Consider USAA and the Vanguard Group: Models for "Co-ops"
While I am sympathetic to the public-optionites, I am more wedded to the goals of reform - as well articulated by President Obama - universal coverage, quality, and cost-control, than I am to any specific mechanism. As a physician, I see the urgent need to meet these goals more than I feel an ideologic compulsion towards a given mechanism.
But you need to pick some mechanisms to meet these ends. While I think the case can be made for public option contributing to these ends, I am unwilling to give up the goals because of an ideologic commitment to a specific mechanism. .
Co-op type options intrigue me. Here is why. My absolute favorite companies/organization that I deal with are USAA, an insurance and financial services company open to military members, and Vanguard - a mutual fund company. Both share two unusual features. They are large private sector corporations that are owned by their patrons - in the case of USAA, owned by the insured and Vanguard, owned by the investors in its individual mutual funds. Both have tip-top quality products unsurpassed customer service and very low costs. I actually look forward to getting on the phone with their employees, unlike almost any other organization I deal with. They could provide models fo r novel health insurance organizations that will compete with the private insurers and perhaps not alienate centrist/righ-of-center types who can't support a new government bureaucracy.
Avoid ideologic traps. Focus on solving the problems.











