The Life Stylist

There's a better way to protect your health than paying for health insurance.

My guest Andy Schoonover, founder of CrowdHealth, quit insurance after his plan refused to pay for his daughter's $8,000 ear procedure and built a parallel system.

Paying cash shocked him. The same stress echo test that cost another man's insurance plan $5,000 cost him $225, and his pediatrician knocked 40 or 50 percent off the bill once insurance left the room.

Andy explains how nearly 20 percent of claims get denied by design, why doctors see only eight cents of every healthcare dollar, and how 35,000 people are funding each other's medical bills through CrowdHealth.

He also shares why he's willing to go to war with the system, even after death threats and regulatory fights.

If you've ever opened an insurance bill and felt your stomach drop, this one is for you.

Visit lukestorey.com/joincrowdhealth and use code LUKESTOREY to join for just $99 per member per month for the first three months.

You'll learn:

[0:00] Introduction
[5:27] A moral obligation to fix a broken system
[9:40] Up to four million would-be entrepreneurs held back by health insurance
[23:54] Routing it through insurance locks you out of cash pricing
[28:48] Andy ghosts a surprise bill he had no moral obligation to pay
[37:16] The cortisol toll of living in medical debt
[47:25] Why identical procedures cost wildly different amounts
[54:25] Live hard and die fast instead of the nursing home
[1:08:07] Members self-select out of broken systems
[1:18:45] The best doctors are going cash-only
[1:25:14] Starving the parasitic industry by taking your money back
[1:31:03] The perceived downside of being responsible for your own bills
[1:39:21] Bitcoiners and CrowdHealth share a similar worldview
[1:48:48] Losing Grace and how it shaped Andy’s mission

Resources Mentioned:

Visceral Fat | Wikipedia

Full show notes at lukestorey.com/crowdhealth

Find more from Andy Schoonover:

CrowdHealth | Website | Instagram | Facebook | X | TikTok | YouTube

Find more from Luke:

Luke Storey | Website | Instagram | Facebook | X | YouTube | LinkedIn

My new book, A Horse Named Lonesome, launches November 17, 2026. Pre-order now at ahorsenamedlonesome.com and get bonuses: access to my Inner Circle Book Club, an exclusive Lonesome Conversations six-part miniseries, and an ebook transcript of the series.

The Life Stylist is Brought To You By:

URBAN ROOTS | Visit lukestorey.com/urbanroots and use code LUKE to save 15% off your first jar or 25% off your first month when you subscribe.

BIOPTIMIZERS | Visit bioptimizers.com/luke and use code LUKE15 to save 15% off sitewide.

ACTIVE SKIN REPAIR | Visit lukestorey.com/skinrepair and use code LUKE for 20% off your order.

QUANTUM UPGRADE | Visit lukestorey.com/quantumupgrade and use code LUKE15 to start your 15-day free trial.

I joined The Grimerica Show for a conversation about what it really means to be free—not just politically or financially, but emotionally and spiritually. We cover my journey from addiction to recovery, the childhood experiences behind A Horse Named Lonesome, and why I've become increasingly unwilling to compromise my integrity for money, status, or approval. We also explore the loneliness of questioning mainstream narratives, the importance of finding your people, and why freedom means very little if we're still prisoners of our own minds.

In this Lonesome Conversation, Kyle and I explore a hunger most of us don’t know we have — the deep deficit of physical touch in Western culture, where contact gets siloed off into family or romance with nothing in between. He explains how we’re biologically wired for touch as co-regulation, how we convince ourselves we’ve “outgrown” the need, and why you can’t feel the lack until something finally fills it. A reframe of loneliness as, in part, a body starved of the care it was designed to receive.
About Kyle
Kyle Coursey is the creator of THE RESET, a one-of-a-kind experience. He works with high-performing and high-functioning individuals, founders, and executives who have done the work but still feel something is off.
His work focuses on identifying and resolving the underlying distortions in the human system, across nervous system, physiology, psychology, and relational patterns, so clients can return to clarity, performance, and internal stability.
Through his immersive RESET sessions, he compresses years of work into a single, focused experience designed to restore coherence and unlock what’s been inaccessible through conventional approaches.
Lonesome Conversations Limited Series
Lonesome Conversations is a special series from The Life Stylist, built around my new book, A Horse Named Lonesome (out November 17, 2026). Loneliness is something almost everyone goes through, and almost nobody talks about honestly. So I sat down with psychologists, philosophers, trauma therapists, teachers, and friends to find the truth about loneliness, and how we heal from it. Each episode is its own conversation, but together they walk the same ground the book maps out. (Pre-order your copy at ahorsenamedlonesome.com) You'll find new episodes alongside our regular show over the coming months.

Thirty minutes after the biggest relief of his life, Dylan Gemelli found out his apartment was being ransacked, with half a kilo of cocaine in the safe.

A leading voice in fitness and biohacking, Dylan has over 1.5 million Instagram followers and a podcast that hit #1 in Health and Fitness in October 2025.

He shares how he got caught, what prison did to his character, and the moment his Mom asked him a question on a collect call that broke him open.

Then the conversation turns to hormones. Anabolic steroids versus TRT, why free testosterone can matter more than total, the sperm count issue many men on testosterone don't see coming, and the oral testosterone option that changes the math.

Visit getkyzatrex.com/dylangemelli to get Kyzatrex oral testosterone replacement therapy.

You'll learn:

[0:00] Introduction
[0:52] Dylan’s apartment ransacked 30 minutes after the biggest relief ever
[9:13] What prison is actually like versus what the movies sell
[21:05] Prison as the biggest investment Dylan ever made
[32:54] Verbal abuse in prison fuels the revolving door
[36:02] Teaching safer steroid use to a million YouTube subscribers
[46:06] COVID in bed and the lightbulb moment that birthed Dylan’s podcast
[49:50] SARMs were built to fight muscle wasting before bodybuilders found them
[54:27] Bringing testosterone to normal levels is not cheating
[1:05:56] My emasculating sperm count and the testosterone connection
[1:17:04] How much credence your blood work actually deserves
[1:23:29] Mind and spirit come before diet and training
[1:36:17] Environmental orthorexia and feeling the world is trying to kill you
[1:42:46] The peptide Wild West and the Ozempic skeleton aesthetic
[1:54:44] Building the biggest wellness conglomerate ever

Resources mentioned:

NASM | Website
STEMREGEN | Website
Boundless Life | Podcast
CAROL Bike | Website
EWOT | Website
Dr. Daniel Amen | Website
Dave Asprey | Website
Kevin Trudeau | Website
Ben Azadi | Website
ZYN | Website

Full show notes at lukestorey.com/gemelli

Related The Life Stylist Episodes:

This Is My Brain On Drugs, Booze, EMF, & Trauma with Dr. Daniel Amen (Luke's SPECT Scan Results) | Podcast

Find more from Dylan:

Dylan Gemelli | Website | Instagram | Facebook | X | TikTok | YouTube

Find more from Luke:

Luke Storey | Website | Instagram | Facebook | X | YouTube | LinkedIn

My new book, A Horse Named Lonesome, launches November 17, 2026. Pre-order now at ahorsenamedlonesome.com and get bonuses: access to my Inner Circle Book Club, an exclusive Lonesome Conversations six-part miniseries, and an ebook transcript of the series.

The Life Stylist is Brought To You By:

BIOPTIMIZERS | Visit bioptimizers.com/luke and use code LUKE15 to save 15% off sitewide.

LEELA QUANTUM | Go to lukestorey.com/leelaq and use code LUKE10 for 10% off your first order.

NUCALM | Visit lukestorey.com/nucalm to start your free seven-day trial and save 15% on your subscription.

ACTIVATION PRODUCTS | Visit activationproducts.com/luke and use code LUKE for 15% off your order.

I join my brother Kyle Kingsbury for a raw conversation about the life experiences behind my new book, A Horse Named Lonesome. We trace my journey from childhood abuse and addiction to recovery and spiritual awakening, exploring how shame, trauma, and the illusion of separation can keep us disconnected from ourselves and others. We also get into forgiveness, ego death, 5-MeO-DMT, and the hard-earned lessons that ultimately inspired me to share this book with the world.