Worker-owned home care in Boulder. Caregivers earn equity — so they stay. One physician reviews every care plan. Your family keeps the same face, visit after visit.
Start your free assessmentFive minutes. No commitment. $936/yr average HSA savings
When caregivers earn $25–28/hr W-2 plus cooperative equity, they stop leaving. The industry loses 3 in 4 caregivers every year — 75% annual turnover per the 2025 Activated Insights Benchmarking Report. Our target is under 15%. Your family keeps the same face.
Josh Emdur DO issues a Letter of Medical Necessity that makes your $59/mo membership HSA-eligible. At a 32% tax bracket, the average family saves $936/year using pre-tax HSA dollars. Care that pays for itself.
Josh Emdur DO has been a hospitalist at Boulder Community Health since 2008. He reviews and signs every care plan. Not an algorithm with a disclaimer. A doctor who knows Boulder, and whose name is on the letter.
Sage, our AI guide, asks the right questions and builds a care profile for your family. No forms, no phone call, no commitment. Takes five minutes and the results are yours to keep.
Josh Emdur DO reviews the match for clinical fit. Every caregiver is a W-2 employee—background-checked, insured, and a member-owner of the cooperative. Not a contractor, not a gig worker.
Families get the consistency that most agencies can't offer because their caregivers leave. Ours stay because they own equity in what they build—$25–28/hr W-2, accruing every shift.
Every home care agency in Boulder has the same structural problem: they extract value from caregivers to return profit to investors. That model produces 75% annual turnover (Activated Insights 2025). Turnover destroys care quality—your parent meets a new stranger every three months. Nearly four in five caregivers leave within their first 100 days on the job.
co-op.care is organized as a Colorado Limited Cooperative Association under § 7-58. Profits above operating costs return to the workers who earned them. Not to a private equity firm in another state.
A caregiver who owns a stake in what they are building does not leave for a 50-cent wage bump elsewhere. Cooperative Home Care Associates in New York City runs at 15% turnover—versus 75% industry average—and has since 1985. The model is 40 years old. Boulder is getting it now. Ownership is what makes it stick.
Your $59/mo is not a subscription fee extracted by a platform. It funds the operating infrastructure—matching, scheduling, insurance, physician oversight—of a cooperative you belong to.
The Activated Insights 2025 Home Care Benchmarking Report tracks turnover across thousands of agencies. The numbers below are from that report and the Genworth/CareScout 2024 Cost of Care Survey — the two most widely cited datasets in the industry.
Activated Insights 2025 Benchmarking Report. Rate was 79% in 2023. Nearly 4 in 5 caregivers leave within their first 100 days of employment.
Activated Insights estimate — recruiting, onboarding, training, and administrative time. For an agency with 10 caregivers, that is $19,500/year in replacement cost alone.
Genworth/CareScout 2024 Cost of Care Survey (15,000+ agencies surveyed). $77,792/yr assuming 44 hrs/week. Colorado runs above the national median.
Cooperative Home Care Associates, South Bronx, NYC — worker-owned since 1985. Five times lower than the industry. The same structural model co-op.care is building in Boulder.
Sources: Activated Insights 2025 Benchmarking Report · Genworth/CareScout Cost of Care Survey 2024 · NCEO — Cooperative Home Care Associates
Boulder Community Health is a quarter-mile from the first families we serve. At 200 signatures, the petition gets hand-delivered to BCH leadership—a specific trigger for a specific partnership conversation.
This is not a fundraise. No money changes hands. It is Boulder residents telling their community health system what they need. Add your name and you will hear when we reach 200.
Across 30 years, the average American family loses $500K–$1.5M to the traditional aging trajectory: nursing-home costs, adult-child caregiver opportunity cost, Medicaid spend-down, tax-inefficient spending. The cooperative preserves $300K–$500K of that.
Modeled estimate. Anchored to Genworth Cost of Care, BLS, AARP Valuing the Invaluable, MetLife Mature Market Institute, and CMS Medicaid spend-down data. Empirical anchor study underway in the Boulder pilot—year-1 outcomes will validate or revise the projection. How we test this
Josh Emdur DO—board-certified hospitalist, BCH since 2008—is the physician of record for co-op.care. He reviews and signs every care plan. He issues the Letters of Medical Necessity that make your membership HSA/FSA-eligible. AI drafts. The physician decides. The family sees the name—not a platform disclaimer.
“The moat is whoever first connects grounded clinical evidence to physician-earned trust.”
“I will not go to the emergency room.”
Andrej Rosenthal said this again and again as he was dying of esophageal cancer. His wife—a doctor—built him a home hospital so he wouldn’t have to.
This is the answer.
Read the manifestoIRS §213(d) defines medical care as amounts paid for the diagnosis, cure, mitigation, or treatment of disease, or for the purpose of affecting a structure or function of the body. A Letter of Medical Necessity, signed by a licensed physician, establishes that home care or companion care services meet this standard for a specific patient. Your HSA or FSA administrator then accepts the LMN as documentation for reimbursement.
HSA eligibility for companion care depends on the nature of the care and your plan administrator's requirements. An LMN from a licensed physician documents medical necessity under IRS §213(d). Care hours must be medically necessary as documented. Consult your tax advisor and HSA administrator. Rates and savings are illustrative; actual results depend on your tax bracket, HSA contribution limits, and plan administrator's determination.
One membership covers your whole family. Josh issues the LMN that makes this HSA-eligible—most families recoup the full cost in pre-tax savings. Cancel anytime. Boulder's founding cohort locks the $59 rate permanently.
HSA eligibility depends on your plan. Consult your HSA administrator.
Care hours billed separately at $35–45/hr as needed.
Sage asks five questions and builds your family's care profile. Takes five minutes. No agency call, no paperwork, no commitment. The results—and the $936/yr HSA savings calculation—are yours to keep.
Start the free assessmentWhen 200 signatures land, a physical letter goes to Boulder Community Health — from the residents they serve. — signed so far.
Leave your email. One message when your spot is confirmed—no newsletter, no sales sequence. Your address gets you a seat at the founding cohort rate of $59/mo, locked permanently.