A little slower on the stairs. More alone than they let on. You're not ready to call it a crisis. But you're not willing to look away either. That instinct is the right one. Here's what to do with it.
Start free family assessmentNo commitment. Five minutes. Tells you what kind of support actually fits.
"She says she's fine. But she called me twice this week because she forgot where she put her keys."
Adult daughter, Denver"He lives alone. My sister and I are three hours away and we can't agree on what to do."
Adult son, Fort Collins"The hospital discharge planner gave us a pamphlet. That was it."
Adult daughter, BoulderWe connect families with co-op.care — a worker-owned home care cooperative in Boulder built for exactly this moment. Physician-supervised. HSA-eligible. Caregivers who stay.
Matched to a W-2 caregiver who knows your family's situation — not a rotating agency stranger. Same person, every visit.
A licensed physician reviews every care plan and signs off. AI assists — a real doctor decides. The care your parent gets is medically supervised.
$59/mo membership. A Letter of Medical Necessity unlocks HSA/FSA payment. At a 30% tax bracket, membership costs around $41/mo after the tax benefit.
Wearable vitals and activity monitoring available as an add-on for members with chronic conditions — billed through your physician as a covered benefit where applicable.
Co-op.care is worker-owned. Caregivers earn $25–28/hr W-2 plus equity per shift. Ownership is why they stay. Industry turnover is 80%. Ours is projected at 15%.
A QR code in any ER pulls your parent's care plan, medications, allergies, and healthcare proxy — readable by any provider, anywhere.
The assessment is free. No commitment until you decide it's right.
Five questions. Tells us what your parent actually needs — not what a brochure assumes. We only suggest care when the assessment shows it makes sense.
A licensed physician reviews the assessment and signs a care plan. AI drafts — the physician decides. You see the doctor's name on everything.
We match your family to a background-checked, insured W-2 caregiver. Not a contractor, not an app — a person who chose this work and owns equity in doing it well.
Covers matching, physician oversight, the emergency care profile, advance directive storage, and HSA/FSA support. Care hours billed separately at $35–45/hr as needed.
The problems with home care aren't bad luck. They're built into the business model.
| The problem | Typical home care | co-op.care |
|---|---|---|
| Caregiver turnover | 80% annual (PHI National 2024) | 15% projected — caregivers own equity |
| Medical oversight | None — care plans are administrative | Licensed physician reviews every plan |
| Cost | $25–30/hr, no HSA path, no LMN | $59/mo + HSA-eligible via LMN |
| Continuity | Different aide every week | Matched caregiver, same person |
| Emergency readiness | Family scrambles to reconstruct history | QR emergency care profile, ER-readable |
| Who benefits | Franchise shareholders | Caregivers + families — cooperative ownership |
Co-op.care is a Colorado Limited Cooperative Association — legally structured so it cannot be acquired by a roll-up without member consent. The stability isn't a brand promise. It's in the bylaws.
The assessment takes five minutes. It tells you what kind of support fits your family's situation — before you commit to anything.
Start free assessment