My auto insurance company (it operates like a cooperative) provides a group plan for members to purchase health insurance. (Coverage is provided by an external

My auto insurance company (it operates like a cooperative) provides a group plan for members to purchase health insurance. (Coverage is provided by an external company). My auto insurance company also runs a savings bank for its members and offers loans at markedly better rates than retail banks. Consumer cooperatives would seem the simplest way to alleviate this issue--no need for additional legislation. To confirm, I live in the US.