Health care for people. Not profit.

America’s health insurance landscape presents two fundamentally different approaches: one where profit drives decisions and another where people come first.

For-profit insurers operate with a primary responsibility to generate returns for shareholders. This means that decisions about coverage, rates, and care options are filtered through the lens of maximizing profit margins and stock values. When premiums are collected, a significant portion flows upward to executive bonuses and investor dividends rather than back into member benefits.

Not-for-profit insurance represents a different vision. Born from community needs rather than market opportunities, these organizations often measure success through member well-being and health outcomes. With no shareholders demanding quarterly returns, most dollars get reinvested into expanding coverage, reducing out-of-pocket costs, and adding investments in community health initiatives.