Health Care Cooperatives?

How does the nation get affordable health insurance for everyone without giving something up or taking something away? One proposal is health care cooperatives, which are likely a not so subtle stab at creating “more” insurance companies.

The example usually given of how a cooperative would work involves a company called Group Health. Group Health is actually an “insurance” company that reinvests its yearly revenues, not redistributes them to members. While it may be run like a cooperative, it is only one in name alone.

Group Health’s fees are lower than other insurance companies because records are computerized and physicians get performance based salaries. Performance based salaries usually means the doctors have to keep the costs down to make the insurance company financially viable. This doesn’t bode well for health care for those who are really ill simply because they would require too much care and thus become “too expensive.”

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