Unlike the PPACA exchanges (or the Federal Employee Health Benefit Program [FEHBP] or Commonwealth Connector in MA), USAA is a buying cooperative that let’s people with similar risk profiles buy insurance targeted to their needs.

As we are talking a group, we are talking group buying power and group discounts, which is something that you don’t have with PPACA.

With health care coverage, you could even go a step further and have people and businesses form Multi-Employer Welfare Arrangements (“MEWAs”) under ERISA to pre-empt state insurance laws and offer targeted plans without being in the “business of insurance.”

The other thing it appears that you may not see is that managed care is as much about the trade-off between volume and discounts as it is underwritting. Catastrophic care insurance is great, but without a factored discount, those Carriers are always going to be billed UCR and, unless you disclaim a lot (usually bankrupting your insured), you are going to pay out WWWAAAAYYYYYY more than you want to.

I have no problem with folks forming their own limited-membership insurance firms (which is how USAA got started, and still who they are) – where groups of like-minded and like-risk individuals can form an insurance company that only serves ‘their own’ (EG, AOPA offering health-insurance to those with current pilot’s licenses & FAA medicals)….

The problem isn’t a bunch of people forming an insurance company – it’s the one-price-for-all-buyers pooled-care system.

Now, if individuals want to form ‘Insurance Unions’ (like ‘Credit Unions’ or ‘Savings Associations’ for banking) as a completely private ventures outside an employer-employee relationship, then the government shouldn’t interfere..

But we need to get rid of the group-pooled plans, because they are an economic aberration created by government – and they are ruining the free-market for health care in the US.

Romney is that nominee.

Therefore, the rules are ‘fall in, or be sent packing’…

You would probably fit in better at www.ar15.com – they have more tolerance for Paulbots (but not for me, after 80k posts, I had to leave – mainly over my lack of tolerance for those with ‘fringe’ viewpoints)…

1) No shilling for 3rd party runs. Ever.
2) Ron Paul boosters are auto-banned.

See ya.

When you advocate the ruination of our chance to rid the country of a socialist menace who is intent in destroying her, we take serious offense…and we won’t stop calling out those who do…service member or otherwise.

BTW, I served 20 years in the Army, also during war and peace. It doesn’t make either of us any smarter than the other posters, so stop hiding behind your badges to win your arguments.

Conservative in the primary,
Republican in the general.

Romney is now the nominee.
Like it or not, he is our nominee.
Not supporting him is what is causing you grief from some of us.

Get behind him and help us to rid our country of Obama,
because we don’t have anyone else to do it.