I'm the Treasurer for an international non-profit networking organization, many of whom make their living as self-employed, or would like to be doing so. One of the biggest difficulties is affordable health insurance. Our organization is about 400 members, but there are similar organizations with whom we could partner that might bring that up to 1,000. If we had 75% participation, could we get monthly payments that "real" people can afford? (by this I mean $200-$300 for good coverage with RX, office visits, etc.) Thanks!
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Likely not. The problem is, people in excellent health and under 40 can get private health insurance at about that premium, or slightly less - so the people you're going to get to join are going to have pre-existing conditions and otherwise skew the general health of the group. Plus, you're talking about them adding families, right? You CAN'T insure a family for $300 a month, you just can't. CHEAP family insurane is going to run closer to $600 a month, IF everyone is healthy. Which, I'm assuming, you guys aren't. Lastly, 1000 people isn't a very large pool; AND when you're talking about international coverages, you're talking multiple carriers, with wildly different governmental regulations, and it's REALLY going to be more hassle than it's worth from ANY agent or carrier's point of view. Sorry to be the bearer of bad tidings.
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