There are also some weird 'cooperatives' that do, more or less, P2P health insurance. They seem to have originally been built for religious community-support p

There are also some weird 'cooperatives' that do, more or less, P2P health insurance. They seem to have originally been built for religious community-support purposes, and then grandfathered into the regulatory framework. Their present appeal is that they're cheaper than real insurance, assuming that you aren't deluged with sob stories to cover unexpected costs, and can discriminate in ways that real insurance can't (I recall that the one I looked at a few years ago would charge more if you were fat, and obviously the reproductive-control services were nonexistent)