Dr Pepper,
I think you can still have private insurance? Are yo saying that ACA distorts the market to such a degree that it makes insurance impossible? I am not a baki. I believe large companies, like walmart, self-insure – does their method work?
Is it possible to create an association of responsible daveners who also do not smoke and machmir in middos and pool an insurance coverage? maybe, self-insure? As an example, R Avigdor Miller mentions that shabbos saves us from risky saturday driving and other risky behaviors – we should be able to get better rates…
My mesroah says that there are at least 36 potential members in every generation – is this large enough for a pool?