Was just thinking if we could manage our own health care as a group in which profit was not the main concern then health care could be better and more affordable. Monthly cost should be maybe 10% (Buffer) more than salaries and medical cost accrued for the previous month. basically we pay for what is used. Then at the end of the year what is left over of that 10% if it was not use goes back to the customers. In theory it sounds easy but I could see where it would be hard to manage.