Most people want to age at home. Most insurance products are designed around nursing homes and facilities. Age in Place Insurance is built for the other path — staying in your home, your neighborhood, your life.
Care is available now through co-op.care. Insurance enrollment opens 2027, subject to regulatory approval.
Traditional long-term care insurance costs $3,000 to $7,000 per year. It covers facility care primarily. 70% of claims go to nursing homes.
The entire product was designed around institutions. Around beds in buildings. Around the assumption that when you need help, you leave your home.
Nobody built insurance for staying home — until now.
For a 78-year-old in Boulder, Colorado who needs help with bathing, meals, and medication reminders. Same person, same needs, two paths.
You leave the house. Most never come back.
You stay home. Your family stays close.
$70,917 saved per year
That is what Age in Place Insurance is built to unlock — and to keep stable when needs change.
Everything you need to stay home safely. Nothing you don't.
Grab bars, ramps, better lighting, walk-in showers
Through co-op.care — trained, insured, worker-owned
Fall detection, medication reminders, connected scales
Cybercab rides to doctor visits, pharmacy, and lab work
Nutritious meals from community kitchens, not frozen boxes
Relief for family caregivers — because they need rest too
Walk through it one room at a time. Check what's already in place. You'll get a readiness score and a prioritized list of what to fix first — the difference between staying home and a hospital visit.
Room 1 of 5
Getting in and out without a step that becomes a fall.
Private — nothing is saved or sent.
Members build toward coverage through co-op.care membership. Your participation creates the foundation for your plan.
Years of ComfortCard data becomes actuarial proof. Your health journey, documented continuously, shows insurers what they have never been able to see before.
The insurance reflects it. Not a faceless policy from a faceless company. A product built by the same people who already help you stay home.
Care Available Now
co-op.care provides worker-owned companion care today — HSA/FSA eligible, W-2 caregivers who earn equity, physician-supervised. The insurance wraps around what co-op.care already delivers.
Get care through co-op.careBoulder, Colorado. Expanding to additional markets.
Be the first to know when Age in Place Insurance is available.
Regulatory disclaimer: careho.me is a pre-launch insurance product concept under development. No insurance products are currently available for purchase or enrollment. All described benefits are subject to state regulatory approval prior to offering. Insurance products are regulated by state insurance departments and must be approved before sale. Joining this waitlist does not create a contract, coverage, or any insurance obligation. co-op.care Technologies LLC is not a licensed insurance company. Any future insurance product will be underwritten by a licensed insurance carrier. The 2027 launch timeline is an estimate and is contingent on successful regulatory filings and carrier partnerships.