A working economy for the work that used to be invisible. Care moves through it. Time and dollars settle in two lanes that never blur. The page below is your onboarding and your dashboard — same thing. Watch it move while you step into it.
… members so far · honest count from the cooperative ledgerThe flow this economy holds
No sign-in needed for this. Three quick choices, then your panel of numbers appears below — what your time is worth, what's protected, what's recoverable. The same panel becomes your real dashboard the moment you claim a member share at the bottom of this page.
Members exchange care in time (one hour at par, banked and spendable inside the cooperative) and dollars (paid care, with the surplus returning to members as patronage equity, not to outside shareholders). Below is what moves on each lane today and what's queued to add. Every tile links to where that service actually lives.
Check-ins, errands, light meal prep, an hour of presence. The simplest exchange in the network. Most-used by far.
Member rate to a DPC clinic in your region. Monthly subscription, no copay, longer visits. The first physician contact when something feels off.
AI-drafted, physician-of-record attested, files into your HSA/FSA. Unlocks pre-tax dollars for what was already eligible.
Five small prompts. Directives agent drafts. Wishes carried by a doula, not a payer or platform. The humane and loving exit, planned.
Member-to-member rides, time-credit settled. The smallest service that keeps everything else working.
Cooking for someone whose mobility is limited. Often the bridge that keeps an older adult home instead of placed.
A 30-second walk recorded on your phone produces a gait score. Falls predicted weeks before they happen.
Three minutes. Captures the modifiable risks (vision, meds, home hazards, balance). Attested by a clinician of record.
Post-op exercise adherence tracked via phone camera. CMS-billable (98975, 98985). PT practice keeps most; member sees lower copay.
Community-owned kombucha tap, bulk staples, refills you bring your own jar to. The metaphor proof that the form generalizes outside care.
Eligible expenses flagged in real time. HSA/FSA dollars released against the LMN. The family is the cardholder, not the individual.
A trained companion through hospice, hospital, or home death. The doula carries the wishes, not the platform.
The four people who help mom — shift schedule, note thread, last-visit summary, directive snapshot. Free with membership.
The flat $49 LMN that converts otherwise-ineligible expenses (massage, groceries, supplements) into pre-tax dollars.
Someone else covers a shift so the primary caregiver can rest, exercise, sleep, or just leave the house. Most under-used and most needed.
The most under-rated service in the network. The mechanism that prevents extraction. Free with a member share.
Bartering doesn't mean nobody pays. It means the value of the work stays with the people doing it. Here's the same hour of care, two different ways. The math is straightforward.
Across one year of 10-hour weeks, that 45% extraction is $7,488 that no longer leaves your family — recaptured, kept circulating, returned to members as the prevention dividend, the member share appreciation, or the year-end patronage credit. The argument for this is here.
Cooperatives that survived 180 years have the same three plumbing parts. The Member share buys you in. The Care Ledger records the value as it's exchanged. The Provident Account holds the reserve. The Prevention Dividend returns the surplus. Each one is named below; each one already exists in the backend.
A one-time $100 contribution that makes you an owner. Refundable on exit. One member, one vote. One share, regardless of what you can pay.
live · the cooperative, accepting members PRIMITIVE 02Every hour given, every dollar paid, every visit logged. Time-credits and dollar-flows recorded in their own lanes. Your hour shows up the same week it was given.
live · 7 entries this week in seed-scale beta PRIMITIVE 03The reserve that grows from avoided costs (readmissions, premature placement, ER visits). At year-end, the surplus that didn't have to be spent comes back to members.
structure live · payout begins Year 2 of operations$100. One time. Refundable on exit. The dashboard you saw populate as you scrolled becomes your real account — connected to the real ledger, the real Provident reserve, your real care circle. You're not buying a service. You're buying a share of the cooperative that runs them.
Start your free care assessment, name your Hearth, and let the cooperative handle the revalidation and pre-tax HSA flow.
The cooperative form is durable. The plumbing is built. The Mutual fully clears at member counts the cooperative is moving toward — not on day one. Being honest about this is part of being wise.
Public long-going-public-policy long-term care benefits — Washington Cares launches July 2026 with a $36,500 lifetime benefit; similar bills are moving in IL, HI, WV. Senate Democrats just called the LTC situation "a five-alarm fire." Public benefits pay for care; the cooperative is what they pay into. The gap, the math, and what we fill →
One economy. Many doors. The cooperative form is the building; each service is a room. You're invited to walk in, look around, and stay if it feels true.