Why Not Charity Insurance?

   There are a lot of charities in this world, and I think we need one more: charity insurance.
   Yes, existing charities do help the poor with medical bills, though perhaps not enough. But, is their help all after-the-fact? I am not aware of -- have never heard of -- charities offering discount insurance to the poor.
    And, hospitals currently work with low-income patients, after-the-fact, to reduce their bills. But, there is no insurance in place, upfront, that I know of. The hospitals should be part of this, if we do create charity insurance. They should offer discount services to those on this new insurance.
   Under what I am suggesting, the poor would be allowed to make pay premiums of, oh, say, $30 a month, and be provided with full medical benefits. The government would not make up the difference. In fact, the government making up the difference is what I'm seeking to avoid.
   Charity would make up part of the difference, and the hospitals, themselves would make up the rest. The poor would pay a share, but it would be an affordable share.

http://www.ehow.com/list_6385652_charities-hospital-bills.html