A couple of years ago I approached our local electric coop with the idea of having them extend their internal health insurance program currently used by their employee's to the members. It is a non profit, so costs should be lower. The president of the coop contacted me and said that he thought it was a great idea (if you choose to use their insurance the cost would be added to your power bill) and would just require expansion of their HR department. The offer an HSA/ catastrophic plan. He said that when he asked their attorneys about it they were concerned that the program would not be supported under ACA.