Paul Glover started the Ithaca Health Alliance in 1997 because it was clear that Big Insurance would never permit Congress to enact universal coverage. For $100/YEAR, members of the Ithaca co-op were covered for 12 categories of common emergency, to specified maximum amounts, anywhere in the world. http://www.ithacahealth.org After several years, they built their own free clinic.
Glover's book Health Democracy explains how to start a local health co-op. It describes how access to health care can become affordable, democratic and humane through a national network of regional member-owned free clinics and co-ops. http://www.paulglover.org/hdbook.html
Hat tip to Jai Jai Noire.