Start a care cooperative

Build a care system your neighborhood owns.

co-op.care isn't a franchise. It's infrastructure. We provide the technology, the physician oversight, and the compliance layer. You bring the community.

Start the conversation

Just caring for one person and want to start simple? Start with one →

The co-op.care stack

What you get

Six layers of infrastructure, deployed for your cooperative from day one.

CareOS Platform

Sage AI, Living Profile, care matching, scheduling. The operating system for your cooperative, configured for your community's needs.

ClinicalSwipe Attestation

Every clinical decision is physician-reviewed. ClinicalSwipe provides the attestation layer that makes your care clinically defensible.

Physician Oversight

Every cooperative operates under the clinical authority of a licensed physician of record. co-op.care helps you establish that oversight during formation — so your care is accountable from day one.

Billing Engine

CMS codes (CCM, RPM, ACP, PCM) with EDI submission. Automated billing that captures the revenue your cooperative earns.

Governance Constitution

The compliance layer. AKS-aware structure, fair-market-value pricing, and cooperative governance built in to protect the cooperative and its members.

ComfortCard + CareGoals

Member-facing tools, ready to deploy. Digital wallet for HSA/FSA payments, advance care planning, and care-goal tracking.

What you bring

What you provide

  • A neighborhood — start with 20 families
  • A home or meeting space
  • 1–3 caregivers (we help recruit)
  • Community relationships — churches, senior centers, hospitals
You know your neighbors. We know the technology.The co-op.care model: community knowledge + clinical infrastructure
The path

The five-step launch

From first call to first family served. Most cooperatives launch within 90 days.

1

Discovery call

30 minutes. We assess your market, your state's cooperative law, and your community. No commitment — we'll tell you honestly if the model fits your neighborhood.

2

Formation

We help you file the cooperative entity — LCA, LLC, or corporation depending on your state. Articles of organization, operating agreement, and governance constitution included.

3

Platform setup

CareOS deployed. ComfortCard activated. Sage AI configured for your community. Billing engine connected. Production infrastructure from day one.

4

Recruit

First caregivers hired as W-2 worker-owners. We provide training on CareOS, Sage AI, care protocols, and CMS documentation. They're employees and owners — not contractors.

5

Launch

First families onboarded. Physician oversight active. Billing begins. Your cooperative is serving your neighbors — and they own it together.

The numbers

The economics of a 50-family cooperative

An illustrative model — your cooperative's numbers will vary. Real revenue streams, worker-owned income.

ComfortCard membership (50 families × $19/mo)$950
CMS revenue (30 eligible × $156/mo blended PCM+CCM)$4,680
LMN revenue (20 LMNs/mo × $199)$3,980
Total revenue$9,610
3 caregivers × $28/hr × 20 hrs/wk × 4.3 wks−$7,224
Platform license−$500
Net income$1,886/mo
At this illustrative scale, a 50-family cooperative models to roughly $46,632/year in net income for its worker-owners — distributed according to your cooperative's governance constitution. You decide how.
Geography

State-by-state readiness

co-op.care can work in every state. Some have more favorable cooperative law than others.

Active

Colorado

LCA law. co-op.care is headquartered here.

Ready

California

Strong cooperative tradition. Large market.

Ready

New York

Established cooperative law.

Possible

Texas

LLC structure. Some adaptation needed.

High demand

Florida

Aging population. Cooperative-friendly.

Don't see your state? We'll research it for you.

Who builds a co-op

People like you

You don't need a medical degree. You need a neighborhood.

The retired nurse

Thirty years of clinical experience. Knows every family on the block.

She spent a career inside the system and saw what it missed. Now she's building what should have existed all along — care that starts at the kitchen table, not the emergency room.

The church organizer

Already coordinates meals, visits, and rides.

His congregation has been doing care work for decades — just without the billing codes or physician oversight. co-op.care gives structure to what the community already does.

The social worker

Sees the gaps in the system every day.

She places seniors into home-care agencies and watches the same problems repeat: turnover, inconsistency, no continuity. A worker-owned model changes the incentive structure entirely.

The daughter who did it first

Built this for her own parent. Now helping her neighbors.

She navigated Medicare, hired caregivers, managed medications, and fought insurance — all while working full time. Now she's making sure her neighbors don't have to do it alone.

Common questions

Frequently asked

How much does the platform cost?

$500/mo technology license. This includes CareOS, ClinicalSwipe attestation, ComfortCard, Sage AI, and the full billing engine. No per-seat fees, no setup costs, no hidden charges. The license covers your entire cooperative.

Do I need a medical license?

No. Your cooperative operates under the clinical authority of a licensed physician of record — co-op.care helps you establish that oversight during formation. You focus on the community.

How is this different from a franchise?

You own it. co-op.care provides the technology infrastructure; your cooperative is independently owned by its worker-members. No royalties. No territory restrictions. No brand fees. You keep what you earn. The $500/mo is a flat technology license — nothing more.

What about insurance?

co-op.care provides Tech E&O coverage. Your cooperative carries general liability. Your physician of record carries malpractice through their professional corporation. We help you set up all three layers during formation — it's part of the launch process.

Can I do this part-time?

Yes. Most organizers start with around 10 families and one caregiver. The platform handles scheduling, billing, and clinical oversight. You focus on community relationships and growth. Scale when you're ready — the infrastructure scales with you.

Start building

Tell us about your community.

We'll review your community profile and reach out within 48 hours to schedule a discovery call.

Thank you.

We'll review your community profile and reach out within 48 hours to schedule your discovery call.