I will suggest Senator Conrad take a look at this one:
North Dakota Blue Cross Blue Shield
From their website:
"More than 65 years ago, Blue Cross Blue Shield of North Dakota (BCBSND) began as two separate pre-paid health care plans for hospital and physician services. The two companies merged in 1986 and, in 1998, converted to a not-for-profit mutual insurance company."
A Stable Company:
- "Systems and processes essential to assisting health care providers are strengthening the ties between providers and BCBSND
- "BCBSND follows sound underwriting principles
- "Working to maintain adequate reserve levels to ensure funds are available to pay for member claims and administrative expenses"
In addition, the plan is overseen by a community Board of Directors representing doctors, hospitals, businesses, and consumers--all North Dakotans.
Senator Conrad, is this what you had in mind?
Earlier post: Health Care Cooperatives--An Old New Idea--So What's a Blue Cross Plan?