Not about to read the thread, but I'll note that the kind of mutual aid society that provided workers with healthcare in the early 20th century are basically illegal now — they have to comply with the regulatory requirements of insurance companies.
That has good and bad sides. It raises costs and barriers to entry, but it does make it less likely someone is just going to run off with your premiums or that they flat out won't be able to pay for your healthcare. There are a few of them left today, but they're basically nonprofit insurance companies the way credit unions are nonprofit banks.
Not about to read the thread, but I'll note that the kind of mutual aid society that provided workers with healthcare in the early 20th century are basically illegal now — they have to comply with the regulatory requirements of insurance companies.
That has good and bad sides. It raises costs and barriers to entry, but it does make it less likely someone is just going to run off with your premiums or that they flat out won't be able to pay for your healthcare. There are a few of them left today, but they're basically nonprofit insurance companies the way credit unions are nonprofit banks.