I feel like if people got together on their own and somehow figured how to do universal healthcare without the govt...

The govt would shut that shit down.

Like it's not just "we won't do it" it's "you can't have it"

They don't want healthy able bodied people pissed at them
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They're called consumer-operated and oriented-plan programs, and they struggle because, yes, the government would prefer to kill them off if they could. CO-OP coverage has dwindled from 24 states to just 4 as of 2026 due to a lack of funding.
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