Health Insurance Co-ops: How Congress Could Adopt the Right Design

Consumer-owned cooperative, or mutual, health insurers couldincrease consumer control and choice in health insurance.Member-owned mutual health insurers would return any profits orsurplus to their policyholder-owners in the form of lower premiumsor enhanced coverage benefits. Hundreds of existing philanthropichealth care foundations with billions of dollars in assets couldprovide any start-up funding needed for new cooperative healthinsurers.

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