From the list of mutual insurance companies in the Wikipedia article, it seems that mutual insurance is already part of the health insurance mess in the US, e.g. Health Care Service Corporation. What I was referring to were mutual insurance outfits like USAA that get to decide who can join. If I am not mistaken, it used to be that some trade unions—that also play a role in mutual insurance—were segregated and excluded POC from their ranks.
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