The high cost of health insurance, driven by large, profit-driven HMOs, leaves 500,000 Minnesotans uninsured, 12,000 medically bankrupt, and hundreds whose lives are cut short for lack of adequate coverage (Institute Of Medicine Report, 1999). Minnesota needs an alternative affordable solution. We are, thus, creating Co-op Care, Minnesota’s first large-scale, non-profit, cooperative health insurance pool to serve people. The pool is open to individuals, uninsured, co-ops, small to mid-size businesses, and non-profits.
Our goals are fourfold:
1. To create a large-scale, self-insured cooperative pool without HMO middlemen.
2. Contract directly with our own practitioner networks of hospitals and clinics.
3. Expand affordable coverage for the uninsured and under-insured to access quality care.
4. Promote team-based coordinated care to improve the health of our members and the community
Co-op Care: A Prairie HEALTH Companion proposes to be Minnesota’s first large-scale, non-profit, cooperative health insurance pool for individuals, uninsured, co-ops, small businesses, and non-profits. Unlike profit-driven HMOs, our goal is to serve people based on need, and improve the health of our members and the community.