Emdur DO, 50 states | None | None |
| HSA/FSA LMN support | Yes — $199 or included | No | No |
| AI care coordination (Sage) | Yes — no forms | No | No |
| Advance directive / ComfortCard | Yes — built-in | No | No |
| Monthly cost to family | $59/mo membership + care | No membership, per-hire fees | $300–600 placement fee |
Care.com turnover figure from PHI National 2024 report. Co-op.care turnover is a projection based on cooperative equity ownership model; not yet validated at scale.
Common questions
The base membership is $59/month. That includes access to Sage, your family's living care profile, advance directive support, and ComfortCard. If you need a Letter of Medical Necessity (LMN) to unlock HSA/FSA eligibility, that is $199 for non-members or included with annual membership. Companion care — actual caregiver hours in your home — is priced separately at $400–$12,000/month depending on hours and care intensity. Many families find the membership pays for itself in HSA/FSA tax savings alone ($936/year average).
Yes, with a physician-signed Letter of Medical Necessity (LMN). Under IRS Section 213(d), care services that address a diagnosed medical condition are HSA/FSA eligible when supported by a physician's medical necessity documentation. Josh Emdur DO (licensed in all 50 states) reviews and signs LMNs for co-op.care members. This is not a guarantee — eligibility depends on your specific plan and care needs. We recommend confirming with your HSA/FSA plan administrator.
Yes. If you have someone in mind — a neighbor, a trusted community member, a friend's relative who is interested — we can onboard them as a co-op.care caregiver-owner. They go through the same background check and orientation as all caregivers. The cooperative structure means they earn equity from day one, making them more likely to stay long-term. This is not just allowed — it is often the best outcome.
co-op.care operates 7 days a week, including evenings and weekends. Scheduling happens through Sage — no holding queues, no agency dispatch. Your caregiver-owner sets her availability, and Sage matches scheduling to your family's needs. For live-in or overnight care, we have a separate live-in model. Coverage outside Boulder, CO, is available through our LMN-only national service while we expand the caregiver cooperative geographically.
Three differences. First, caregivers are worker-owners — they earn $25–28/hr W-2 plus equity, which produces dramatically different retention. Second, every clinical output (LMN, care assessment, advance directive) is physician-supervised by Josh Emdur DO. Third, the $59/month membership includes AI coordination (Sage), living care profile, and ComfortCard — not just caregiver dispatch. Most agencies provide a caregiver. co-op.care provides a care system.
The LMN and physician-supervised care coordination services are available nationally — Josh Emdur DO holds licenses in all 50 states. Companion care (in-home caregivers) is currently available in the Boulder, Colorado area during our founding phase. We are building toward national cooperative expansion. Families outside Colorado can access the membership, Sage, and LMN services today.
co-op.care is organized as a Colorado Limited Cooperative Association (LCA). By law, patron members (caregivers) hold 51% or more of voting control. This means the cooperative cannot be acquired by private equity, cannot be sold to an investor who extracts margin by cutting caregiver pay, and cannot flip its business model. The structure is legally enforced — not just a mission statement.
Sage is co-op.care's AI care coordinator — a conversational interface built on Claude. Sage handles care needs assessments, builds your family's living profile, and coordinates scheduling. Sage does not replace human caregivers or physician oversight. Think of Sage as the intake coordinator and care manager who is always available: no forms, no hold music, no office hours. All clinical decisions are reviewed by Josh Emdur DO.
ComfortCard is a digital health identity card — QR code and NFC — that gives first responders and care providers instant access to your family member's essential health information: medications, allergies, healthcare proxy, and wishes. It lives in Apple Wallet and can be printed. It is built from information Sage captures during regular conversations — not a separate form to fill out.
Now. The free care needs assessment is available at any time — no forms, just a conversation with Sage. Companion care placement in Boulder, CO, typically takes 3–7 days from assessment to first visit. LMN service is available to members nationally within 48–72 hours of assessment.
This platform provides health information and care coordination tools, not medical advice. All clinical services are supervised by a licensed physician. Always consult a qualified healthcare provider for diagnosis and treatment.
Part of the SolvingHealth ecosystem
co-op.care Technologies LLC — Boulder, Colorado. Worker-owned. Physician-supervised.