I was wondering there were any examples of alternate models of health insurance that aren’t based on total pooling of collected dues? In the US, our insurance system is provided by a few companies that sell packages, which penalize people who are unemployed or in freelance/ non-traditional modes or employment. Universal healthcare is quite a political spectacle, and not many people are holding their breath up for something to pass soon.
Do people know examples of where health insurance is based on small scale local pooling of monetary resources, which then is accepted by sympathetic health care professionals? Or something similar?
Also if you know of even more creative models I’m all ears.